WU - Western Union Stock

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

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Net sales

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Latest Insider Trading transactions for WU

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
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

Which funds bought or sold WU recently?

View All Details

Datesorted ascending	Fund Name	Type	% 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	-	-	-	-%

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 Filed	Name of Filer	Percent of Class	No. of Shares	Form 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

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Peers (Alternatives to Western Union)

View All Peers In Detail

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	374.5B	23.6B	-4.75%	39.22%	36.61	15.87	13.06%	5.47%
ACN	194.7B	63.6B	-5.94%	20.34%	27.18	3.06	6.65%	8.08%
FIS	32.1B	14.6B	-4.30%	-28.23%	-1.36	2.2	1.28%	-2886.41%
GPN	30.1B	9.3B	-10.37%	7.27%	37.53	3.25	5.09%	943.73%
AKAM	16.2B	3.7B	1.40%	33.01%	33.9	4.43	2.48%	-21.66%
MID-CAP
WEX	8.0B	2.5B	-6.84%	47.12%	38.55	3.25	17.75%	-7.81%
WU	4.9B	4.4B	5.12%	-2.74%	6.54	1.12	-9.80%	-15.47%
EXLS	4.6B	1.5B	-4.33%	-80.98%	27.12	3.01	22.18%	35.10%
MMS	4.5B	4.8B	-8.12%	28.92%	26.29	0.94	5.74%	-8.06%
SMALL-CAP
MGI	1.1B	1.3B	16.67%	9.03%	30.77	0.8	4.60%	957.58%
CNDT	770.4M	3.8B	11.36%	5.69%	-2.33	0.2	-4.55%	-409.35%
CASS	499.2M	193.7M	-4.62%	5.28%	15.44	2.58	17.44%	3.23%
IIIV	472.6M	359.1M	-15.60%	1.80%	-54.63	1.32	19.78%	52.80%

Western Union News

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)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Last 12 Months)																					(In Millions)
Description	(%) Q/Q	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4	2018Q3	2018Q2
Revenue	0.7%	4,388	4,357	4,476	4,668	4,865	5,017	5,071	5,058	5,030	4,855	4,835	4,871	4,919	5,145	5,292	5,386	5,467	5,538	5,590	5,627	5,644
Costs and Expenses	1.5%	3,558	3,505	3,591	3,618	3,728	3,889	3,948	4,024	4,030	3,888	3,868	3,904	4,040	4,229	4,358	4,408	4,383	4,429	4,468	5,027	5,075
S&GA Expenses	0.8%	911	904	964	958	985	1,043	1,051	1,084	1,088	1,039	1,041	1,080	1,170	1,244	1,272	1,244	1,176	1,169	1,167	1,226	1,245
EBITDA	-100.0%	-	970	1,152	1,117	1,218	1,245	1,091	1,279	1,253	1,196	1,199	1,239	1,148	1,710	1,731	-	-	-	-	-	-
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 Expenses	2.2%	103	101	101	101	101	102	106	108	110	114	119	128	136	145	152	153	155	154	150	149	148
Earnings Before Taxes	-2.4%	808	827	1,009	973	1,071	1,095	935	954	923	856	855	854	755	1,307	1,321	1,359	1,463	973	991	467	440
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%	751	769	911	830	889	917	806	814	810	749	744	703	609	1,062	1,058	1,135	1,209	811	852	-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%	-	491	550	849	968	1,030	1,008	940	841	902	841	801	827	749	867	-	-	-	-	-	-

Balance Sheet
(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4	2018Q3	2018Q2
Assets	3.1%	8,487	8,234	8,496	8,901	8,787	8,489	8,824	8,871	8,978	9,281	9,496	8,827	8,707	8,365	8,759	8,804	9,043	9,432	8,997	8,990	9,116
Cash Equivalents	29.1%	1,586	1,229	1,286	1,176	1,202	1,296	1,208	1,003	1,061	1,503	1,428	1,264	1,194	1,089	1,451	1,398	1,218	880	980	777	950
Net PPE	-6.6%	96.00	103	110	112	116	123	129	132	141	145	150	156	168	174	236	212	224	229	270	267	242
Goodwill	0%	2,035	2,035	2,035	2,035	2,035	2,035	2,035	2,035	2,567	2,567	2,567	2,567	2,567	2,567	2,567	2,567	2,567	2,569	2,725	2,725	2,725
Liabilities	2.3%	7,861	7,681	8,019	8,373	8,339	8,136	8,468	8,502	8,692	9,062	9,310	8,760	8,780	8,515	8,798	8,823	9,013	9,806	9,307	9,405	9,567
Shareholder's Equity	13.3%	627	553	478	528	448	353	356	369	286	219	187	67.00	-	-	-	-	30.00	-	-	-	-
Retained Earnings	29.1%	-210	-296	-353	-337	-412	-495	-537	-436	-498	-548	-543	-625	-760	-828	-675	-659	-569	-938	-838	-916	-939
Additional Paid-In Capital	0.9%	1,014	1,004	996	983	973	961	941	928	920	904	885	875	861	855	841	819	801	771	756	744	732
Accumulated Depreciation	-14.0%	450	523	513	635	649	645	650	644	673	666	660	657	644	639	617	649	699	669	702	686	669
Shares Outstanding	0.0%	375	374	374	386	387	393	394	406	409	412	411	412	412	414	418	423	430	438	441	447	457

Cashflow (Last 12 Months)
(In Millions)

Cashflow (Last 12 Months)																					(In Millions)
Description	(%) Q/Q	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4	2018Q3	2018Q2
Cashflow From Operations	3.8%	539	519	582	882	1,003	1,070	1,045	978	879	941	878	835	860	787	915	968	925	928	821	837	1,065
Cashflow From Investing	423.9%	168	-51.90	526	366	382	464	192	-112	-226	-113	-373	-558	-564	193	167	558	427	-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%	358	361	364	368	373	377	382	381	379	375	370	362	353	346	341	341	341	342	342	338	334
Buy Backs	-9.8%	191	212	370	362	430	484	410	242	166	92.00	240	305	445	606	553	538	499	589	412	377	379

WU Income Statement

2023-06-30

CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Millions, $ in Millions	3 Months Ended		6 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 Revenue	us-gaap:ServiceMember	us-gaap:ServiceMember	us-gaap:ServiceMember	us-gaap:ServiceMember
Expenses:
Cost of services	$ 698.9	$ 653.0	$ 1,328.4	$ 1,308.1
Type of Cost of Service	us-gaap:ServiceMember	us-gaap:ServiceMember	us-gaap:ServiceMember	us-gaap:ServiceMember
Selling, general, and administrative	$ 228.5	$ 221.3	$ 431.2	$ 484.4
Total expenses	927.4	874.3	1,759.6	1,792.5
Operating income	242.6	264.0	447.3	501.5
Other income/(expense):
Gain on divestiture of business (Note 4)				151.4
Interest income	4.2	1.8	7.4	2.4
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 taxes	216.4	236.2	397.4	598.4
Provision for income taxes	40.2	42.2	69.4	111.1
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)	375.0	386.7	374.7	389.9
Diluted (shares)	375.6	387.6	375.6	391.0

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 assets

3,328.1

3,486.8

Property and equipment, net of accumulated depreciation of $449.7 and $512.8, respectively

96.3

109.6

Goodwill

2,034.6

Other intangible assets, net of accumulated amortization of $655.7 and $616.3, respectively

430.3

457.9

Other assets (Note 5)

771.6

859.9

Assets held for sale (Note 4)

240.6

261.6

Total assets

8,487.4

8,496.3

Liabilities:

Accounts payable and accrued liabilities

418.2

464.0

Settlement obligations

3,328.1

3,486.8

Income taxes payable

635.4

725.3

Deferred tax liability, net

153.9

158.5

Borrowings

^[1]

2,813.0

2,616.8

Other liabilities

350.8

384.6

Liabilities associated with assets held for sale (Note 4)

161.5

182.5

Total liabilities

7,860.9

8,018.5

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, respectively

3.7

Capital surplus

1,013.6

995.9

Accumulated deficit

(210.4)

(353.9)

Accumulated other comprehensive loss

(180.4)

(167.9)

Total stockholders' equity

626.5

477.8

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%.

About Western Union

Devin B. McGranahan

www.westernunion.com

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.