WU:NYE-Western Union Company (The) (USD)

EQUITY | Credit Services | New York Stock Exchange

Last Closing

USD 13.71

Change

+0.04 (+0.29)%

Market Cap

USD 10.35B

Volume

4.64M

Analyst Target

USD 20.73
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

The Western Union Co is engaged in global money movement and payment services, providing people with fast, reliable and convenient ways to send money around the world. Its segments are Consumer-to-Consumer, Consumer-to-Business and Business Solutions.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-03-27 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap
V Visa Inc. Class A

-0.64 (-0.23%)

USD 569.26B
MA Mastercard Inc

+0.31 (+0.07%)

USD 424.83B
AXP American Express Company

-1.46 (-0.62%)

USD 172.00B
COF Capital One Financial Corporat..

+0.24 (+0.16%)

USD 54.59B
DFS Discover Financial Services

+2.03 (+1.62%)

USD 31.41B
SYF Synchrony Financial

+0.01 (+0.02%)

USD 16.91B
ALLY Ally Financial Inc

+0.16 (+0.41%)

USD 12.09B
OBDC Blue Owl Capital Corporation

+0.18 (+1.14%)

USD 5.88B
OMF OneMain Holdings Inc

+0.37 (+0.73%)

USD 5.83B
LU Lufax Holding Ltd

+0.10 (+2.18%)

USD 4.89B

ETFs Containing WU

PUD.B:CA 1.93 % 0.66 %

N/A

N/A
WDIV:AU SPDR S&P Global Dividend 1.37 % 0.00 %

-0.17 (0.55%)

USD 0.26B
NFO 0.00 % 0.60 %

N/A

N/A
FTEK:LSE Invesco KBW NASDAQ Fintec.. 0.00 % 0.00 %

+0.33 (+0.55%)

USD 0.05B
GEDV:LSE SPDR® S&P® Global Divid.. 0.00 % 0.00 %

+0.10 (+0.55%)

USD 0.02B

Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 15.02% 86% B+ 87% B+
Dividend Return 1.97% 84% B 84% B
Total Return 16.99% 86% B+ 89% A-
Trailing 12 Months  
Capital Gain 24.07% 57% F 74% C
Dividend Return 6.38% 75% C 77% C+
Total Return 30.45% 62% D 78% C+
Trailing 5 Years  
Capital Gain -25.77% 27% F 20% F
Dividend Return 23.39% 78% C+ 78% C+
Total Return -2.38% 23% F 25% F
Average Annual (5 Year Horizon)  
Capital Gain -12.81% 12% F 8% B-
Dividend Return -8.35% 17% F 9% A-
Total Return 4.46% 85% B 78% C+
Risk Return Profile  
Volatility (Standard Deviation) 17.68% 59% D- 62% D
Risk Adjusted Return -47.22% 15% F 8% B-
Market Capitalization 10.35B 71% C- 76% C+

Key Financial Ratios

  Ratio vs. Industry/Classification (Credit Services) Ratio vs. Market (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 12.80 56% 82%
Price/Book Ratio 9.63 9% 8%
Price / Cash Flow Ratio 5.89 17% 56%
Price/Free Cash Flow Ratio 3.92 53% 67%
Management Effectiveness  
Return on Equity 130.85% 98% 99%
Return on Invested Capital 22.30% 84% 88%
Return on Assets 6.34% 84% 80%
Debt to Equity Ratio 446.70% 29% 6%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Superior Dividend Growth

This stock has shown top quartile dividend growth in the previous 5 years compared to its sector

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector