(WU) Western Union - Ratings and Ratios
Money Transfer, Bill Payment, Prepaid Cards, Money Orders
WU EPS (Earnings per Share)
WU Revenue
Description: WU Western Union
Western Union Co (NYSE:WU) is a global leader in money movement and payment services, operating through two main segments: Consumer Money Transfer and Consumer Services. The company facilitates international cross-border and intra-country money transfers through a vast network of retail agents, owned locations, and digital channels. Additionally, it offers a range of services including bill payment, money orders, retail foreign exchange, prepaid cards, and digital wallets.
From a business perspective, Western Unions strength lies in its extensive network and brand recognition, allowing it to maintain a competitive edge in the transaction and payment processing services industry. Key Performance Indicators (KPIs) to watch include revenue growth, transaction volume, and cross-border transfer margins. The companys ability to adapt to changing consumer behavior and technological advancements, such as digital wallets and online transfers, will be crucial to its future success.
Analyzing Western Unions financials, we can observe that the company has a relatively low Price-to-Earnings (P/E) ratio of 3.05, indicating potential undervaluation. The forward P/E ratio of 4.69 suggests expected earnings growth. Return on Equity (RoE) of 104.06% is exceptionally high, implying efficient use of shareholder equity. To further assess the companys financial health, we should examine metrics such as debt-to-equity ratio, interest coverage, and operating cash flow margins.
To evaluate Western Unions stock performance, we can look at metrics such as dividend yield, payout ratio, and institutional ownership. As a Trading Analyst, its essential to monitor the companys progress in digital transformation, competitive landscape, and regulatory environment to make informed investment decisions. By focusing on fundamental analysis and KPIs, we can uncover hidden insights and make data-driven predictions about Western Unions future performance.
WU Stock Overview
| Market Cap in USD | 2,803m |
| Sub-Industry | Transaction & Payment Processing Services |
| IPO / Inception | 2006-10-02 |
WU Stock Ratings
| Growth Rating | -68.9% |
| Fundamental | 63.9% |
| Dividend Rating | 66.6% |
| Return 12m vs S&P 500 | -32.9% |
| Analyst Rating | 2.70 of 5 |
WU Dividends
| Dividend Yield 12m | 10.19% |
| Yield on Cost 5y | 5.56% |
| Annual Growth 5y | 0.87% |
| Payout Consistency | 98.8% |
| Payout Ratio | 55.6% |
WU Growth Ratios
| Growth Correlation 3m | -47.2% |
| Growth Correlation 12m | -87.3% |
| Growth Correlation 5y | -84.7% |
| CAGR 5y | -12.55% |
| CAGR/Max DD 5y | -0.21 |
| Sharpe Ratio 12m | -1.01 |
| Alpha | -27.76 |
| Beta | 0.161 |
| Volatility | 25.43% |
| Current Volume | 10567.1k |
| Average Volume 20d | 8802.1k |
| Stop Loss | 8.3 (-4.3%) |
| Signal | 0.67 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (896.1m TTM) > 0 and > 6% of Revenue (6% = 246.2m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA -0.51pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 23.58% (prev -18.57%; Δ 42.16pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.06 (>3.0%) and CFO 494.0m <= Net Income 896.1m (YES >=105%, WARN >=100%) |
| Net Debt (-1.02b) to EBITDA (890.8m) ratio: -1.14 <= 3.0 (WARN <= 3.5) |
| Current Ratio 19.72 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (329.6m) change vs 12m ago -2.94% (target <= -2.0% for YES) |
| Gross Margin 37.20% (prev 37.91%; Δ -0.71pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 51.44% (prev 53.51%; Δ -2.07pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 5.48 (EBITDA TTM 890.8m / Interest Expense TTM 131.9m) >= 6 (WARN >= 3) |
Altman Z'' 1.36
| (A) 0.12 = (Total Current Assets 1.02b - Total Current Liabilities 51.7m) / Total Assets 7.98b |
| (B) -0.00 = Retained Earnings (Balance) -35.2m / Total Assets 7.98b |
| (C) 0.09 = EBIT TTM 722.3m / Avg Total Assets 7.98b |
| (D) -0.03 = Book Value of Equity -209.3m / Total Liabilities 7.10b |
| Total Rating: 1.36 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.89
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 9.31% = 4.65 |
| 3. FCF Margin 10.16% = 2.54 |
| 4. Debt/Equity 3.05 = -0.85 |
| 5. Debt/Ebitda 3.03 = -1.81 |
| 6. ROIC - WACC 10.37% = 12.50 |
| 7. RoE 104.1% = 2.50 |
| 8. Rev. Trend -63.10% = -3.15 |
| 9. Rev. CAGR -2.16% = -0.36 |
| 10. EPS Trend 8.20% = 0.20 |
| 11. EPS CAGR -6.73% = -0.84 |
What is the price of WU shares?
Over the past week, the price has changed by -0.12%, over one month by +7.17%, over three months by -4.37% and over the past year by -21.50%.
Is Western Union a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of WU is around 7.66 USD . This means that WU is currently overvalued and has a potential downside of -11.65%.
Is WU a buy, sell or hold?
- Strong Buy: 2
- Buy: 0
- Hold: 11
- Sell: 4
- Strong Sell: 3
What are the forecasts/targets for the WU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 9.3 | 7.5% |
| Analysts Target Price | 9.3 | 7.5% |
| ValueRay Target Price | 8.4 | -3.1% |
Last update: 2025-08-25 04:50
WU Fundamental Data Overview
CCE Cash And Equivalents = 1.02b USD (last quarter)
P/E Trailing = 3.2879
P/E Forward = 5.0607
P/S = 0.6831
P/B = 3.1727
P/EG = 2.3704
Beta = 0.636
Revenue TTM = 4.10b USD
EBIT TTM = 722.3m USD
EBITDA TTM = 890.8m USD
Long Term Debt = 2.44b USD (from longTermDebt, last quarter)
Short Term Debt = 255.0m USD (from shortTermDebt, last quarter)
Debt = 2.70b USD (Calculated: Short Term 255.0m + Long Term 2.44b)
Net Debt = -1.02b USD (from netDebt column, last quarter)
Enterprise Value = 4.48b USD (2.80b + Debt 2.70b - CCE 1.02b)
Interest Coverage Ratio = 5.48 (Ebit TTM 722.3m / Interest Expense TTM 131.9m)
FCF Yield = 9.31% (FCF TTM 417.0m / Enterprise Value 4.48b)
FCF Margin = 10.16% (FCF TTM 417.0m / Revenue TTM 4.10b)
Net Margin = 21.84% (Net Income TTM 896.1m / Revenue TTM 4.10b)
Gross Margin = 37.20% ((Revenue TTM 4.10b - Cost of Revenue TTM 2.58b) / Revenue TTM)
Tobins Q-Ratio = -21.41 (set to none) (Enterprise Value 4.48b / Book Value Of Equity -209.3m)
Interest Expense / Debt = 1.36% (Interest Expense 36.7m / Debt 2.70b)
Taxrate = -51.02% (set to none) (from yearly Income Tax Expense: -315.6m / 618.6m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 19.72 (Total Current Assets 1.02b / Total Current Liabilities 51.7m)
Debt / Equity = 3.05 (Debt 2.70b / last Quarter total Stockholder Equity 883.6m)
Debt / EBITDA = 3.03 (Net Debt -1.02b / EBITDA 890.8m)
Debt / FCF = 6.47 (Debt 2.70b / FCF TTM 417.0m)
Total Stockholder Equity = 861.1m (last 4 quarters mean)
RoA = 11.22% (Net Income 896.1m, Total Assets 7.98b )
RoE = 104.1% (Net Income TTM 896.1m / Total Stockholder Equity 861.1m)
RoCE = 21.87% (Ebit 722.3m / (Equity 861.1m + L.T.Debt 2.44b))
RoIC = 10.37% (Ebit 722.3m / (Assets 7.98b - Current Assets 1.02b))
WACC = unknown (E(2.80b)/V(5.50b) * Re(6.61%)) + (D(2.70b)/V(5.50b) * Rd(1.36%) * (1-Tc(none)))
Shares Correlation 5-Years: -100.0 | Cagr: -4.83%
Discount Rate = 6.61% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 74.36% ; FCFE base≈433.0m ; Y1≈342.6m ; Y5≈227.5m
Fair Price DCF = 13.12 (DCF Value 4.24b / Shares Outstanding 323.0m; 5y FCF grow -24.95% → 3.0% )
Revenue Correlation: -63.10 | Revenue CAGR: -2.16%
Rev Growth-of-Growth: -2.11
EPS Correlation: 8.20 | EPS CAGR: -6.73%
EPS Growth-of-Growth: 24.64
Additional Sources for WU Stock
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