Western Union Co

Consumer Discretionary
Business Services
www.westernunion.com

Earnings Score
Safety Score

Market Cap $3.65B
PE 5
Debt $2.15B
Cash $1.10B
EV $4.70B
FCF $507.00M

Earnings

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Sales & Net Margins

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Earnings	$675.50M
EBIT	$707.00M
ROE	103%
ROA	9%
FCF	$507.00M
Equity	$652.70M
Growth Stability	-86%
PE	5.4
PEG	-0.94
PB	5.59
P/FCF	7.2
P/S	0.87
Price/Cash	0.3
Debt/Equity	3.29
Debt/FCF	4.24
Net Margins	17%
Gross Margins	38%
Op. Margins	17%
Earnings CAGR	5%
Sales Growth YoY	-6%
Sales Growth QoQ	-3%
Sales CAGR	-3%
FCF CAGR	-0%
Equity CAGR	-8%
Earnings Stability	0.08
Earnings Growth YoY	55%

Earnings Growth QoQ	88%
Earnings CAGR 5Y	-6%
Sales CAGR 5Y	-4%
FCF CAGR 5Y	-7%
Equity CAGR 5Y	41%
Earnings CAGR 3Y	-6%
Sales CAGR 3Y	-6%
FCF CAGR 3Y	-20%
Equity CAGR 3Y	12%
Market Cap	$3.65B
Revenue	$4.20B
Dividend Yield	9%
Payout Ratio	48%
Assets	$7.68B
Total Debt	$2.15B
Cash	$1.10B
Shares Outstanding	337.8M
EV	4.7B
Earnings Score	7%
Safety Score	47%
Gross Profit	$1.59B
Shares Growth 3y	-6%
Equity Growth QoQ	48%
Equity Growth YoY	6%

Assets & ROA

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Stockholders Equity & ROE

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Western Union provides domestic and international money transfers through its global network of about 500,000 outside agents. It is the largest money transfer company in the world and one of only a few companies with a truly global agent network.

SEC Filings

Direct access to Western Union Co (WU) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Western Union Co compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Western Union Co compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 5%

Stability 8%

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Western Union Co Discounted Cash Flow

Fully customizable DCF calculator online for Western Union Co.

Years

Calculation mode

= $5B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$507M	$507M	$506M	$506M	$505M	$505M	$505M	$504M	$504M	$503M	$503M	$5B
DCF		$461M	$418M	$380M	$345M	$314M	$285M	$259M	$235M	$213M	$194M	$1.9B
Value	$5B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	15%	15%	5%	-10%	15%	20%	15%	16%	20%	14%	17%
ROA	-	12%	5%	5%	12%	15%	10%	13%	12%	10%	9%
ROE	-	60%	28%	113%	-275%	-3K%	399%	227%	191%	131%	103%

Good Net Margins (17.4%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-	-	2.73	4.46	2.83	4.24
Debt over Equity	-	-	-	-	-	-	-	7.73	5.13	4.49	3.29
Growth Stability	-	-	-	-86%	100%	100%	100%	91%	100%	76%	-86%

Bad Debt/FCF ratio (4.24)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Bad Debt/Equity ratio (3.29)

The company is overleveraged and has a bad balance between equity and debt.

Bad Graham’s Stability (-86%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-2%	-1%	2%	1%	-5%	-9%	5%	-12%	-3%	-4%
Earnings YoY growth	-	-2%	-70%	-320%	-253%	24%	-30%	8%	13%	-31%	-6%
Equity YoY growth	-	8%	-36%	-154%	-37%	-87%	-572%	91%	34%	0%	41%
FCF YoY growth	-	-7%	1%	-31%	-14%	63%	-8%	40%	-45%	38%	-7%