Grufity logoGrufity logo

Western Union Co Stock Research

WU

10.98USD+0.17(+1.57%)Market Closed

Market Summary

USD10.98+0.17
Market Closed
1.57%

WU Alerts

WU Stock Price

WU RSI Chart

WU Valuation

Market Cap

4.1B

Price/Earnings (Trailing)

4.5

Price/Sales (Trailing)

0.92

EV/EBITDA

4.57

Price/Free Cashflow

7.46

WU Price/Sales (Trailing)

WU Profitability

EBT Margin

22.54%

Return on Equity

190.58%

Return on Assets

10.72%

Free Cashflow Yield

13.4%

WU Fundamentals

WU Revenue

Revenue (TTM)

4.5B

Revenue Y/Y

-15.01%

Revenue Q/Q

0.21%

WU Earnings

Earnings (TTM)

910.6M

Earnings Y/Y

47.75%

Earnings Q/Q

43.42%

Price Action

52 Week Range

9.8519.68
(Low)(High)

Last 7 days

2.4%

Last 30 days

-18.5%

Last 90 days

-20.6%

Trailing 12 Months

-39.3%

WU Financial Health

Debt/Equity

5.13

Debt/Cashflow

0.24

WU Investor Care

Dividend Yield

8.56%

Dividend/Share (TTM)

0.94

Buy Backs (1Y)

5.15%

Diluted EPS (TTM)

2.34

Peers (Alternatives to Western Union)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
341.9B
22.2B
-0.46% 3.85%
34.43
15.38
17.76% 14.31%
170.5B
62.4B
0.55% -14.63%
24.19
2.73
16.08% 13.77%
30.7B
14.5B
-24.44% -46.62%
-1.83
2.11
4.69% -4109.59%
25.9B
9.0B
-12.81% -26.38%
232.73
2.89
5.30% -88.45%
11.8B
3.6B
-1.49% -35.35%
22.49
3.26
4.49% -19.64%
MID-CAP
7.3B
2.4B
-10.01% -6.68%
43.92
3.12
27.02% 23.58%
5.1B
1.4B
-9.23% 11.66%
35.77
3.62
25.82% 24.58%
4.5B
4.7B
-10.83% 2.98%
23.69
0.95
6.04% -32.08%
4.1B
4.5B
-18.49% -39.30%
4.5
0.92
-11.74% 13.01%
SMALL-CAP
1.0B
1.3B
-3.60% -1.60%
29.47
0.77
2.06% 190.24%
716.2M
3.9B
-21.15% -32.37%
-3.94
0.19
-6.81% -550.00%
612.9M
182.5M
-9.61% 24.18%
17.56
3.36
18.38% 22.02%
534.0M
330.0M
-3.21% -11.17%
-29.87
1.62
30.19% -260.46%

Financials for Western Union

Income Statement (Last 12 Months)
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Revenue-4.1%4,4764,6684,8655,0175,071
  S&GA Expenses0.7%9649589851,0431,051
Costs and Expenses-0.8%3,5913,6183,7283,8893,948
EBITDA3.2%1,1521,1171,2181,245-
EBITDA Margin7.6%0.26*0.24*0.25*--
Earnings Before Taxes3.7%1,0099731,0711,095935
EBT Margin8.1%0.23*0.21*0.22*--
Interest Expenses0.4%101101101102106
Net Income9.7%911830889917806
Net Income Margin14.4%0.20*0.18*0.18*--
Free Cahsflow-35.3%5508499681,030-
Balance Sheet
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Assets-4.5%8,4968,9018,7878,4898,824
    Cash Equivalents9.3%1,2861,1761,2021,2961,208
  Net PPE-2.1%110112116123129
  Goodwill0%2,0352,0352,0352,0352,035
Liabilities-4.2%8,0198,3738,3398,1368,468
  Long Term Debt0%2,4502,4502,4502,750-
Shareholder's Equity-9.6%478528448353356
  Retained Earnings-4.9%-353-337-412-495-537
  Additional Paid-In Capital1.3%996983973961941
Accumulated Depreciation-19.3%513635649645650
Shares Outstanding-3.2%374386386387394
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Cashflow From Operations-34.0%5828821,0031,0701,045
Cashflow From Investing43.5%526366382464192
Cashflow From Financing7.7%-1,177-1,276-1,538-1,754-1,269
  Dividend Payments-1.1%364368373377382
  Buy Backs2.2%370362430484410

Risks for WU

What is the probability of a big loss on WU?

49.6%


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

39.2%


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

1.1%


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

Returns for WU

Cumulative Returns on WU

0.5%


10-Year Cumulative Returns

-4.1%


7-Year Cumulative Returns

-7.2%


5-Year Cumulative Returns

-13.2%


3-Year Cumulative Returns

What are the long-term rolling returns for WU?

FIve years rolling returns for Western Union.

Annualized Returns

Which funds bought or sold WU recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-03-15
B. Riley Wealth Advisors, Inc.
reduced
-56.76
-320,976
253,024
0.01%
2023-03-10
VICTORY CAPITAL MANAGEMENT INC
added
10.5
999,973
8,869,970
0.01%
2023-03-06
Rockefeller Capital Management L.P.
added
9.54
92,000
880,000
-%
2023-02-28
Voya Investment Management LLC
added
6.64
191,975
2,394,980
-%
2023-02-27
Parallax Volatility Advisers, L.P.
reduced
-49.76
-426,960
449,040
-%
2023-02-24
NATIXIS
added
50.71
2,575,360
7,367,360
0.04%
2023-02-24
National Pension Service
unchanged
-
1.00
69.00
-%
2023-02-22
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
unchanged
-
17,000
825,000
0.01%
2023-02-21
NORTHWESTERN MUTUAL INVESTMENT MANAGEMENT COMPANY, LLC
reduced
-35.85
-259,874
492,126
0.01%
2023-02-21
MACQUARIE GROUP LTD
reduced
-0.01
157,180
8,051,180
0.01%

1–10 of 45

Latest Funds Activity

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

Western Union News

MarketBeat

Elevated Capital Advisors LLC Makes New Investment in The ....

MarketBeat,
15 hours ago

Marketscreener.com

Zacks Investment Research

Seeking Alpha

Zacks Investment Research

Zacks Investment Research

Schedule 13G FIlings of Western Union

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
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
Feb 11, 2021
state street corp
5.45%
22,394,787
SC 13G

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

13.27

20.86%

16.49

50.18%

21.76

98.18%

26.72

143.35%

32.58

196.72%
Current Inflation

12.50

13.84%

15.45

40.71%

20.25

84.43%

24.73

125.23%

29.94

172.68%
Very High Inflation

11.50

4.74%

14.12

28.60%

18.33

66.94%

22.22

102.37%

26.65

142.71%

Historical Western Union Fair Value Estimates


Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price

Recent SEC filings of Western Union

View All Filings
Date Filed Form Type Document
Mar 16, 2023
PRE 14A
PRE 14A
Mar 03, 2023
8-K
Current Report
Mar 01, 2023
8-K
Current Report
Feb 27, 2023
4
Insider Trading
Feb 27, 2023
4
Insider Trading
Feb 27, 2023
4
Insider Trading
Feb 27, 2023
4
Insider Trading
Feb 27, 2023
4
Insider Trading
Feb 27, 2023
4
Insider Trading
Feb 27, 2023
4
Insider Trading

Latest Insider Trading transactions for WU

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
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
2023-02-23
TRUJILLO SOLOMON D
acquired
-
-
6,029
-
2023-02-23
Fitzgerald Gabriella
sold (taxes)
-53,929
13.27
-4,064
president, north america
2023-02-23
Sun Angela
acquired
-
-
12,058
-
2023-02-23
Angelini Giovanni
sold (taxes)
-8,240
13.27
-621
president, europe and africa

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

2022-12-31
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Millions, $ in Millions
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Income Statement [Abstract]   
Revenues$ 4,475.5$ 5,070.8$ 4,835.0
Type of Revenueus-gaap:ServiceMemberus-gaap:ServiceMemberus-gaap:ServiceMember
Expenses:   
Cost of services$ 2,626.4$ 2,896.4$ 2,826.5
Type of Cost of Serviceus-gaap:ServiceMemberus-gaap:ServiceMemberus-gaap:ServiceMember
Selling, general, and administrative$ 964.2$ 1,051.3$ 1,041.2
Total expenses[1]3,590.63,947.73,867.7
Operating income884.91,123.1967.3
Other income/(expense):   
Gain on divestitures of businesses (Note 5)248.3  
Gain on sale of noncontrolling interest in a private company (Note 5) 47.9 
Pension settlement charges (Note 12) (109.8) 
Interest income13.91.43.2
Interest expense(101.0)(105.5)(118.5)
Other income/(expense), net(37.5)(21.7)3.1
Total other income/(expense), net123.7(187.7)(112.2)
Income before income taxes1,008.6935.4855.1
Provision for income taxes98.0129.6110.8
Net income$ 910.6$ 805.8$ 744.3
Earnings per share:   
Basic (USD per share)$ 2.35$ 1.98$ 1.81
Diluted (USD per share)$ 2.34$ 1.97$ 1.79
Weighted-average shares outstanding:   
Basic (shares)387.2406.8412.3
Diluted (shares)388.4408.9415.2
[1]As further described in Note 7, total expenses include amounts incurred with related parties of $48.8 million, $54.7 million, and $54.6 million for the years ended December 31, 2022, 2021, and 2020, respectively.

WU Balance Sheet

2022-12-31
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Millions
Dec. 31, 2022
Dec. 31, 2021
Assets  
Cash and cash equivalents$ 1,285.9$ 1,208.3
Settlement assets3,486.82,843.5
Property and equipment, net of accumulated depreciation of $512.8 and $650.4, respectively109.6129.4
Goodwill2,034.62,034.6
Other intangible assets, net of accumulated amortization of $616.3 and $731.8, respectively457.9417.1
Other assets859.9737.7
Assets held for sale (Note 5)261.61,452.9
Total assets8,496.38,823.5
Liabilities:  
Accounts payable and accrued liabilities464.0450.2
Settlement obligations3,486.82,843.5
Income taxes payable725.3870.7
Deferred tax liability, net158.5203.8
Borrowings[1]2,616.83,008.4
Other liabilities384.6269.4
Liabilities associated with assets held for sale (Note 5)182.5821.9
Total liabilities8,018.58,467.9
Commitments and contingencies (Note 6)
Stockholders' equity  
Preferred stock, $1.00 par value; 10 shares authorized; no shares issued
Common stock, $0.01 par value; 2,000 shares authorized; 373.5 shares and 393.8 shares issued and outstanding as of December 31, 2022 and 2021, respectively3.73.9
Capital surplus995.9941.0
Accumulated deficit(353.9)(537.2)
Accumulated other comprehensive loss(167.9)(52.1)
Total stockholders' equity477.8355.6
Total liabilities and stockholders' equity$ 8,496.3$ 8,823.5
[1]As of December 31, 2022, the Company’s weighted-average effective rate on total borrowings was approximately 3.9%.