Own the gold standard ✨ in financial data & analytics
fair value · 20 million securities worldwide · 50 year history · 10 year estimates · leading business news

Subscribe for $2
Overview
Profile

Western Union stock

WU
US9598021098
A0LA17

Price

11.84
Today +/-
+0.07
Today %
+0.68 %
P

Western Union stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Western Union stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Western Union stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Western Union stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Western Union's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Western Union Stock Price History

DateWestern Union Price
10/2/202411.84 undefined
10/1/202411.76 undefined
9/30/202411.93 undefined
9/27/202412.16 undefined
9/26/202412.19 undefined
9/25/202411.90 undefined
9/24/202412.00 undefined
9/23/202411.98 undefined
9/20/202411.74 undefined
9/19/202411.67 undefined
9/18/202411.90 undefined
9/17/202411.87 undefined
9/16/202411.76 undefined
9/13/202411.86 undefined
9/12/202411.85 undefined
9/11/202411.78 undefined
9/10/202411.90 undefined
9/9/202412.14 undefined
9/6/202412.15 undefined
9/5/202412.07 undefined
9/4/202412.23 undefined

Western Union Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into Western Union, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Western Union from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Western Union’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Western Union. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Western Union’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Western Union’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Western Union’s growth potential.

Western Union Revenue, EBIT and net profit per share

DateWestern Union RevenueWestern Union EBITWestern Union Net Income
2028e4.55 B undefined870.35 M undefined664.51 M undefined
2027e4.45 B undefined876.53 M undefined647.12 M undefined
2026e4.41 B undefined875 M undefined673.94 M undefined
2025e4.34 B undefined848.96 M undefined633.84 M undefined
2024e4.31 B undefined831.62 M undefined611.96 M undefined
20234.36 B undefined817.5 M undefined626 M undefined
20224.48 B undefined884.9 M undefined910.6 M undefined
20215.07 B undefined1.12 B undefined805.8 M undefined
20204.84 B undefined1 B undefined744.3 M undefined
20195.29 B undefined794.6 M undefined1.06 B undefined
20185.59 B undefined969.1 M undefined851.9 M undefined
20175.52 B undefined934.9 M undefined-557.1 M undefined
20165.42 B undefined455.2 M undefined253.2 M undefined
20155.48 B undefined1.08 B undefined837.8 M undefined
20145.61 B undefined1.14 B undefined852.4 M undefined
20135.54 B undefined1.11 B undefined798.4 M undefined
20125.66 B undefined1.37 B undefined1.03 B undefined
20115.49 B undefined1.43 B undefined1.17 B undefined
20105.19 B undefined1.36 B undefined909.9 M undefined
20095.08 B undefined1.28 B undefined848.8 M undefined
20085.28 B undefined1.38 B undefined919 M undefined
20074.9 B undefined1.32 B undefined857.3 M undefined
20064.47 B undefined1.31 B undefined914 M undefined
20053.99 B undefined1.27 B undefined927.4 M undefined
20043.55 B undefined1.11 B undefined751.6 M undefined

Western Union Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (B)EBIT (B)EBIT MARGIN (%)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
2003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e2027e2028e
3.153.553.994.474.95.285.085.195.495.665.545.615.485.425.525.595.294.845.074.484.364.314.344.414.454.55
-12.5712.4012.119.627.80-3.772.145.763.15-2.151.17-2.21-1.111.881.18-5.31-8.644.86-11.74-2.64-1.080.671.571.072.07
48.6547.5946.8845.6242.6741.4443.4442.9343.7143.7741.6341.1841.6739.7539.9040.3140.9141.6342.8841.3238.67-----
1.531.691.872.042.092.192.212.232.42.482.312.312.292.162.22.252.172.012.171.851.6900000
11.111.271.311.321.381.281.361.431.371.111.141.080.460.930.970.7911.120.880.820.830.850.880.880.87
31.8331.3531.8329.3326.9826.0325.2226.1726.0624.2219.9720.3319.778.3916.9117.3415.0020.7722.1519.7518.7519.2819.5419.8519.6719.14
0.630.750.930.910.860.920.850.911.171.030.80.850.840.25-0.560.851.060.740.810.910.630.610.630.670.650.66
-18.6423.44-1.40-6.247.23-7.737.1928.16-12.02-22.156.77-1.76-69.77-320.16-252.7824.32-29.688.2013.04-31.21-2.403.606.32-3.862.63
--------------------------
--------------------------
763.9763.9763.9768.6772.9738.2701668.9634.2607.4559.7536.8516.7493.5467.9454.4430.9415.2408.9388.4371.800000
--------------------------
Details

Keystats

ⓘ

Revenue and Growth

The Western Union Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Western Union is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (B)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (B)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (B)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (M)OTHER EQUITY (B)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (B)PROVISIONS (M)OTHER SHORT-TERM LIAB. (B)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
20042005200620072008200920102011201220132014201520162017201820192020202120222023
                                       
0.470.511.421.791.31.692.161.371.782.071.781.320.880.840.971.451.431.211.291.27
3439694232463738181600000000000
00003319426382100000000000
00000000000000000000
69544224275055576963831271211011028185.594.791.9
0.821.491.521.871.71.842.271.481.872.141.851.41.010.961.071.551.511.291.381.36
7182176200192204197198196210206232221214270387340293.9232218
1561501652112138786414114142434029313335204.7210.9210.4
00000000000000000000
120180288334351489438847879834748705664586598495505417.1457.9380.2
1.341.621.651.641.672.142.153.23.183.173.173.163.162.732.732.572.572.032.032.03
0.090.10.120.060.050.040.030.030.03000000001.480.30.02
1.782.132.42.442.482.962.914.324.334.364.174.144.093.563.623.483.454.433.242.86
2.63.623.924.314.184.85.185.86.26.56.015.545.094.524.75.044.965.734.624.23
                                       
008877766655554443.93.73.5
00-0.44-0.34-0.010.040.120.250.330.390.450.570.640.70.760.840.890.9411.03
0020845329433592760755877969977419-966-839-676-543-537.2-353.9-389.1
1.942.81-0.07-0.07-0.03-0.13-0.13-0.12-0.15-0.17-0.13-0.15-0.16-0.23-0.23-0.23-0.22-0.08-0.1-0.13
000000000498-43-1255830.4-69.4-33
1.942.81-0.30.05-0.010.350.580.890.941.111.31.410.9-0.49-0.31-0.040.190.360.480.48
0.220.240.310.350.390.50.520.540.560.640.60.611.130.720.570.60.50.450.460.45
000000000000000242235208.4198.7164.6
000.240.280.380.520.360.30.220.220.170.210.411.251.051.020.930.870.730.66
1016432833858300000000012524580275180364.9
0005000000000000004803000
0.230.40.881.471.351.020.880.840.770.860.770.821.541.971.742.111.791.81.871.64
0032.52.563.053.293.584.034.213.723.222.793.033.312.982.942.732.142.14
25330433526427026929039035231930527386173161152189203.8158.5147.6
0.941.111.481.51.412.662.893.373.373.633.83.744.114.554.093.554.393.733.863.79
1.191.414.814.274.245.986.477.347.758.167.827.236.987.757.566.697.526.666.156.08
1.421.815.75.735.5977.358.188.529.028.598.058.529.729.318.89.318.478.027.72
3.364.635.45.795.587.357.939.079.4710.129.899.459.429.2398.769.58.828.58.2
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Western Union provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Western Union's financial health and stability.

Assets

Western Union's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Western Union must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Western Union after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Western Union's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
200320042005200620072008200920102011201220132014201520162017201820192020202120222023
0.630.750.930.910.860.920.850.911.171.030.80.850.840.25-0.560.851.060.740.810.910.63
787979103123144154175192246262271270263262264257225208183183
63472412415-202821-35-39-26-39-17469-15-2413-2-26-11
-3214-553553105159-157-184-12813-101-60601378-34636-252-177-346-111
4937264364951077311775349639858866-413145211-13995
0532618517115017519118119317016115912814215110910197102
2652993912713402301623651442571581799268-11339318187185279197
0.790.9311.111.11.251.220.991.171.191.091.051.071.040.740.820.910.881.050.580.78
-42-42-42-78-111-70-71-78-65-93-122-105-143-122-102-188-81-87-107-136-111
-174-143-428-384-202-453-324-64-1,360-258-341-89-286-271-204-328632-113192525-140
-132-101-385-306-90-382-25214-1,294-164-21916-142-148-102-140713-25299661-29
000000000000000000000
0.050.030.542.940.01-0.26-0.090.250.30.450.2-0.5-0.5-0.430.250.4-0.21-0.17-0.06-0.4-0.12
00060-510-1,014-377-539-703-713-370-481-435-466-489-402-515-237-398-360-308
-629-651-533187-530-1,297-504-457-601-521-450-1,246-1,252-1,209-570-357-1,069-773-1,269-1,177-896
-683-680-1,0751520000000000-1-9-40-426-57-124
000-2,961-30-28-41-165-194-254-277-265-316-312-325-341-340-370-381-364-349
-1013540911371-497389472-786405296-289-467-438-33135477-9-32-70-254
750.7888960.31,030.7992.31,1831,146.5915.71,109.11,092966.6940927.4919.4639.7632.6833.5789.8938.2445.3671.7
000000000000000000000

Western Union stock margins

The Western Union margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Western Union. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Western Union.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Western Union's sales revenue. A higher gross margin percentage indicates that the Western Union retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Western Union's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Western Union's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Western Union's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Western Union. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Western Union's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Western Union Margin History

Western Union Gross marginWestern Union Profit marginWestern Union EBIT marginWestern Union Profit margin
2028e38.68 %19.15 %14.62 %
2027e38.68 %19.68 %14.53 %
2026e38.68 %19.85 %15.29 %
2025e38.68 %19.56 %14.6 %
2024e38.68 %19.3 %14.2 %
202338.68 %18.76 %14.37 %
202241.32 %19.77 %20.35 %
202142.88 %22.15 %15.89 %
202041.63 %20.77 %15.39 %
201940.93 %15.01 %20 %
201840.31 %17.34 %15.24 %
201739.91 %16.92 %-10.08 %
201639.75 %8.39 %4.67 %
201541.67 %19.78 %15.28 %
201441.19 %20.34 %15.2 %
201341.63 %19.98 %14.41 %
201243.77 %24.23 %18.11 %
201143.7 %26.07 %21.22 %
201042.93 %26.18 %17.52 %
200943.45 %25.23 %16.7 %
200841.44 %26.03 %17.4 %
200742.69 %26.98 %17.5 %
200645.63 %29.34 %20.45 %
200546.87 %31.83 %23.26 %
200447.59 %31.35 %21.19 %

Western Union Stock Sales Revenue, EBIT, Earnings per Share

The Western Union earnings per share therefore indicates how much revenue Western Union has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Western Union earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Western Union's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Western Union’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Western Union's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Western Union Revenue, EBIT and net profit per share

DateWestern Union Sales per ShareWestern Union EBIT per shareWestern Union Earnings per Share
2028e13.46 undefined0 undefined1.97 undefined
2027e13.19 undefined0 undefined1.92 undefined
2026e13.05 undefined0 undefined2 undefined
2025e12.85 undefined0 undefined1.88 undefined
2024e12.76 undefined0 undefined1.81 undefined
202311.72 undefined2.2 undefined1.68 undefined
202211.52 undefined2.28 undefined2.34 undefined
202112.4 undefined2.75 undefined1.97 undefined
202011.64 undefined2.42 undefined1.79 undefined
201912.28 undefined1.84 undefined2.46 undefined
201812.3 undefined2.13 undefined1.87 undefined
201711.81 undefined2 undefined-1.19 undefined
201610.99 undefined0.92 undefined0.51 undefined
201510.61 undefined2.1 undefined1.62 undefined
201410.45 undefined2.12 undefined1.59 undefined
20139.9 undefined1.98 undefined1.43 undefined
20129.33 undefined2.26 undefined1.69 undefined
20118.66 undefined2.26 undefined1.84 undefined
20107.76 undefined2.03 undefined1.36 undefined
20097.25 undefined1.83 undefined1.21 undefined
20087.16 undefined1.86 undefined1.24 undefined
20076.34 undefined1.71 undefined1.11 undefined
20065.82 undefined1.71 undefined1.19 undefined
20055.22 undefined1.66 undefined1.21 undefined
20044.64 undefined1.46 undefined0.98 undefined

Western Union business model

Western Union Co is an American financial services company based in Denver, Colorado. The company was founded in 1851 by Hiram Sibley, who advocated for the construction of a telegraph system in the United States. In the following years, the company expanded to offer international telegraph services. Since the 1980s, Western Union has transformed into a provider of money transfer services and has since diversified its offerings. Today, Western Union is a global leader in financial services available in over 200 countries and territories. The core business of Western Union is money transfer, allowing individuals and businesses to send money quickly and securely. In recent years, Western Union has expanded its offerings to include additional services such as payment processing, billing, e-commerce payment processing, prepaid cards, and currency conversion services. In addition to the traditional cash transfer service, Western Union also offers the option to send and receive money online or through mobile devices. Customers can send money through a Western Union branch, website, or mobile app, and the recipient can receive the funds in cash or via bank transfer. The fees for the money transfer depend on factors such as the amount, destination country, and transfer speed. Another division of Western Union is Payment Services, which enables businesses to accept payments from customers quickly and easily. The services offered include traditional payment methods such as credit card and debit card payments, as well as more modern methods such as digital transfers and mobile payments. Western Union also provides prepaid cards that customers can use as a form of payment. Western Union prepaid cards offer features such as free direct deposits, fee-free transfers to other Western Union cards, and a mobile app for transaction and account management. In addition to these offerings, Western Union also provides currency conversion services, assisting customers and business partners in resolving currency-related issues. Western Union offers currency conversion services for both retail and business customers. In recent years, Western Union has been actively adapting to the advancing digitization of the global financial industry. The company has formed various partnerships to offer digital payment services and continually improves its existing products to meet the needs of online and mobile trends. Overall, Western Union is an expanding company specializing in financial services. With its headquarters in Denver, Colorado, the company has established a worldwide network of branches and offers a wide range of products and services. Despite facing some business challenges in recent years, it remains strongly positioned and is successfully moving towards a digital and global financial system. Western Union is one of the most popular companies on Eulerpool.com.

Western Union SWOT Analysis

Strengths

1. Global presence: Western Union has a strong international network, allowing it to provide its services to customers worldwide.

2. Brand recognition: The company is a well-known and trusted brand in the money transfer industry.

3. Diverse product offerings: Western Union offers various money transfer services, including online transfers, in-person transactions, and mobile transfers, catering to different customer preferences.

Weaknesses

1. High fees: Western Union's fees for money transfers are often higher compared to its competitors, which may deter price-sensitive customers.

2. Dependence on agent network: The company heavily relies on its extensive network of agents for cash pick-ups and transfers, which could potentially lead to operational challenges or service disruptions.

3. Limited digital reach: While the company has made efforts to expand its digital capabilities, Western Union still faces strong competition from digital-only money transfer platforms and may struggle to attract tech-savvy customers.

Opportunities

1. Growing global remittance market: Increasing migration and cross-border transactions present an opportunity for Western Union to expand its customer base and capture a larger share of the remittance market.

2. Digital innovation: Investing in technology and enhancing its digital platforms can help Western Union improve customer experience, reduce costs, and compete more effectively in the digital money transfer space.

3. Partnerships and acquisitions: Collaborating with fintech companies or acquiring innovative startups can enable Western Union to access new markets and leverage emerging technologies.

Threats

1. Intense competition: Western Union faces competition from traditional banks, other money transfer companies, and digital-only platforms, which can potentially erode its market share.

2. Regulatory challenges: Compliance with evolving anti-money laundering and anti-fraud regulations in different countries poses risks and may increase operating costs for Western Union.

3. Currency exchange volatility: Fluctuations in currency exchange rates can impact the profitability of Western Union's international money transfer operations.

Western Union Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Western Union historical P/E ratio, EBIT multiple, and P/S ratio

Western Union shares outstanding

The number of shares was Western Union in 2023 — This indicates how many shares 371.8 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Western Union earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Western Union's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Western Union’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Western Union's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Western Union dividend history and estimates

In 2023, Western Union paid a dividend amounting to 0.94 USD. Dividend means that Western Union distributes a portion of its profits to its owners.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Dividend
Dividend (Estimate)
Details

Dividend

ⓘ

Dividend Overview

The dividend per year chart for Western Union provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Western Union’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Western Union's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Western Union Dividend History

DateWestern Union Dividend
2028e1.94 undefined
2027e1.94 undefined
2026e1.93 undefined
2025e1.95 undefined
2024e1.93 undefined
20230.94 undefined
20220.94 undefined
20210.94 undefined
20200.9 undefined
20190.8 undefined
20180.76 undefined
20170.7 undefined
20160.64 undefined
20150.62 undefined
20140.5 undefined
20130.5 undefined
20120.43 undefined
20110.31 undefined
20100.25 undefined
20090.06 undefined
20080.04 undefined
20070.04 undefined
20060.01 undefined

Western Union dividend payout ratio

In 2023, Western Union had a payout ratio of 46.02%. The payout ratio indicates the percentage of the company's profits that Western Union distributes as dividends.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Western Union represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Western Union could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Western Union's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Western Union Payout Ratio History

DateWestern Union Payout ratio
2028e44.21 %
2027e44.31 %
2026e44.74 %
2025e43.57 %
2024e44.61 %
202346.02 %
202240.09 %
202147.7 %
202050.28 %
201932.52 %
201840.64 %
2017-58.82 %
2016125.49 %
201538.27 %
201431.45 %
201334.97 %
201225.15 %
201116.85 %
201018.38 %
20094.96 %
20083.23 %
20073.6 %
20060.84 %
200546.02 %
200446.02 %
Unfortunately, there are currently no price targets and forecasts available for Western Union.

Western Union latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20240.46 0.44  (-4.43 %)2024 Q2
3/31/20240.42 0.45  (7.02 %)2024 Q1
12/31/20230.38 0.37  (-2.5 %)2023 Q4
9/30/20230.4 0.43  (7.9 %)2023 Q3
6/30/20230.4 0.51  (27.34 %)2023 Q2
3/31/20230.35 0.43  (23.32 %)2023 Q1
12/31/20220.36 0.32  (-10.61 %)2022 Q4
9/30/20220.44 0.42  (-3.54 %)2022 Q3
6/30/20220.42 0.51  (21.34 %)2022 Q2
3/31/20220.45 0.51  (14.22 %)2022 Q1
1
2
3
4
5
...
8

Eulerpool ESG Scorecard© for the Western Union stock

Eulerpool World ESG Rating (EESG©)

73/ 100

🌱 Environment

64

👫 Social

99

🏛️ Governance

57

Environment

Scope 1 - Direct Emissions
4,648
Scope 2 - Indirect emissions from purchased energy
8,305
Scope 3 - Indirect emissions within the value chain
—
Total CO₂ emissions
12,953
CO₂ reduction strategy
✅
Coal energy
❌
Nuclear power
❌
Animal experiments
❌
Fur & Leather
—
Pesticides
—
Palm Oil
—
Tobacco
❌
Genetically modified organisms
❌
Climate concept
—
Sustainable forestry
—
Recycling regulations
❌
Environmentally friendly packaging
❌
Hazardous substances
❌
Fuel consumption and efficiency
❌
Water consumption and efficiency
✅

Social

Percentage of female employees49
Percentage of women in management—
Percentage of Asian employees22
Share of Asian management—
Percentage of Hispanic/Latino employees19
Hispano/Latino Management share—
Percentage of Black employees3
Black Management Share—
Percentage of white employees52
White Management Share—
Adult content❌
Alcohol❌
Weapons—
Firearms
❌
Gambling❌
Military contracts❌
Human rights concept✅
Privacy concept—
Occupational health and safety✅
Catholic✅

Governance (Corporate Governance)

Environmental reporting✅
Stakeholder Engagement✅
Call Back Policies❌
Antitrust law❌

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Western Union shareholders

%
Name
Stocks
Change
Date
9.94050 % BlackRock Institutional Trust Company, N.A.33,577,007-966,67212/31/2023
5.70276 % Jupiter Asset Management Ltd.19,262,7691,408,10812/31/2023
5.66546 % Capital Research Global Investors19,136,7964,76712/31/2023
4.04000 % State Street Global Advisors (US)13,646,315321,17412/31/2023
3.69577 % AQR Capital Management, LLC12,483,558984,69712/31/2023
2.91489 % Charles Schwab Investment Management, Inc.9,845,916-36,23812/31/2023
2.58747 % T. Rowe Price Associates, Inc.8,739,9487,970,9993/31/2024
2.39421 % LSV Asset Management8,087,155160,73512/31/2023
2.28557 % Geode Capital Management, L.L.C.7,720,187107,85112/31/2023
2.10523 % Allianz Global Investors GmbH7,111,0381,319,38012/31/2023
1
2
3
4
5
...
10

Western Union Executives and Management Board

Mr. Devin Mcgranahan54
Western Union President, Chief Executive Officer, Director (since 2021)
Compensation 7.24 M
Mr. Benjamin Adams51
Western Union Chief Legal Officer, Interim Chief People Officer
Compensation 2.06 M
Mr. Matthew Cagwin48
Western Union Chief Financial Officer
Compensation 1.5 M
Mr. Jeffrey Joerres63
Western Union Non-Executive Independent Chairman of the Board
Compensation 490,000
Ms. Betsy Holden67
Western Union Independent Director
Compensation 303,000
1
2
3
4

Western Union Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
Blackhawk Network Holdings, Inc. Stock
Blackhawk Network Holdings, Inc.
SupplierCustomer--0,03-0,720,71
Talend S.A. Stock
Talend S.A.
SupplierCustomer0,84-0,11-0,210,18-0,64-
iFresh Stock
iFresh
SupplierCustomer0,610,050,04-0,210,67-
Densan System Co., Ltd. Stock
Densan System Co., Ltd.
SupplierCustomer0,60-0,250,21-0,040,80-
Elixirr International plc Stock
Elixirr International plc
SupplierCustomer0,560,530,360,20-0,77-
Yes Bank Limited Stock
Yes Bank Limited
SupplierCustomer0,550,360,250,33-0,130,25
Grupo Famsa, S.A.B. de C.V. Stock
Grupo Famsa, S.A.B. de C.V.
SupplierCustomer0,53-----
YES BANK Stock
YES BANK
SupplierCustomer0,500,350,250,33-0,130,25
Ebix Inc Stock
Ebix Inc
SupplierCustomer0,490,450,370,24-0,10-0,02
Credit Agricole Stock
Credit Agricole
SupplierCustomer0,490,270,240,340,07-0,10
1
2
3
4

Most common questions regarding Western Union

What values and corporate philosophy does Western Union represent?

Western Union Co represents values and a corporate philosophy centered around financial services and seamless money transfer. The company strives to connect people and businesses globally, fostering financial inclusion and enabling economic opportunities for individuals and communities. Western Union Co is dedicated to reliability, trust, and providing innovative solutions to meet the evolving needs of its customers. With a strong emphasis on integrity and customer-centricity, the company aims to empower individuals, support economic growth, and contribute to a more inclusive financial system. Western Union Co's commitment to service excellence and ethical practices has made it a trusted and recognized name in the industry.

In which countries and regions is Western Union primarily present?

Western Union Co is primarily present in over 200 countries and territories worldwide. It has a significant presence in North America, Europe, and Asia-Pacific regions. Additionally, it has established a strong foothold in key emerging markets like India, Brazil, Mexico, and China. With its extensive network of agent locations and digital platforms, Western Union Co enables individuals and businesses to send and receive money globally, catering to the needs of a diverse customer base across various countries and regions.

What significant milestones has the company Western Union achieved?

Western Union Co, a leading global payments and money transfer company, has achieved several significant milestones throughout its history. The company was founded in 1851 and has since grown to become a trusted name in international money transfers. Over the years, Western Union Co has expanded its services, establishing a vast network of agents and embracing digital innovation. This has allowed the company to provide convenient and secure financial solutions to individuals and businesses worldwide. With a strong commitment to customer satisfaction and a rich heritage of over 170 years, Western Union Co has cemented its position as a pioneer in the payments industry.

What is the history and background of the company Western Union?

Western Union Co is a renowned financial services and communications company. Established in 1851, Western Union has a rich history spanning over 170 years. It started as a telegraph company, providing rapid communication across continents. Over time, the company expanded its services to include money transfers, money orders, and other financial solutions. Today, Western Union is a global leader in cross-border payments, serving individuals and businesses in over 200 countries and territories. With a commitment to innovation and convenience, Western Union has adapted to the digital age, offering online and mobile platforms for seamless money transfers. Western Union Co continues to revolutionize the way we move money, enabling reliable and secure transactions worldwide.

Who are the main competitors of Western Union in the market?

The main competitors of Western Union Co in the market include MoneyGram International Inc., PayPal Holdings Inc., and Square Inc.

In which industries is Western Union primarily active?

Western Union Co is primarily active in the financial services industry.

What is the business model of Western Union?

The business model of Western Union Co revolves around its global money transfer services. As a renowned financial services company, Western Union enables individuals and businesses to send and receive money across borders. With a vast network of agent locations and digital platforms, Western Union facilitates secure and convenient transactions for millions of customers worldwide. By charging fees for its services, Western Union generates revenue and holds a strong position in the remittance industry. With its extensive reach, innovative technology, and trusted brand, Western Union Co continues to connect individuals and businesses globally through its reliable money transfer solutions.

What is the P/E ratio of Western Union 2024?

The Western Union P/E ratio is 7.19.

What is the P/S ratio of Western Union 2024?

The Western Union P/S ratio is 1.02.

What is the AlleAktien quality score of Western Union?

The AlleAktien quality score for Western Union is 3/10.

What is the revenue of Western Union 2024?

The expected Western Union revenue is 4.31 B USD.

How high is the profit of Western Union 2024?

The expected Western Union profit is 611.96 M USD.

What is the business model of Western Union

The Western Union Company is a company specialized in global money transfers. Founded in 1851, it is headquartered in Denver, Colorado, USA. Western Union has become one of the leading companies in this field and is active in over 200 countries and territories. The business model of Western Union is based on the principle of money transfer. The company offers its customers various options to send and receive money worldwide. This includes not only cash transfers, but also money transfers to bank accounts and money order deliveries. Western Union works closely with banks, post offices, and other partners to provide customers with a wide range of transfer options. Another important sector for Western Union is the "business transactions" sector. Here, the company offers special solutions for companies and organizations. For example, businesses can use it to pay salaries to their employees and business partners or receive payments for goods and services. In recent years, Western Union has also expanded its "digital transactions" sector. This includes the ability to make money transfers through the Western Union app. Customers can easily and quickly send and receive money worldwide using this service. Payment of bills and mobile phone top-ups are also possible. In addition to the various transfer options, Western Union also offers insurance products. This includes a "Send Money for Insurance" program, which offers customers a free insurance for their transaction after the money transfer. This provides them with protection against certain risks. Western Union sees itself as a company that supports its customers in sending and receiving money quickly and easily worldwide. The security and reliability of the transactions are of utmost importance. Western Union works closely with various regulatory authorities and banks to protect its customers from fraud and other risks. Overall, Western Union offers its customers a wide range of products and services to transfer money worldwide. Through close collaboration with partners and the use of state-of-the-art technology, the company is able to facilitate fast and reliable transfers. Western Union emphasizes high security and transparency to gain and maintain the trust of its customers.

What is the Western Union dividend?

Western Union pays a dividend of 0.94 USD distributed over 4 payouts per year.

How often does Western Union pay dividends?

Western Union pays out a dividend 4 times a year.

What is the Western Union ISIN?

The ISIN of Western Union is US9598021098.

What is the Western Union WKN?

The WKN of Western Union is A0LA17.

What is the Western Union ticker?

The ticker of Western Union is WU.

How much dividend does Western Union pay?

Over the past 12 months, Western Union paid a dividend of 0.94 USD . This corresponds to a dividend yield of about 7.94 %. For the coming 12 months, Western Union is expected to pay a dividend of 1.95 USD.

What is the dividend yield of Western Union?

The current dividend yield of Western Union is 7.94 %.

When does Western Union pay dividends?

Western Union pays a quarterly dividend. This is distributed in the months of January, April, July, October.

How secure is the dividend of Western Union?

Western Union paid dividends every year for the past 23 years.

What is the dividend of Western Union?

For the upcoming 12 months, dividends amounting to 1.95 USD are expected. This corresponds to a dividend yield of 16.48 %.

In which sector is Western Union located?

Western Union is assigned to the 'Information technology' sector.

Wann musste ich die Aktien von Western Union kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Western Union from 9/30/2024 amounting to 0.235 USD, you needed to have the stock in your portfolio before the ex-date on 9/16/2024.

When did Western Union pay the last dividend?

The last dividend was paid out on 9/30/2024.

What was the dividend of Western Union in the year 2023?

In the year 2023, Western Union distributed 0.94 USD as dividends.

In which currency does Western Union pay out the dividend?

The dividends of Western Union are distributed in USD.

All fundamentals about Western Union

Our stock analysis for Western Union Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Western Union Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.