Western Union Financials

WU Stock  USD 11.01  0.01  0.09%   
Based on the analysis of Western Union's profitability, liquidity, and operating efficiency, Western Union Co is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in January. At this time, Western Union's Intangible Assets are comparatively stable compared to the past year. Property Plant Equipment is likely to gain to about 199.5 M in 2024, whereas Other Stockholder Equity is likely to drop slightly above 594.2 M in 2024. Key indicators impacting Western Union's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Operating IncomeB817.5 M
Fairly Up
Pretty Stable
Current Ratio0.260.273
Sufficiently Down
Slightly volatile
Investors should never underestimate Western Union's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Western Union's cash flow, debt, and profitability to make informed and accurate decisions about investing in Western Union Co.

Cash And Equivalents

1.27 Billion

  
Understanding current and past Western Union Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Western Union's financial statements are interrelated, with each one affecting the others. For example, an increase in Western Union's assets may result in an increase in income on the income statement.

Western Union Co Earnings Geography

Please note, the imprecision that can be found in Western Union's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Western Union Co. Check Western Union's Beneish M Score to see the likelihood of Western Union's management manipulating its earnings.

Western Union Stock Summary

Western Union competes with American Express, Capital One, Upstart Holdings, Ally Financial, and SoFi Technologies. The Western Union Company provides money movement and payment services worldwide. The company was founded in 1851 and is headquartered in Denver, Colorado. Western Union operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 10500 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS9598021098
CUSIP959802109
LocationColorado; U.S.A
Business Address7001 East Belleview
SectorFinancial Services
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.westernunion.com
Phone866 405 5012
CurrencyUSD - US Dollar

Western Union Key Financial Ratios

Western Union Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets8.8B9.5B8.8B8.5B8.2B8.2B
Other Assets3.7B4.8B5.0B4.6B(1.0)(0.95)
Total Liab8.8B9.3B8.5B8.0B7.7B7.7B
Other Current Liab774.7M848.9M595.7M(480M)3.7B3.9B
Other Liab276.7M991.3M473.2M343.2M308.9M293.4M
Accounts Payable601.9M500.9M450.2M464M453M582.4M
Cash1.5B1.4B1.2B1.3B1.3B1.1B
Good Will2.7B2.7B2.6B2.0B2.3B2.6B
Other Current Assets(1.5B)(1.4B)(1.2B)261.6M291.2M400.5M
Intangible Assets494.9M505M417.1M457.9M380.2M462.2M
Net Debt1.8B1.6B1.8B1.5B902.3M857.2M
Net Receivables1.2B1.1B1.2B1.7B2.0B1.2B
Total Current Assets1.5B1.4B2.7B1.5B1.6B1.8B
Retained Earnings(675.9M)(543.1M)(537.2M)(353.9M)(389.1M)(369.6M)
Long Term Debt3.0B3.1B3.0B2.6B2.1B2.4B
Common Stock4.2M4.1M3.9M3.7M3.5M4.3M
Short Term Debt245M80M275M480M907.5M1.2B
Net Tangible Assets(3.1B)(2.9B)(2.1B)(2.0B)(1.8B)(1.9B)
Capital Surpluse841.2M885.1M941M995.9M1.1B620.6M
Inventory(1.5B)226.7M312.3M3.5B4.0B4.2B

Western Union Key Income Statement Accounts

The reason investors look at the income statement is to determine what Western Union's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Total Revenue5.3B4.8B5.1B4.5B4.4B5.2B
Gross Profit2.2B2.0B2.2B1.8B1.7B1.8B
Operating Income934M967.3M1.1B884.9M817.5M1.0B
Ebit1.2B(2.6B)(2.6B)(2.5B)817.5M749.1M
Ebitda1.2B1.2B1.3B1.1B817.5M1.3B
Income Before Tax1.3B855.1M935.4M1.0B745.8M792.9M
Net Income1.1B744.3M805.8M910.6M626M592.6M
Income Tax Expense263.1M110.8M129.6M98M119.8M185.1M
Interest Expense152M118.5M105.5M101M105.3M133.5M
Cost Of Revenue3.1B2.8B2.9B2.6B2.7B3.2B
Tax Provision263.1M110.8M129.6M98M69.8M66.3M
Interest Income6.3M3.2M1.4M87.1M17.6M25.3M
Net Interest Income(145.7M)(115.3M)(104.1M)(87.1M)(87.6M)(92.0M)

Western Union Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash477.1M(9.4M)(32.2M)(70.2M)(254.5M)(241.8M)
Free Cash Flow786.9M720.7M830.7M373.4M635.3M638.0M
Depreciation257.7M225.6M208.2M183.8M183.6M218.2M
Other Non Cash Items118.4M145.8M149.6M(139.4M)95.9M61.1M
Capital Expenditures127.7M156.8M214.6M208.2M147.8M173.0M
Net Income1.1B744.3M805.8M910.6M626M596.5M
End Period Cash Flow1.5B1.4B2.1B2.0B1.8B1.5B
Dividends Paid340.8M370.3M381.6M364.2M349M336.5M
Change To Netincome93.9M159.7M208.9M88.7M102.0M101.0M
Investments48.3M(4M)402.9M525.5M82.3M81.2M
Net Borrowings(209M)(165M)(63.3M)(395M)(355.5M)(337.7M)

Western Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Western Union's current stock value. Our valuation model uses many indicators to compare Western Union value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Western Union competition to find correlations between indicators driving Western Union's intrinsic value. More Info.
Western Union Co is rated first in return on equity category among its peers. It is rated first in return on asset category among its peers reporting about  0.06  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Western Union Co is roughly  17.26 . At this time, Western Union's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Western Union by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Western Union Systematic Risk

Western Union's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Western Union volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Western Union correlated with the market. If Beta is less than 0 Western Union generally moves in the opposite direction as compared to the market. If Western Union Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Western Union is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Western Union is generally in the same direction as the market. If Beta > 1 Western Union moves generally in the same direction as, but more than the movement of the benchmark.

Western Union Thematic Clasifications

Western Union Co is part of several thematic ideas from Banks to Business Services. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Western Union Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Western Union's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Western Union growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.26)

At this time, Western Union's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Western Union December 2, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Western Union help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Western Union Co. We use our internally-developed statistical techniques to arrive at the intrinsic value of Western Union Co based on widely used predictive technical indicators. In general, we focus on analyzing Western Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Western Union's daily price indicators and compare them against related drivers.

Additional Tools for Western Stock Analysis

When running Western Union's price analysis, check to measure Western Union's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Western Union is operating at the current time. Most of Western Union's value examination focuses on studying past and present price action to predict the probability of Western Union's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Western Union's price. Additionally, you may evaluate how the addition of Western Union to your portfolios can decrease your overall portfolio volatility.