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Western Union Co Stock Research

WU

12.96USD-0.17(-1.29%)Market Closed
Watchlist

Market Summary

USD12.96-0.17
Market Closed
-1.29%

WU Stock Price

WU RSI Chart

WU Valuation

Market Cap

4.9B

Price/Earnings (Trailing)

6.54

Price/Sales (Trailing)

1.12

EV/EBITDA

3.5

Price/Free Cashflow

9.62

WU Price/Sales (Trailing)

WU Profitability

EBT Margin

18.99%

Return on Equity

139.13%

Return on Assets

9.34%

Free Cashflow Yield

10.39%

WU Fundamentals

WU Revenue

Revenue (TTM)

4.4B

Revenue Y/Y

2.78%

Revenue Q/Q

12.84%

WU Earnings

Earnings (TTM)

751.3M

Earnings Y/Y

-9.18%

Earnings Q/Q

16.07%

Price Action

52 Week Range

9.8514.84
(Low)(High)

Last 7 days

-0.2%

Last 30 days

5.1%

Last 90 days

12.0%

Trailing 12 Months

-2.7%

WU Financial Health

Debt/Equity

5.13

Debt/Cashflow

0.24

WU Investor Care

Dividend Yield

7.16%

Dividend/Share (TTM)

0.94

Buy Backs (1Y)

3.15%

Diluted EPS (TTM)

1.96

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales

Latest Insider Trading transactions for WU

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2023-09-21
Deering Suzette
acquired
-
-
3,459
-
2023-08-05
Cagwin Matthew
sold (taxes)
-69,908
11.94
-5,855
chief financial officer
2023-06-01
Adams Benjamin Carlton
sold (taxes)
-92,781
11.54
-8,040
clo & interim chro
2023-04-18
Walker Andrew D
sold (taxes)
-22,356
11.04
-2,025
chief operations officer
2023-02-24
McGranahan Devin
sold (taxes)
-165,732
13.09
-12,661
ceo & president
2023-02-23
Hinsey Mark
sold (taxes)
-8,214
13.27
-619
chief accounting officer
2023-02-23
Phillips Joyce Ann
acquired
-
-
12,058
-
2023-02-23
JOERRES JEFFREY A
acquired
-
-
36,549
-
2023-02-23
HOLDEN BETSY D
acquired
-
-
12,058
-
2023-02-23
McGranahan Devin
acquired
-
-
143,181
ceo & president

1–10 of 50

Which funds bought or sold WU recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-09-20
BARCLAYS PLC
added
67.33
14,113,000
32,673,000
0.02%
2023-09-12
Farther Finance Advisors, LLC
added
3.52
564
6,897
-%
2023-09-08
TUCKER ASSET MANAGEMENT LLC
unchanged
-
21.00
434
-%
2023-08-24
Alberta Investment Management Corp
reduced
-58.22
-3,090,090
2,422,950
0.02%
2023-08-23
WOLVERINE TRADING, LLC
sold off
-100
-135,000
-
-%
2023-08-23
Stonebridge Capital Advisors LLC
unchanged
-
580
11,730
-%
2023-08-22
Asset Dedication, LLC
unchanged
-
-
3,000
-%
2023-08-22
Old North State Trust, LLC
sold off
-100
-8,000
-
-%
2023-08-22
VIRGINIA RETIREMENT SYSTEMS ET AL
added
60.62
992,106
2,430,460
0.02%
2023-08-22
COMERICA BANK
new
-
-
-
-%

1–10 of 47

Latest Funds Activity

Are funds buying WU calls or puts?
Calls
Puts
No. of funds holding Calls - Puts
Net Call Options
No. of funds that own WU
No. of Funds

Schedule 13G FIlings of Western Union

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Apr 06, 2023
blackrock inc.
11.1%
41,404,413
SC 13G/A
Feb 13, 2023
capital research global investors
4.9%
19,108,481
SC 13G/A
Feb 09, 2023
vanguard group inc
12.26%
47,330,106
SC 13G/A
Jan 24, 2023
blackrock inc.
16.7%
64,651,878
SC 13G/A
Feb 11, 2022
capital research global investors
5.5%
22,206,325
SC 13G/A
Feb 10, 2022
state street corp
3.80%
15,281,508
SC 13G/A
Jan 27, 2022
blackrock inc.
15.1%
60,702,355
SC 13G/A
Jan 26, 2022
blackrock inc.
15.1%
60,702,355
SC 13G/A
Feb 16, 2021
capital research global investors
8.0%
32,979,147
SC 13G/A
Feb 12, 2021
independent franchise partners llp
4.83%
19,851,476
SC 13G/A

Recent SEC filings of Western Union

View All Filings
Date Filed Form Type Document
Sep 25, 2023
4
Insider Trading
Sep 25, 2023
3
Insider Trading
Sep 21, 2023
8-K
Current Report
Aug 07, 2023
4
Insider Trading
Jul 26, 2023
8-K
Current Report
Jul 26, 2023
10-Q
Quarterly Report

WU Fair Value

Loading...

Peers (Alternatives to Western Union)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
374.5B
23.6B
-4.75% 39.22%
36.61
15.87
13.06% 5.47%
194.7B
63.6B
-5.94% 20.34%
27.18
3.06
6.65% 8.08%
32.1B
14.6B
-4.30% -28.23%
-1.36
2.2
1.28% -2886.41%
30.1B
9.3B
-10.37% 7.27%
37.53
3.25
5.09% 943.73%
16.2B
3.7B
1.40% 33.01%
33.9
4.43
2.48% -21.66%
MID-CAP
8.0B
2.5B
-6.84% 47.12%
38.55
3.25
17.75% -7.81%
4.9B
4.4B
5.12% -2.74%
6.54
1.12
-9.80% -15.47%
4.6B
1.5B
-4.33% -80.98%
27.12
3.01
22.18% 35.10%
4.5B
4.8B
-8.12% 28.92%
26.29
0.94
5.74% -8.06%
SMALL-CAP
1.1B
1.3B
16.67% 9.03%
30.77
0.8
4.60% 957.58%
770.4M
3.8B
11.36% 5.69%
-2.33
0.2
-4.55% -409.35%
499.2M
193.7M
-4.62% 5.28%
15.44
2.58
17.44% 3.23%
472.6M
359.1M
-15.60% 1.80%
-54.63
1.32
19.78% 52.80%

Western Union News

MarketWatch
Western Union Co. stock outperforms market despite losses on the day.
MarketWatch,
82 minutes ago
Investor's Business Daily
Clayton County Register

Returns for WU

Cumulative Returns on WU

-0.3%


10-Year Cumulative Returns

-3.1%


7-Year Cumulative Returns

-4.2%


5-Year Cumulative Returns

-12.7%


3-Year Cumulative Returns

Risks for WU

What is the probability of a big loss on WU?

60.4%


Probability that Western Union stock will be more than 20% underwater in next one year

46.9%


Probability that Western Union stock will be more than 30% underwater in next one year.

2.3%


Probability that Western Union stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does WU drawdown profile look like?

Y-axis is the maximum loss one would have experienced if Western Union was unfortunately bought at previous high price.

Drawdowns

Financials for Western Union

Income Statement (Last 12 Months)
(In Millions)
Income Statement (Last 12 Months)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q32018Q2
Revenue0.7%4,3884,3574,4764,6684,8655,0175,0715,0585,0304,8554,8354,8714,9195,1455,2925,3865,4675,5385,5905,6275,644
Costs and Expenses1.5%3,5583,5053,5913,6183,7283,8893,9484,0244,0303,8883,8683,9044,0404,2294,3584,4084,3834,4294,4685,0275,075
  S&GA Expenses0.8%9119049649589851,0431,0511,0841,0881,0391,0411,0801,1701,2441,2721,2441,1761,1691,1671,2261,245
EBITDA-100.0%-9701,1521,1171,2181,2451,0911,2791,2531,1961,1991,2391,1481,7101,731------
EBITDA Margin-100.0%-0.22*0.26*0.24*0.25*0.25*0.22*0.25*0.25*0.25*0.25*0.25*0.23*0.33*-------
Interest Expenses2.2%103101101101101102106108110114119128136145152153155154150149148
Earnings Before Taxes-2.4%8088271,0099731,0711,0959359549238568558547551,3071,3211,3591,463973991467440
EBT Margin-100.0%-0.19*0.23*0.21*0.22*0.22*0.18*0.19*0.18*0.18*0.18*0.18*0.15*0.25*-------
Net Income-2.3%7517699118308899178068148107497447036091,0621,0581,1351,209811852-481-454
Net Income Margin-100.0%-0.18*0.20*0.18*0.18*0.18*0.16*0.16*0.16*0.15*0.15*0.14*0.12*0.21*-------
Free Cashflow-100.0%-4915508499681,0301,008940841902841801827749867------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q32018Q2
Assets3.1%8,4878,2348,4968,9018,7878,4898,8248,8718,9789,2819,4968,8278,7078,3658,7598,8049,0439,4328,9978,9909,116
    Cash Equivalents29.1%1,5861,2291,2861,1761,2021,2961,2081,0031,0611,5031,4281,2641,1941,0891,4511,3981,218880980777950
  Net PPE-6.6%96.00103110112116123129132141145150156168174236212224229270267242
  Goodwill0%2,0352,0352,0352,0352,0352,0352,0352,0352,5672,5672,5672,5672,5672,5672,5672,5672,5672,5692,7252,7252,725
Liabilities2.3%7,8617,6818,0198,3738,3398,1368,4688,5028,6929,0629,3108,7608,7808,5158,7988,8239,0139,8069,3079,4059,567
Shareholder's Equity13.3%62755347852844835335636928621918767.00----30.00----
  Retained Earnings29.1%-210-296-353-337-412-495-537-436-498-548-543-625-760-828-675-659-569-938-838-916-939
  Additional Paid-In Capital0.9%1,0141,004996983973961941928920904885875861855841819801771756744732
Accumulated Depreciation-14.0%450523513635649645650644673666660657644639617649699669702686669
Shares Outstanding0.0%375374374386387393394406409412411412412414418423430438441447457
Cashflow (Last 12 Months)
(In Millions)
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q32018Q2
Cashflow From Operations3.8%5395195828821,0031,0701,0459788799418788358607879159689259288218371,065
Cashflow From Investing423.9%168-51.90526366382464192-112-226-113-373-558-564193167558427-312-328-148-182
Cashflow From Financing-90.8%-998-523-1,177-1,276-1,538-1,754-1,269-359-138-4.20-185-1,290-1,199-1,651-1,484-904-1,084-689-357-947-991
  Dividend Payments-0.7%358361364368373377382381379375370362353346341341341342342338334
  Buy Backs-9.8%19121237036243048441024216692.00240305445606553538499589412377379

WU Income Statement

2023-06-30
CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Millions, $ in Millions
3 Months Ended6 Months Ended
Jun. 30, 2023
Jun. 30, 2022
Jun. 30, 2023
Jun. 30, 2022
Income Statement [Abstract]    
Revenues$ 1,170.0$ 1,138.3$ 2,206.9$ 2,294.0
Type of Revenueus-gaap:ServiceMemberus-gaap:ServiceMemberus-gaap:ServiceMemberus-gaap:ServiceMember
Expenses:    
Cost of services$ 698.9$ 653.0$ 1,328.4$ 1,308.1
Type of Cost of Serviceus-gaap:ServiceMemberus-gaap:ServiceMemberus-gaap:ServiceMemberus-gaap:ServiceMember
Selling, general, and administrative$ 228.5$ 221.3$ 431.2$ 484.4
Total expenses927.4874.31,759.61,792.5
Operating income242.6264.0447.3501.5
Other income/(expense):    
Gain on divestiture of business (Note 4)   151.4
Interest income4.21.87.42.4
Interest expense(27.0)(24.8)(52.0)(49.6)
Other expense, net(3.4)(4.8)(5.3)(7.3)
Total other income/(expense), net(26.2)(27.8)(49.9)96.9
Income before income taxes216.4236.2397.4598.4
Provision for income taxes40.242.269.4111.1
Net income$ 176.2$ 194.0$ 328.0$ 487.3
Earnings per share:    
Basic (USD per share)$ 0.47$ 0.5$ 0.88$ 1.25
Diluted (USD per share)$ 0.47$ 0.5$ 0.87$ 1.25
Weighted-average shares outstanding:    
Basic (shares)375.0386.7374.7389.9
Diluted (shares)375.6387.6375.6391.0

WU Balance Sheet

2023-06-30
CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Millions
Jun. 30, 2023
Dec. 31, 2022
Assets  
Cash and cash equivalents$ 1,585.9$ 1,285.9
Settlement assets3,328.13,486.8
Property and equipment, net of accumulated depreciation of $449.7 and $512.8, respectively96.3109.6
Goodwill2,034.62,034.6
Other intangible assets, net of accumulated amortization of $655.7 and $616.3, respectively430.3457.9
Other assets (Note 5)771.6859.9
Assets held for sale (Note 4)240.6261.6
Total assets8,487.48,496.3
Liabilities:  
Accounts payable and accrued liabilities418.2464.0
Settlement obligations3,328.13,486.8
Income taxes payable635.4725.3
Deferred tax liability, net153.9158.5
Borrowings[1]2,813.02,616.8
Other liabilities350.8384.6
Liabilities associated with assets held for sale (Note 4)161.5182.5
Total liabilities7,860.98,018.5
Commitments and contingencies (Note 6)
Stockholders' equity  
Preferred stock, $1.00 par value; 10 shares authorized; no shares issued
Common stock, $0.01 par value; 2,000 shares authorized; 374.5 shares and 373.5 shares issued and outstanding as of June 30, 2023 and December 31, 2022, respectively3.73.7
Capital surplus1,013.6995.9
Accumulated deficit(210.4)(353.9)
Accumulated other comprehensive loss(180.4)(167.9)
Total stockholders' equity626.5477.8
Total liabilities and stockholders' equity$ 8,487.4$ 8,496.3
[1]As of June 30, 2023, the Company’s weighted-average effective rate on total borrowings was approximately 4.1%.
Devin B. McGranahan
10500
The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents and sub-agents; and offers international cross-border transfers and intra-country transfers, as well as money transfer transactions through websites and mobile devices. The Business Solutions segment provides payment and foreign exchange solutions, primarily cross-border and cross-currency transactions for small and medium size enterprises, other organizations, and individuals; and foreign currency forward and option contracts. It also offers bill payment services that facilitates payments from consumers to businesses and other organizations, as well as offers money order and other services. The company was founded in 1851 and is headquartered in Denver, Colorado.