Western Union's business has been under significant pressure recently, as a more negative political environment and an accelerating shift to digital transfers have affected both the top and bottom lines. That pressure remained in the third quarter, but we also saw some positives.
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.
A stricter stance on immigration in developed countries could limit immigrant populations and reduce their employment opportunities and money transfer volume.
Metric | WU | PYPL | MA |
|---|---|---|---|
Price/Earnings (Normalized) | 4.71 | 8.84 | 33.13 |
Price/Book Value | 2.41 | 2.54 | 84.38 |
Price/Sales | 0.54 | 1.55 | 15.96 |
Price/Cash Flow | 3.32 | 7.24 | 26.62 |
Metric | WU | PYPL | MA |
|---|---|---|---|
Quick Ratio | 1.04 | 1.23 | 0.65 |
Current Ratio | 1.04 | 1.26 | 1.01 |
Interest Coverage | 3.81 | 11.80 | 26.76 |
Metric | WU | PYPL | MA |
|---|---|---|---|
Return on Assets (Normalized) | 5.61% | 7.46% | 31.71% |
Return on Equity (Normalized) | 49.04% | 30.28% | 251.80% |
Return on Invested Capital (Normalized) | 15.15% | 19.29% | 64.69% |
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United States