0.24%
-1.65%
-3.11%
-12.32%
-17.06%
-44.87%
-61.25%
AI Spotlight on WU
Company Description
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.
Market Data
| Last Price | 10.43 |
| Change Percentage | 0.24% |
| Open | 10.41 |
| Previous Close | 10.4 |
| Market Cap ( Millions) | 3522 |
| Volume | 1795999 |
| Year High | 14.19 |
| Year Low | 10.17 |
| M A 50 | 10.68 |
| M A 200 | 11.82 |
Financial Ratios
| FCF Yield | 11.77% |
| Dividend Yield | 9.02% |
| ROE | 137.13% |
| Debt / Equity | 396.31% |
| Net Debt / EBIDTA | 130.87% |
| Price To Book | 5.4 |
| Price Earnings Ratio | 5.22 |
| Price To FCF | 8.49 |
| Price To sales | 0.84 |
| EV / EBITDA | 5.27 |
News
- 00:21 - Why Western Union (WU) Outpaced the Stock Market Today
- Jan -30 - Can Western Unions' Q4 Earnings Navigate Through Lower Transactions?
- Jan -17 - Western Union (WU) Rises As Market Takes a Dip: Key Facts
- Jan -10 - Western Union (WU) Falls More Steeply Than Broader Market: What Investors Need to Know
- Jan -07 - Western Union (WU) Stock Falls Amid Market Uptick: What Investors Need to Know
- Jan -01 - Western Union (WU) Rises As Market Takes a Dip: Key Facts
- Dec -26 - Best International Money Transfer (2025): Western Union Recognized as Top Online Money Transfer Service by Expert Consumers
- Dec -25 - Western Union (WU) Rises But Trails Market: What Investors Should Know
- Dec -23 - Western Union Passes Through 9% Yield Mark
- Dec -23 - Best Money Transfer App 2025: Western Union Recognized as Top Money Transfer App by Expert Consumers
- Dec -22 - Western Union Underperformed Again In 2024, Outlook Appears Positive
- Dec -20 - Western Union: Deep Value And Dividend Income
- Dec -18 - Western Union (WU) Sees a More Significant Dip Than Broader Market: Some Facts to Know
- Dec -16 - Why Western Union Stock Bounced 4% Higher Today
- Dec -16 - Western Union Approves $1B Buyback Plan, Declares Quarterly Dividend
- Dec -13 - Western Union Announces New $1 Billion Share Repurchase Program and $0.235 Quarterly Dividend
- Dec -12 - What's the Strategic Value of Western Union's New Stores in Mexico?
- Dec -11 - Western Union Opens Own Stores for Customers in Mexico
- Dec -03 - Grab Magnificent Monthly Passive Income From 5 High-Yielding Quality Stocks
- Nov -26 - Western Union to Present at the UBS Global Technology and AI Conference on December 4th
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Consumer Money Transfer
Expected Growth : 10.47 %
What the company do ?
Consumer Money Transfer from The Western Union Company allows individuals to send and receive money globally through various channels, including online, mobile, and retail locations.
Why we expect these perspectives ?
The 10.47% growth in Consumer Money Transfer from The Western Union Company is driven by increasing cross-border transactions, rising demand for digital money transfer services, and expansion into new markets. Additionally, strategic partnerships, improved customer experience, and competitive pricing also contribute to this growth.
Segment n°2 -> Other
Expected Growth : 8.23 %
What the company do ?
The 'Other' segment from The Western Union Company includes investments in digital payments, business solutions, and other financial services.
Why we expect these perspectives ?
The Western Union Company's 8.23% growth in 'Other' segment is driven by increasing demand for cross-border payments, expansion of digital channels, and strategic partnerships. Additionally, the company's diversified revenue streams, including cash-based and digital transactions, contribute to its growth. Furthermore, the company's strong brand recognition and extensive global network also support its growth momentum.
Segment n°3 -> Business Solutions
Expected Growth : 8.5 %
What the company do ?
Western Union Business Solutions provides cross-border payment and risk management solutions to help businesses navigate global markets and manage foreign exchange risk.
Why we expect these perspectives ?
Western Union's 8.5% growth in Business Solutions is driven by increasing demand for cross-border payment solutions, expansion into new markets, and strategic partnerships. Additionally, the company's investment in digital transformation, enhanced customer experience, and competitive pricing strategies have contributed to its growth momentum.
The Western Union Company Products
| Product Range | What is it ? |
|---|---|
| Money Transfer | Allows customers to send and receive money across the globe through various channels such as online, mobile, and retail locations. |
| Bill Payment | Enables customers to pay bills online or in-person at Western Union locations. |
| Prepaid Cards | Offers prepaid debit cards that can be loaded with funds and used to make purchases online or in-store. |
| Money Orders | Provides a secure way to make payments with a guaranteed form of payment. |
| Business Payments | Offers payment solutions for businesses to make international payments and manage cash flow. |
| Digital Money Transfer | Allows customers to send and receive money digitally through the Western Union app or website. |
The Western Union Company's Porter Forces
Threat Of Substitutes
The threat of substitutes for Western Union is moderate due to the presence of alternative money transfer services such as PayPal, Xoom, and TransferWise. However, Western Union's strong brand recognition and extensive network of agents help to mitigate this threat.
Bargaining Power Of Customers
The bargaining power of customers is low due to the lack of concentration of buyers in the money transfer market. Individual customers have limited negotiating power, and Western Union's large customer base helps to reduce the impact of any individual customer's bargaining power.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the large number of agents and partners that Western Union works with. This reduces the dependence on any individual supplier, giving Western Union greater negotiating power.
Threat Of New Entrants
The threat of new entrants is high due to the relatively low barriers to entry in the money transfer market. New fintech companies and digital payment platforms are emerging, posing a threat to Western Union's market share.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of established competitors such as MoneyGram and PayPal, as well as new entrants in the market. This leads to a highly competitive market with intense price competition and advertising efforts.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 85.70% |
| Debt Cost | 5.01% |
| Equity Weight | 14.30% |
| Equity Cost | 8.19% |
| WACC | 5.46% |
| Leverage | 599.06% |
The Western Union Company : Quality Control
The Western Union Company passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| SYF | Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer … |
| ALLY | Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through … |
| FCFS | FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. Its pawn stores lend money on the collateral of … |
| OMF | OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses. The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, … |
| SLM | SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States. It also offers … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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OneMain Holdings
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Synchrony
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SLM
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Western Union
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Ally Financial
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