Western Union Valuation
Is WU * undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
4/6Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of WU * when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: WU * (MX$222) is trading below our estimate of fair value (MX$615.54)
Significantly Below Fair Value: WU * is trading below fair value by more than 20%.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for WU *?
Key metric: As WU * is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.
| What is WU *'s PE Ratio? | |
|---|---|
| PE Ratio | 5.3x |
| Earnings | US$675.50m |
| Market Cap | US$3.57b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 1.2x |
| Enterprise Value/EBITDA | 5.3x |
| PEG Ratio | -1.1x |
Price to Earnings Ratio vs Peers
How does WU *'s PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 9x | ||
GENTERA * Gentera. de | 7.7x | 15.7% | Mex$41.1b |
GPROFUT * Grupo Profuturo. de | 7.7x | n/a | Mex$27.1b |
BOLSA A Bolsa Mexicana de Valores. de | 11.5x | 3.8% | Mex$18.1b |
INVEX A INVEX Controladora. de | 9x | n/a | Mex$13.4b |
WU * Western Union | 5.3x | -4.7% | Mex$3.6b |
Price-To-Earnings vs Peers: WU * is good value based on its Price-To-Earnings Ratio (5.3x) compared to the peer average (9x).
Price to Earnings Ratio vs Industry
How does WU *'s PE Ratio compare vs other companies in the South American Diversified Financial Industry?
| 2 Companies | Price / Earnings | Estimated Growth | Market Cap |
|---|---|---|---|
| 2 Companies | Estimated Growth | Market Cap | |
|---|---|---|---|
Price-To-Earnings vs Industry: WU * is good value based on its Price-To-Earnings Ratio (5.3x) compared to the South American Diversified Financial industry average (8.6x).
Price to Earnings Ratio vs Fair Ratio
What is WU *'s PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 5.3x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate WU *'s Price-To-Earnings Fair Ratio for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | n/a | Mex$266.87 0% | 15.6% | Mex$370.47 | Mex$205.81 | n/a | 15 |
| Nov ’25 | Mex$222.00 | Mex$257.42 +16.0% | 15.6% | Mex$357.35 | Mex$198.53 | n/a | 15 |
| Oct ’25 | n/a | Mex$250.11 0% | 14.9% | Mex$341.92 | Mex$189.96 | n/a | 15 |
| Sep ’25 | n/a | Mex$250.11 0% | 14.9% | Mex$341.92 | Mex$189.96 | n/a | 15 |
| Aug ’25 | Mex$235.61 | Mex$249.76 +6.0% | 14.4% | Mex$335.34 | Mex$186.30 | n/a | 16 |
| Jul ’25 | n/a | Mex$234.69 0% | 14.6% | Mex$308.64 | Mex$171.47 | n/a | 16 |
| Jun ’25 | n/a | Mex$234.69 0% | 14.6% | Mex$308.64 | Mex$171.47 | n/a | 16 |
| May ’25 | n/a | Mex$234.69 0% | 14.6% | Mex$308.64 | Mex$171.47 | n/a | 16 |
| Apr ’25 | n/a | Mex$221.77 0% | 15.5% | Mex$299.86 | Mex$166.59 | n/a | 16 |
| Mar ’25 | n/a | Mex$226.13 0% | 15.1% | Mex$307.53 | Mex$170.85 | n/a | 17 |
| Feb ’25 | n/a | Mex$225.32 0% | 15.9% | Mex$309.18 | Mex$171.77 | n/a | 17 |
| Jan ’25 | n/a | Mex$233.09 0% | 16.0% | Mex$314.42 | Mex$174.68 | n/a | 16 |
| Dec ’24 | n/a | Mex$243.23 0% | 16.2% | Mex$325.92 | Mex$181.07 | n/a | 15 |
| Nov ’24 | n/a | Mex$243.23 0% | 16.2% | Mex$325.92 | Mex$181.07 | Mex$222.00 | 15 |
| Oct ’24 | n/a | Mex$228.66 0% | 16.6% | Mex$307.32 | Mex$170.73 | n/a | 14 |
| Sep ’24 | n/a | Mex$222.07 0% | 15.7% | Mex$300.27 | Mex$166.81 | n/a | 16 |
| Aug ’24 | Mex$213.00 | Mex$222.07 +4.3% | 15.7% | Mex$300.27 | Mex$166.81 | Mex$235.61 | 16 |
| Jul ’24 | Mex$194.50 | Mex$215.24 +10.7% | 18.8% | Mex$309.18 | Mex$171.76 | n/a | 16 |
| Jun ’24 | Mex$204.70 | Mex$223.35 +9.1% | 19.8% | Mex$320.03 | Mex$177.79 | n/a | 16 |
| May ’24 | n/a | Mex$241.95 0% | 19.3% | Mex$324.10 | Mex$180.05 | n/a | 16 |
| Apr ’24 | Mex$199.50 | Mex$248.60 +24.6% | 17.4% | Mex$324.40 | Mex$180.22 | n/a | 17 |
| Mar ’24 | n/a | Mex$272.31 0% | 20.3% | Mex$444.75 | Mex$185.31 | n/a | 18 |
| Feb ’24 | n/a | Mex$267.45 0% | 15.4% | Mex$344.59 | Mex$191.44 | n/a | 17 |
| Jan ’24 | n/a | Mex$276.10 0% | 14.9% | Mex$353.50 | Mex$196.39 | n/a | 17 |
| Dec ’23 | n/a | Mex$282.79 0% | 20.9% | Mex$464.51 | Mex$193.55 | n/a | 18 |
| Nov ’23 | Mex$272.00 | Mex$280.14 +3.0% | 14.2% | Mex$354.96 | Mex$197.20 | n/a | 17 |
Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.
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