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Financial Services - Financial - Credit Services - NYSE - US
$ 10.84
2.55 %
$ 3.66 B
Market Cap
5.53
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one WU stock under the base case scenario is HIDDEN Compared to the current market price of 10.8 USD, The Western Union Company is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart WU

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FINANCIALS
4.36 B REVENUE
-2.65%
818 M OPERATING INCOME
-7.62%
626 M NET INCOME
-31.25%
783 M OPERATING CASH FLOW
34.65%
-141 M INVESTING CASH FLOW
-26.79%
-897 M FINANCING CASH FLOW
23.83%
1.04 B REVENUE
-2.70%
165 M OPERATING INCOME
-13.53%
265 M NET INCOME
87.80%
212 M OPERATING CASH FLOW
727.51%
-65.7 M INVESTING CASH FLOW
-5.80%
-204 M FINANCING CASH FLOW
-504.20%
Balance Sheet Decomposition The Western Union Company
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Current Assets 1.56 B
Cash & Short-Term Investments 1.27 B
Receivables 0
Other Current Assets 291 M
Non-Current Assets 6.64 B
Long-Term Investments 21.6 M
PP&E 218 M
Other Non-Current Assets 6.4 B
Current Liabilities 660 M
Accounts Payable 453 M
Short-Term Debt 865 M
Other Current Liabilities -658 M
Non-Current Liabilities 7.06 B
Long-Term Debt 1.8 B
Other Non-Current Liabilities 5.26 B
EFFICIENCY
Earnings Waterfall The Western Union Company
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Revenue 4.36 B
Cost Of Revenue 2.86 B
Gross Profit 1.5 B
Operating Expenses 868 M
Operating Income 818 M
Other Expenses 192 M
Net Income 626 M
RATIOS
34.47% GROSS MARGIN
34.47%
18.76% OPERATING MARGIN
18.76%
14.37% NET MARGIN
14.37%
130.69% ROE
130.69%
7.64% ROA
7.64%
23.00% ROIC
23.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis The Western Union Company
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Net Income 626 M
Depreciation & Amortization 184 M
Capital Expenditures -148 M
Stock-Based Compensation 0
Change in Working Capital -111 M
Others 6.9 M
Free Cash Flow 635 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets The Western Union Company
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Wall Street analysts predict an average 1-year price target for WU of $14.8 , with forecasts ranging from a low of $11 to a high of $25 .
WU Lowest Price Target Wall Street Target
11 USD 1.48%
WU Average Price Target Wall Street Target
14.8 USD 36.53%
WU Highest Price Target Wall Street Target
25 USD 130.63%
4. DIVIDEND ANALYSIS
1.97% DIVIDEND YIELD
0.235 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership The Western Union Company
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
128 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
8 months ago
Feb 26, 2024
Bought 128 K USD
Murphy Timothy P.
Director
+ 10000
12.8499 USD
2 years ago
Nov 07, 2022
Bought 99.5 K USD
JOERRES JEFFREY A
Director
+ 7745
12.8422 USD
2 years ago
May 05, 2022
Sell 10.2 K USD
Cebollero David
Interim Chief Legal Officer
- 587
17.4 USD
2 years ago
Feb 23, 2022
Sell 43.2 K USD
Cebollero David
Interim Chief Legal Officer
- 2221
19.45 USD
2 years ago
Feb 22, 2022
Sell 656 K USD
Farah Jean Claude
President, Global Network
- 33401
19.6455 USD
3 years ago
Aug 11, 2021
Sell 28.1 K USD
Summerill Andrew
President, Payments
- 1239
22.66 USD
3 years ago
May 17, 2021
Sell 614 K USD
Agrawal Rajesh K.
CFO
- 24796
24.76 USD
3 years ago
May 17, 2021
Sell 2.12 M USD
Agrawal Rajesh K.
CFO
- 84714
25.0032 USD
3 years ago
May 18, 2021
Sell 53.2 K USD
Agrawal Rajesh K.
CFO
- 2129
25 USD
3 years ago
Apr 01, 2021
Sell 69.4 K USD
Summerill Andrew
President, Payments (Interim)
- 2806
24.75 USD
3 years ago
Mar 18, 2021
Sell 178 K USD
Tsai Caroline
Chief Legal Officer/Secretary
- 7164
24.85 USD
3 years ago
Mar 11, 2021
Sell 24.7 K USD
Molnar Jacqueline D
Chief Transformation Officer
- 1003
24.67 USD
3 years ago
Mar 08, 2021
Sell 250 K USD
Williams Richard L
Chief People Officer
- 10000
25 USD
3 years ago
Feb 25, 2021
Sell 187 K USD
Molnar Jacqueline D
Chief Transformation Officer
- 7898
23.74 USD
3 years ago
Feb 24, 2021
Sell 110 K USD
Tsai Caroline
Chief Legal Officer/Secretary
- 4726
23.38 USD
3 years ago
Feb 22, 2021
Sell 5.59 M USD
Ersek Hikmet
President and CEO
- 233859
23.9123 USD
3 years ago
Feb 23, 2021
Sell 396 K USD
Agrawal Rajesh K.
CFO
- 16895
23.4471 USD
3 years ago
Feb 23, 2021
Sell 660 K USD
Farah Jean Claude
President, Global Network
- 28157
23.4513 USD
3 years ago
Feb 19, 2021
Sell 403 K USD
Fellahi Khalid
President Consumer Money Trsfr
- 16895
23.8381 USD
3 years ago
Dec 11, 2020
Sell 105 K USD
Tsai Caroline
Chief Legal Officer/Secretary
- 4857
21.7 USD
3 years ago
Dec 04, 2020
Sell 329 K USD
Williams Richard L
Chief People Officer
- 15000
21.9234 USD
4 years ago
Jun 10, 2020
Sell 70.1 K USD
Molnar Jacqueline D
Chief Trans Off. & Glbl Compl.
- 2928
23.94 USD
4 years ago
Mar 17, 2020
Sell 22.3 K USD
Molnar Jacqueline D
Chief Trans Off. & Glbl Compl.
- 969
23 USD
4 years ago
Feb 26, 2020
Sell 50.1 K USD
Molnar Jacqueline D
Chief Trans Off. & Glbl Compl.
- 2075
24.15 USD
4 years ago
Feb 25, 2020
Sell 228 K USD
Molnar Jacqueline D
Chief Trans Off. & Glbl Compl.
- 9067
25.2 USD
4 years ago
Feb 14, 2020
Bought 262 K USD
Siegmund Jan
Director
+ 10000
26.21 USD
4 years ago
Jan 02, 2020
Sell 661 K USD
Agrawal Rajesh K.
CFO
- 24553
26.94 USD
4 years ago
Dec 10, 2019
Sell 64.9 K USD
Tsai Caroline
Chief Legal Officer/Secretary
- 2417
26.87 USD
4 years ago
Dec 11, 2019
Sell 65.5 K USD
Tsai Caroline
Chief Legal Officer/Secretary
- 2440
26.83 USD
4 years ago
Dec 06, 2019
Sell 169 K USD
MENDOZA ROBERTO G
Director
- 6282
26.9417 USD
4 years ago
Dec 06, 2019
Sell 545 K USD
MENDOZA ROBERTO G
Director
- 20222
26.9417 USD
5 years ago
Nov 12, 2019
Sell 247 K USD
Kalac Michael
Acting Chief Tech Officer
- 9164
26.93 USD
5 years ago
Nov 07, 2019
Sell 58.6 K USD
Summerill Andrew
President, Payments (Interim)
- 2125
27.5532 USD
5 years ago
Oct 28, 2019
Sell 230 K USD
MILES MICHAEL
Director
- 9192
25 USD
5 years ago
Sep 12, 2019
Sell 151 K USD
MILES MICHAEL
Director
- 6282
24 USD
5 years ago
Sep 12, 2019
Sell 277 K USD
Schenkel Amintore
Chief Acct. Officer
- 11550
24 USD
5 years ago
Sep 06, 2019
Sell 305 K USD
Schenkel Amintore
Chief Acct. Officer
- 13361
22.86 USD
5 years ago
Aug 06, 2019
Sell 327 K USD
HOLDEN BETSY D
Director
- 15474
21.1609 USD
5 years ago
Aug 02, 2019
Sell 93 K USD
Williams Richard L
Chief People Officer
- 4257
21.85 USD
5 years ago
Jul 26, 2019
Sell 109 K USD
Fellahi Khalid
President Consumer Money Trsfr
- 5178
21 USD
5 years ago
Jul 10, 2019
Sell 740 K USD
Williams Richard L
EVP & Chief Human Res. Ofcr.
- 35686
20.75 USD
5 years ago
Jun 24, 2019
Sell 316 K USD
Molnar Jacqueline D
Glbl Hd-Transformation & Compl
- 15712
20.14 USD
5 years ago
Jun 17, 2019
Sell 320 K USD
Williams Richard L
EVP & Chief Human Res. Ofcr.
- 16000
20.0112 USD
5 years ago
Feb 01, 2019
Sell 403 K USD
Agrawal Rajesh K.
EVP & CFO
- 21950
18.3512 USD
5 years ago
Dec 14, 2018
Sell 156 K USD
MILES MICHAEL
Director
- 8504
18.302 USD
5 years ago
Dec 13, 2018
Sell 159 K USD
HOLDEN BETSY D
Director
- 8504
18.6443 USD
5 years ago
Dec 14, 2018
Sell 339 K USD
MENDOZA ROBERTO G
Director
- 18709
18.14 USD
5 years ago
Dec 11, 2018
Sell 45.2 K USD
Tsai Caroline
EVP, Secretary & Gen. Counsel
- 2440
18.51 USD
6 years ago
Nov 14, 2018
Sell 41.4 K USD
Rhodes Sheri
EVP, Chief Technology Officer
- 2175
19.02 USD
6 years ago
Jul 03, 2018
Sell 414 K USD
Williams Richard L
EVP & Chief Human Res. Ofcr.
- 20207
20.5 USD
6 years ago
Jun 25, 2018
Sell 92.8 K USD
Rhodes Sheri
EVP, Chief Technology Officer
- 4417
21 USD
6 years ago
Jun 07, 2018
Sell 1.7 M USD
Almeida Odilon
EVP&Pres.-Global Money Trnsfr
- 81008
21 USD
6 years ago
Jan 08, 2018
Sell 343 K USD
Schenkel Amintore
Chief Acct. Officer
- 15600
21.99 USD
6 years ago
Jan 08, 2018
Sell 1.09 M USD
Farah Jean Claude
EVP & Pres., Global Payments
- 50813
21.5 USD
7 years ago
Nov 03, 2017
Sell 94.9 K USD
Farah Jean Claude
EVP & Pres., Global Payments
- 4627
20.5 USD
7 years ago
Nov 03, 2017
Sell 264 K USD
Farah Jean Claude
EVP & Pres., Global Payments
- 12891
20.5 USD
7 years ago
Aug 04, 2017
Sell 473 K USD
Thompson John David
EVP and CIO
- 23500
20.12 USD
7 years ago
Mar 01, 2017
Sell 135 K USD
Schenkel Amintore
Chief Acct. Officer
- 6833
19.7789 USD
8 years ago
Aug 04, 2016
Sell 293 K USD
Schenkel Amintore
Chief Acct. Officer
- 13957
21 USD
7 years ago
Feb 16, 2017
Bought 5.85 K USD
Williams Richard L
EVP & Chief Human Res. Ofcr.
+ 300
19.49 USD
8 years ago
Sep 28, 2016
Sell 434 K USD
MILES MICHAEL
Director
- 21281
20.3709 USD
8 years ago
Aug 30, 2016
Sell 199 K USD
Agrawal Rajesh K.
EVP & CFO
- 9263
21.4962 USD
8 years ago
Aug 29, 2016
Sell 390 K USD
Almeida Odilon
EVP & Pres, Americas & Europe
- 18064
21.5679 USD
8 years ago
Aug 24, 2016
Sell 5.88 M USD
Ersek Hikmet
President and CEO
- 273420
21.52 USD
8 years ago
Aug 23, 2016
Sell 58.2 K USD
Ersek Hikmet
President and CEO
- 2707
21.49 USD
8 years ago
Aug 18, 2016
Sell 447 K USD
HOLDEN BETSY D
Director
- 21281
21.0168 USD
7. News
Here's Why Western Union (WU) is a Strong Value Stock Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service. zacks.com - 2 days ago
Western Union Foundation Awards 70 Scholarships to International and Immigrant Students for the 2024-2025 School Year DENVER--(BUSINESS WIRE)--The Western Union Foundation is proud to announce this year's cohort of 70 scholarship award winners, consisting of international and immigrant students representing 33 countries of origin, studying in 8 countries, and spanning 32 different universities. The Western Union Foundation has supported international students with “Global Scholarships” since 2016 and has granted more than 600 scholarships to date. It is a program that is especially meaningful to Western Union,. businesswire.com - 3 days ago
Western Union Launches Media Network Business Supported by User Data Western Union has launched a media network business that lets companies advertise to its customers via company-owned channels like its website, mobile app and digital-out-of-home (DOOH) screen network as well as through audience extension. pymnts.com - 5 days ago
Western Union Launches Media Network Business Offering Brands Unparalleled Reach and Engagement with Globally Diverse Audiences DENVER--(BUSINESS WIRE)--Western Union today announced a new line of business offering companies a new way to connect and engage with a diverse, multicultural audience of millions of global consumers. “For more than a century and a half, people around the world have trusted Western Union as their means to connect across borders through the power of money movement,” said Bob Rupczynski, Chief Marketing Officer, Western Union. “Our intimate knowledge and long-tenured relationships with our custom. businesswire.com - 5 days ago
Why Western Union (WU) is a Top Value Stock for the Long-Term The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage. zacks.com - 2 weeks ago
Why Western Union Stock Wilted Today Investors were clearly unimpressed by the company's third-quarter performance. fool.com - 3 weeks ago
Western Union's Q3 Earnings Beat on Branded Digital Strength WU's Q3 results benefit from its strong Branded Digital business and a lower expense level, partly offset by reduced Iraq contributions. zacks.com - 3 weeks ago
Western Union to Acquire Dash Mobile Wallet From Singtel Western Union plans to acquire Dash, a mobile wallet in Singapore that has more than 1.4 million users. The company and Dash owner Singtel signed a conditional agreement on the sale of the mobile wallet, the companies said in a Wednesday (Oct. 23) press release. pymnts.com - 3 weeks ago
Western Union's Digital Business Sees 15% Growth in Transactions Western Union's Branded Digital business saw 15% growth in transactions and 9% growth in revenue on a reported basis in the third quarter. This marked the sixth consecutive quarter of double-digit transaction growth for the Branded Digital business, the company said in a presentation released Wednesday (Oct. 23) in conjunction with its quarterly earnings call. pymnts.com - 3 weeks ago
Singtel and Western Union Announce Agreement on Sale of Dash SINGAPORE--(BUSINESS WIRE)--Singtel and Western Union today announce that they have signed a conditional agreement on the sale of Dash. The sale is subject to regulatory approvals. Dash customers will continue to have access to all existing services in the meantime. Dash is Singapore's leading all-in-one mobile wallet that lets customers pay, remit, save, invest and insure from one app. Launched in 2014, it has over 1.4 million users and is available to everyone regardless of their telco or ban. businesswire.com - 3 weeks ago
The Western Union Company (WU) Q3 2024 Earnings Call Transcript The Western Union Company (NYSE:WU ) Q3 2024 Results Conference Call October 23, 2024 4:30 PM ET Company Participants Tom Hadley - Vice President of Investor Relations Devin McGranahan - Chief Executive Officer Matt Cagwin - Chief Financial Officer Conference Call Participants Jason Kupferberg - Bank of America Tien-Tsin Huang - JPMorgan Darrin Peller - Wolfe Research Andrew Schmidt - Citi Ken Suchoski - Autonomous Rufus Hone - BMO Tim Chiodo - UBS Ramsey El-Assal - Barclays Bryan Keane - Deutsche Bank Operator Good day, and welcome to the Western Union Third Quarter 2024 Results Conference Call. All participants will be in listen-only mode. seekingalpha.com - 3 weeks ago
8. Profile Summary

The Western Union Company WU

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 3.66 B
Dividend Yield 1.97%
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.
Contact 7001 East Belleview Avenue, Denver, CO, 80237 https://www.westernunion.com
IPO Date Oct. 2, 2006
Employees 9000
Officers Mr. Andrew D. Walker Executive Vice President & Chief Operations Officer Ms. Cherie Axelrod Executive Vice President and Chief Risk & Compliance Officer Mr. Mark T. Hinsey Chief Accounting Officer & Controller Mr. Bob Rupczynski Chief Marketing Officer Mr. Giovanni Angelini President of Europe & Africa Mr. Tom Hadley Head of Investor Relations Mr. Benjamin Carlton Adams Executive Vice President & Chief Legal Officer Mr. Benjamin Hawksworth Chief Technology Officer Mr. Matthew Cagwin Executive Vice President & Chief Financial Officer Mr. Devin B. McGranahan President, Chief Executive Officer & Director