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WU

14.44USD-0.03(-0.21%)Market Closed

Western Union Co

Market Summary

USD14.44-0.03Market Closed
-0.21%

WU Alerts

WU Stock Price

RSI Chart

Valuation

Market Cap

5.4B

Price/Earnings

6.04

Price/Sales

1.1

Price/Cashflow

5.35

MarketCap/EBT

5.01

Price/Sales

Profitability

EBT Margin

22.01%

Return on Equity

198.26%

Return on Assets

10.11%

Fundamentals

Revenue

Revenue (TTM)

4.9B

Earnings

Earnings (TTM)

888.8M

Price Action

52 Week Range

19.84
(Low)(High)

Last 7 days

2.1%

Last 30 days

6.2%

Last 90 days

-0.6%

Trailing 12 Months

-7.1%

Financial Health

Debt/Equity

5.47

Debt/Cashflow

0.41

Investor Care

Dividend Yield

6.76%

Dividend/Share (TTM)

0.94

Peers (Alternatives to Western Union)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
319.9B
21.6B
8.29% 18.30%
32.98
14.79
21.63% 34.86%
182.1B
59.6B
7.59% -14.77%
27.47
3.06
24.28% 14.71%
51.6B
14.4B
-11.87% -27.54%
61.01
3.59
8.92% 819.57%
34.7B
8.8B
-8.92% -11.64%
451.51
3.93
10.76% -91.10%
14.2B
3.6B
8.06% -12.72%
24.53
3.97
7.14% -1.03%
MID-CAP
7.2B
2.2B
3.35% 38.49%
55.43
3.22
27.25% 192.65%
5.8B
1.3B
0.62% 43.72%
41.75
4.37
23.90% 17.48%
5.4B
4.9B
6.16% -7.13%
6.04
1.1
-3.28% 9.73%
3.8B
4.6B
19.53% -0.77%
20.19
0.83
11.98% -38.33%
SMALL-CAP
1.0B
1.3B
3.31% 82.30%
-317.66
0.79
-0.35% 61.45%
884.8M
4.0B
4.00% -17.46%
8.27
0.22
-4.07% 729.41%
638.8M
-
0.20% 65.58%
14.95
1.23
- -
590.8M
164.9M
2.59% 8.05%
18.86
3.58
11.14% 19.16%
505.3M
299.8M
21.48% 45.56%
-35.81
1.69
55.54% -205.04%

Financials for Western Union

Income Statement (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Revenue-4.0%4,6684,8655,0175,0715,058
  S&GA Expenses-2.8%9589851,0431,0511,084
Earnings Before Taxes-9.1%9731,0711,095935954
Net Income-6.6%830889917806814
Balance Sheet
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Assets1.3%8,9018,7878,4898,8248,871
    Cash Equivalents-2.1%1,1761,2021,2961,2081,003
  Net PPE-3.1%112116123129132
  Goodwill0%2,0352,0352,0352,0352,035
Liabilities0.4%8,3738,3398,1368,4688,502
  Long Term Debt0%2,4502,4502,4502,7502,750
Shareholder's Equity17.8%528448353356369
  Retained Earnings18.1%-337.40-412.10-495.40-537.20-436.60
  Additional Paid-In Capital1.0%983973961941928
Accumulated Depreciation-2.1%635649645650644
Shares Outstanding-0.1%386386387394404
* denotes actual numbers (not divided by Millions)
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Cashflow From Operations-12.1%8821,0031,0701,045978
  Share Based Compensation2.7%4645444441
Cashflow From Investing133.6%892382829192-637.70
Cashflow From Financing8.1%-1,414.30-1,538.40-2,051.80-1,269.50-221.60
  Dividend Payments-1.2%368373377382381
  Buy Backs-15.9%357425479410237

Risks

What is the probability of a big loss on WU?

43.5%


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

33.1%


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

0%


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.

Returns

Cumulative Returns on WU

5.1%


10-Year Cumulative Returns

0.1%


7-Year Cumulative Returns

-2.2%


5-Year Cumulative Returns

-15.4%


3-Year Cumulative Returns

What are the long-term rolling returns for WU?

FIve years rolling returns for Western Union.

Which funds bought or sold WU recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2022-11-23
Toroso Investments, LLC
ADDED
27.24
20,000
471,000
0.02%
2022-11-22
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
NEW
-
808,000
808,000
0.01%
2022-11-22
B. Riley Wealth Advisors, Inc.
REDUCED
-2.56
-145,000
574,000
0.02%
2022-11-21
Parallax Volatility Advisers, L.P.
ADDED
28.33
43,000
876,000
-%
2022-11-21
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM
-
-
-2,207,000
8,977,000
0.01%
2022-11-18
National Pension Service
UNCHANGED
-
-
-
-%
2022-11-18
RIVER & MERCANTILE ASSET MANAGEMENT LLP
ADDED
1.57
-685,000
3,404,000
0.65%
2022-11-18
Industrial Alliance Investment Management Inc.
NEW
-
17,000
17,000
-%
2022-11-17
M&T Bank Corp
-
-
-15,000
368,000
-%
2022-11-17
CENTRAL TRUST Co
REDUCED
-5.41
-51,000
176,000
0.01%

1–10 of 44

Latest Funds Activity

Are funds buying WU calls or puts?
Are funds bullish or bearish(Calls - Puts)?
No. of funds that own WU

Western Union News

MarketWatch

Western Union Co. stock falls Friday, underperforms market.52 minutes ago

Business 2 Community TR

WU Fair Value

Western Union fair value in different scenarios

The table shows the Fair Value estimates for Western Union for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
Fair ValueVery PessimisticPessimisticBase CaseOptimisticVery Optimistic
Very Low Inflation

16.02

10.94%

24.62

70.50%

27.71

91.90%

40.42

179.92%

51.24

254.85%

Current Inflation

15.00

3.88%

22.16

53.46%

24.64

70.64%

35.38

145.01%

44.32

206.93%

Very High Inflation

13.69

-5.19%

19.18

32.83%

20.99

45.36%

29.52

104.43%

36.39

152.01%

Historical Western Union Fair Value Estimates


Recent SEC filings of Western Union

View All Filings
Date Filed Form Type Document
Nov 09, 2022
4
Insider Trading
Nov 01, 2022
10-Q
Quarterly Report
Nov 01, 2022
8-K
Current Report
Oct 20, 2022
8-K
Current Report
Oct 19, 2022
8-K
Current Report
Oct 11, 2022
4
Insider Trading
Oct 11, 2022
4
Insider Trading
Oct 07, 2022
3
Insider Trading
Sep 26, 2022
S-3ASR
S-3ASR
Sep 14, 2022
4
Insider Trading

Latest Insider Trading transactions for WU

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2022-11-07
JOERRES JEFFREY A
BOUGHT
99,462.8
12.8422
7,745
-
2022-10-07
Angelini Giovanni
SOLD FOR TAXES
-24,124.8
13.47
-1,791
Head of Europe and Africa
2022-10-07
Axelrod Cherie
SOLD FOR TAXES
-22,468
13.47
-1,668
Chief Enterprise Risk Officer
2022-09-13
Fitzgerald Gabriella
SOLD (Taxes)
-131,232
14.78
-8,879
President Americas Region
2022-08-01
McGranahan Devin
SOLD (Taxes)
-1,375,130
17
-80,890
CEO & President
2022-06-01
Adams Benjamin Carlton
ACQUIRED
-
-
83,893
Chief Legal Officer & Corp Sec
2022-05-05
Cebollero David
SOLD
-10,213.8
17.4
-587
Interim Chief Legal Officer
2022-04-18
Walker Andrew D
ACQUIRED
-
-
21,120
Chief Operations Officer
2022-02-28
Summerill Andrew
SOLD (Taxes)
-49,049.6
18.18
-2,698
President, Payments
2022-02-24
TRUJILLO SOLOMON D
ACQUIRED
-
-
4,297
-

1–10 of 50

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.

WU Income Statement

2022-09-30
CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Millions, $ in Millions
3 Months Ended9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Income Statement [Abstract]    
Revenues$ 1,089.6$ 1,286.3$ 3,383.6$ 3,786.0
Type of Revenueus-gaap:ServiceMemberus-gaap:ServiceMemberus-gaap:ServiceMemberus-gaap:ServiceMember
Expenses:    
Cost of services$ 637.3$ 720.1$ 1,945.4$ 2,181.1
Type of Cost of Serviceus-gaap:ServiceMemberus-gaap:ServiceMemberus-gaap:ServiceMemberus-gaap:ServiceMember
Selling, general, and administrative$ 220.5$ 247.6$ 704.9$ 798.6
Total expenses857.8967.72,650.32,979.7
Operating income231.8318.6733.3806.3
Other income/(expense):    
Gain on divestitures of businesses (Note 4)  151.4 
Interest income4.90.47.31.1
Interest expense(25.2)(25.7)(74.8)(79.7)
Other income/(expense), net(17.8)(1.8)(25.1)26.8
Total other income/(expense), net(38.1)(27.1)58.8(51.8)
Income before income taxes193.7291.5792.1754.5
Provision for income taxes19.858.8130.9117.5
Net income$ 173.9$ 232.7$ 661.2$ 637.0
Earnings per share:    
Basic (USD per share)$ 0.45$ 0.57$ 1.70$ 1.56
Diluted (USD per share)$ 0.45$ 0.57$ 1.70$ 1.55
Weighted-average shares outstanding:    
Basic (shares)386.5406.3388.8409.1
Diluted (shares)387.6408.0389.9411.3

WU Balance Sheet

2022-09-30
CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Millions
Sep. 30, 2022
Dec. 31, 2021
Assets  
Cash and cash equivalents$ 1,176.1$ 1,208.3
Settlement assets3,095.72,843.5
Property and equipment, net of accumulated depreciation of $635.4 and $650.4, respectively112.0129.4
Goodwill2,034.62,034.6
Other intangible assets, net of accumulated amortization of $730.4 and $731.8, respectively466.2417.1
Other assets (Note 5)1,201.8737.7
Assets held for sale (Note 4)814.91,452.9
Total assets8,901.38,823.5
Liabilities:  
Accounts payable and accrued liabilities435.7450.2
Settlement obligations3,095.72,843.5
Income taxes payable849.8870.7
Deferred tax liability, net161.6203.8
Borrowings[1]2,611.03,008.4
Other liabilities (Note 4)668.7269.4
Liabilities associated with assets held for sale (Note 4)550.5821.9
Total liabilities8,373.08,467.9
Commitments and contingencies (Note 6)
Stockholders' equity  
Preferred stock, $1.00 par value; 10 shares authorized; no shares issued
Common stock, $0.01 par value; 2,000 shares authorized; 385.9 shares and 393.8 shares issued and outstanding as of September 30, 2022 and December 31, 2021, respectively3.93.9
Capital surplus983.0941.0
Accumulated deficit(337.4)(537.2)
Accumulated other comprehensive loss(121.2)(52.1)
Total stockholders' equity528.3355.6
Total liabilities and stockholders' equity$ 8,901.3$ 8,823.5
[1]As of September 30, 2022, the Company’s weighted-average effective rate on total borrowings was approximately 3.8%.