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The Western Union Co WU

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Stock XNYS Rating as of
$13.54 −0.05 (0.37%)
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As of Cboe BZX Real-Time Price Open
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Company Report

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Western Union Earnings: Sequential Improvement in Growth

Brett Horn

Narrow-moat Western Union has been working to stabilize its business to improve growth, and showed good progress toward that goal in the first quarter. We think the company still has a ways to go to prove it can maintain this path, and our long-term expectations remain quite modest, given industry trends. However, we are encouraged by results in the quarter. We will maintain our $17 per share fair value estimate and continue to see shares as undervalued.

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Price vs Fair Value

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WU is trading at a 21% discount.
Price
$13.40
Fair Value
$81.00
Uncertainty
Medium
1-Star Price
$47.22
5-Star Price
$94.90
Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

The demographic factor that has historically driven money transfer growth—namely, the differential between population growth in developing and developed countries—remains in place for the foreseeable future.

Bears

A stricter stance on immigration in developed countries could limit immigrant populations and reduce their employment opportunities and money transfer volume.

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News

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Trading Information

Previous Close Price
$13.59
Day Range
$12.98–13.91
52-Week Range
$10.38–14.19
Bid/Ask
$13.53 / $13.54
Market Cap
$4.61 Bil
Volume/Avg
3.9 Mil / 4.3 Mil

Key Statistics

Price/Earnings (Normalized)
7.81
Price/Sales
1.13
Dividend Yield (Trailing)
6.92%
Dividend Yield (Forward)
6.92%
Total Yield
16.73%

Company Profile

Western Union provides domestic and international money transfers through its global network of about 600,000 outside agents. The company handled over 270 million transactions in 2023 and is the largest money transfer company in the world.
Sector
Financial Services
Industry
Credit Services
Stock Style Box
Small Value
Total Number of Employees
9,000
Website
https://www.westernunion.com

Competitors

Valuation

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Metric
WU
PYPL
MA
Price/Earnings (Normalized)
 7.8112.6937.26
Price/Book Value
 11.603.3061.57
Price/Sales
 1.132.4117.22
Price/Cash Flow
 5.5911.6631.03
Price/Earnings
WU
PYPL
MA

Financial Strength

Metric
WU
PYPL
MA
Quick Ratio
 0.931.240.81
Current Ratio
 0.931.291.17
Interest Coverage
 7.7615.2124.72
Quick Ratio
WU
PYPL
MA

Profitability

Metric
WU
PYPL
MA
Return on Assets (Normalized)
 7.36%6.30%29.19%
Return on Equity (Normalized)
 112.70%24.36%191.08%
Return on Invested Capital (Normalized)
 21.93%15.74%56.34%
Return on Assets
WU
PYPL
MA
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