The Western Union Co Logo

The Western Union Co

W3U.DE

(1.8)
Stock Price

10,27 EUR

10.45% ROA

120.48% ROE

6.69x PER

Market Cap.

3.821.154.331,03 EUR

597.96% DER

8.31% Yield

13.64% NPM

The Western Union Co Stock Analysis

The Western Union Co Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Western Union Co Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (131.84%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 ROA

The stock's ability to make a lot of money from its assets shows that it is very profitable, making it a good choice for people who want to invest and make a lot of money.

3 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

4 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (53) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

5 PBV

The stock's high Price-to-Book Value (P/BV) ratio (7.54x) suggests it's overvalued, potentially making it an expensive investment.

6 DER

The company has a high debt to equity ratio (404%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

7 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

8 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

9 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

The Western Union Co Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Western Union Co Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

The Western Union Co Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Western Union Co Revenue
Year Revenue Growth
2001 2.314.400.000
2002 2.743.400.000 15.64%
2003 3.151.600.000 12.95%
2004 3.547.600.000 11.16%
2005 3.987.900.000 11.04%
2006 4.470.200.000 10.79%
2007 4.900.200.000 8.78%
2008 5.282.000.000 7.23%
2009 5.083.600.000 -3.9%
2010 5.192.700.000 2.1%
2011 5.491.400.000 5.44%
2012 5.664.800.000 3.06%
2013 5.542.000.000 -2.22%
2014 5.607.200.000 1.16%
2015 5.483.700.000 -2.25%
2016 5.422.900.000 -1.12%
2017 5.524.300.000 1.84%
2018 5.589.900.000 1.17%
2019 5.292.100.000 -5.63%
2020 4.835.000.000 -9.45%
2021 5.070.800.000 4.65%
2022 4.475.500.000 -13.3%
2023 4.391.200.000 -1.92%
2023 4.357.000.000 -0.78%
2024 4.265.600.000 -2.14%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Western Union Co Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Western Union Co General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 599.800.000 100%
2006 728.300.000 17.64%
2007 769.800.000 5.39%
2008 834.000.000 7.7%
2009 926.000.000 9.94%
2010 914.200.000 -1.29%
2011 1.004.400.000 8.98%
2012 1.140.600.000 11.94%
2013 1.199.600.000 4.92%
2014 1.169.300.000 -2.59%
2015 1.174.900.000 0.48%
2016 1.669.200.000 29.61%
2017 1.231.500.000 -35.54%
2018 1.167.000.000 -5.53%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Western Union Co EBITDA
Year EBITDA Growth
2001 2.407.300.000
2002 2.743.400.000 12.25%
2003 3.151.600.000 12.95%
2004 3.547.600.000 11.16%
2005 1.298.100.000 -173.29%
2006 1.413.600.000 8.17%
2007 1.435.900.000 1.55%
2008 1.544.200.000 7.01%
2009 1.446.300.000 -6.77%
2010 1.478.800.000 2.2%
2011 1.582.800.000 6.57%
2012 1.594.000.000 0.7%
2013 1.386.600.000 -14.96%
2014 1.418.900.000 2.28%
2015 1.378.700.000 -2.92%
2016 752.900.000 -83.12%
2017 1.209.400.000 37.75%
2018 1.405.700.000 13.96%
2019 1.206.500.000 -16.51%
2020 1.199.200.000 -0.61%
2021 1.249.100.000 3.99%
2022 1.045.100.000 -19.52%
2023 1.037.200.000 -0.76%
2023 1.016.700.000 -2.02%
2024 969.600.000 -4.86%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Western Union Co Gross Profit
Year Gross Profit Growth
2001 2.314.400.000
2002 2.743.400.000 15.64%
2003 3.151.600.000 12.95%
2004 3.547.600.000 11.16%
2005 1.869.000.000 -89.81%
2006 2.039.700.000 8.37%
2007 2.091.800.000 2.49%
2008 2.189.000.000 4.44%
2009 2.208.700.000 0.89%
2010 2.214.300.000 0.25%
2011 2.389.400.000 7.33%
2012 2.470.600.000 3.29%
2013 2.307.000.000 -7.09%
2014 2.309.800.000 0.12%
2015 2.284.300.000 -1.12%
2016 2.152.900.000 -6.1%
2017 2.168.900.000 0.74%
2018 2.289.100.000 5.25%
2019 2.205.600.000 -3.79%
2020 2.008.500.000 -9.81%
2021 2.174.400.000 7.63%
2022 1.849.100.000 -17.59%
2023 1.642.400.000 -12.59%
2023 1.685.300.000 2.55%
2024 1.610.000.000 -4.68%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Western Union Co Net Profit
Year Net Profit Growth
2001 407.900.000
2002 494.100.000 17.45%
2003 633.700.000 22.03%
2004 751.600.000 15.69%
2005 927.400.000 18.96%
2006 914.000.000 -1.47%
2007 857.300.000 -6.61%
2008 919.000.000 6.71%
2009 848.800.000 -8.27%
2010 909.900.000 6.72%
2011 1.165.400.000 21.92%
2012 1.025.900.000 -13.6%
2013 798.400.000 -28.49%
2014 852.400.000 6.34%
2015 837.800.000 -1.74%
2016 253.200.000 -230.88%
2017 -557.100.000 145.45%
2018 851.900.000 165.39%
2019 1.058.300.000 19.5%
2020 744.300.000 -42.19%
2021 805.800.000 7.63%
2022 910.600.000 11.51%
2023 684.000.000 -33.13%
2023 626.000.000 -9.27%
2024 564.000.000 -10.99%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Western Union Co Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 1
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 2 0%
2012 2 0%
2013 1 0%
2014 2 0%
2015 2 0%
2016 1 0%
2017 -1 100%
2018 2 200%
2019 2 50%
2020 2 -100%
2021 2 0%
2022 2 50%
2023 0 0%
2023 2 100%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Western Union Co Free Cashflow
Year Free Cashflow Growth
2001 526.100.000
2002 607.500.000 13.4%
2005 937.800.000 35.22%
2006 906.600.000 -3.44%
2007 911.400.000 0.53%
2008 1.183.000.000 22.96%
2009 1.146.500.000 -3.18%
2010 880.700.000 -30.18%
2011 1.012.400.000 13.01%
2012 917.100.000 -10.39%
2013 847.300.000 -8.24%
2014 866.900.000 2.26%
2015 804.600.000 -7.74%
2016 812.100.000 0.92%
2017 558.700.000 -45.36%
2018 482.300.000 -15.84%
2019 786.900.000 38.71%
2020 720.700.000 -9.19%
2021 830.700.000 13.24%
2022 373.400.000 -122.47%
2023 227.500.000 -64.13%
2023 635.300.000 64.19%
2024 -63.200.000 1105.22%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Western Union Co Operating Cashflow
Year Operating Cashflow Growth
2001 526.100.000
2002 607.500.000 13.4%
2005 1.002.800.000 39.42%
2006 1.108.900.000 9.57%
2007 1.103.500.000 -0.49%
2008 1.253.900.000 11.99%
2009 1.218.100.000 -2.94%
2010 994.400.000 -22.5%
2011 1.174.900.000 15.36%
2012 1.185.300.000 0.88%
2013 1.088.600.000 -8.88%
2014 1.045.900.000 -4.08%
2015 1.071.100.000 2.35%
2016 1.041.900.000 -2.8%
2017 735.800.000 -41.6%
2018 821.300.000 10.41%
2019 914.600.000 10.2%
2020 877.500.000 -4.23%
2021 1.045.300.000 16.05%
2022 581.600.000 -79.73%
2023 254.600.000 -128.44%
2023 783.100.000 67.49%
2024 -33.800.000 2416.86%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Western Union Co Capital Expenditure
Year Capital Expenditure Growth
2001 0
2002 0 0%
2005 65.000.000 100%
2006 202.300.000 67.87%
2007 192.100.000 -5.31%
2008 70.900.000 -170.94%
2009 71.600.000 0.98%
2010 113.700.000 37.03%
2011 162.500.000 30.03%
2012 268.200.000 39.41%
2013 241.300.000 -11.15%
2014 179.000.000 -34.8%
2015 266.500.000 32.83%
2016 229.800.000 -15.97%
2017 177.100.000 -29.76%
2018 339.000.000 47.76%
2019 127.700.000 -165.47%
2020 156.800.000 18.56%
2021 214.600.000 26.93%
2022 208.200.000 -3.07%
2023 27.100.000 -668.27%
2023 147.800.000 81.66%
2024 29.400.000 -402.72%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Western Union Co Equity
Year Equity Growth
2001 1.343.400.000
2002 1.470.700.000 8.66%
2005 2.811.800.000 47.7%
2006 -314.800.000 993.2%
2007 50.700.000 720.91%
2008 -8.100.000 725.93%
2009 353.500.000 102.29%
2010 582.700.000 39.33%
2011 894.800.000 34.88%
2012 940.600.000 4.87%
2013 1.104.700.000 14.85%
2014 1.300.400.000 15.05%
2015 1.404.900.000 7.44%
2016 902.200.000 -55.72%
2017 -491.400.000 283.6%
2018 -309.800.000 -58.62%
2019 -39.500.000 -684.3%
2020 186.600.000 121.17%
2021 355.600.000 47.53%
2022 477.800.000 25.58%
2023 613.600.000 22.13%
2023 479.000.000 -28.1%
2024 440.800.000 -8.67%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Western Union Co Assets
Year Assets Growth
2001 2.189.800.000
2002 2.469.700.000 11.33%
2005 4.606.400.000 46.39%
2006 5.321.100.000 13.43%
2007 5.784.200.000 8.01%
2008 5.578.300.000 -3.69%
2009 7.353.400.000 24.14%
2010 7.929.200.000 7.26%
2011 9.069.900.000 12.58%
2012 9.465.700.000 4.18%
2013 10.121.300.000 6.48%
2014 9.890.400.000 -2.33%
2015 9.458.900.000 -4.56%
2016 9.419.600.000 -0.42%
2017 9.231.400.000 -2.04%
2018 8.996.800.000 -2.61%
2019 8.758.500.000 -2.72%
2020 9.496.300.000 7.77%
2021 8.823.500.000 -7.63%
2022 8.496.300.000 -3.85%
2023 7.913.700.000 -7.36%
2023 8.198.800.000 3.48%
2024 7.971.300.000 -2.85%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Western Union Co Liabilities
Year Liabilities Growth
2001 846.400.000
2002 999.000.000 15.28%
2005 1.794.600.000 44.33%
2006 5.635.900.000 68.16%
2007 5.733.500.000 1.7%
2008 5.586.400.000 -2.63%
2009 6.999.900.000 20.19%
2010 7.346.500.000 4.72%
2011 8.175.100.000 10.14%
2012 8.525.100.000 4.11%
2013 9.016.600.000 5.45%
2014 8.590.000.000 -4.97%
2015 8.054.000.000 -6.66%
2016 8.517.400.000 5.44%
2017 9.722.800.000 12.4%
2018 9.306.600.000 -4.47%
2019 8.798.000.000 -5.78%
2020 9.309.700.000 5.5%
2021 8.467.900.000 -9.94%
2022 8.018.500.000 -5.6%
2023 7.300.100.000 -9.84%
2023 7.719.800.000 5.44%
2024 7.530.500.000 -2.51%

The Western Union Co Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
12.4
Net Income per Share
1.69
Price to Earning Ratio
6.69x
Price To Sales Ratio
0.9x
POCF Ratio
6.72
PFCF Ratio
8.36
Price to Book Ratio
8.83
EV to Sales
1.17
EV Over EBITDA
5.2
EV to Operating CashFlow
8.61
EV to FreeCashFlow
10.92
Earnings Yield
0.15
FreeCashFlow Yield
0.12
Market Cap
3,82 Bil.
Enterprise Value
4,99 Bil.
Graham Number
6.98
Graham NetNet
-9.93

Income Statement Metrics

Net Income per Share
1.69
Income Quality
1
ROE
1.2
Return On Assets
0.07
Return On Capital Employed
0.3
Net Income per EBT
0.85
EBT Per Ebit
0.91
Ebit per Revenue
0.18
Effective Tax Rate
0.15

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.38
Operating Profit Margin
0.18
Pretax Profit Margin
0.16
Net Profit Margin
0.14

Dividends

Dividend Yield
0.08
Dividend Yield %
8.31
Payout Ratio
0.57
Dividend Per Share
0.94

Operating Metrics

Operating Cashflow per Share
1.68
Free CashFlow per Share
1.33
Capex to Operating CashFlow
0.21
Capex to Revenue
0.03
Capex to Depreciation
0.66
Return on Invested Capital
0.21
Return on Tangible Assets
0.1
Days Sales Outstanding
152.05
Days Payables Outstanding
51.89
Days of Inventory on Hand
-33.92
Receivables Turnover
2.4
Payables Turnover
7.03
Inventory Turnover
-10.76
Capex per Share
0.36

Balance Sheet

Cash per Share
8,45
Book Value per Share
1,28
Tangible Book Value per Share
-5.71
Shareholders Equity per Share
1.28
Interest Debt per Share
7.99
Debt to Equity
5.98
Debt to Assets
0.33
Net Debt to EBITDA
1.22
Current Ratio
0.86
Tangible Asset Value
-1,96 Bil.
Net Current Asset Value
-2,85 Bil.
Invested Capital
1693700000
Working Capital
-0,79 Bil.
Intangibles to Total Assets
0.3
Average Receivables
1,80 Bil.
Average Payables
0,38 Bil.
Average Inventory
-242199999
Debt to Market Cap
0.69

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Western Union Co Dividends
Year Dividends Growth
2010 0
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2019 0 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 0 0%
2024 1 0%

The Western Union Co Profile

About The Western Union Co

The Western Union Co. is a holding company, which engages in the provision of money transfer and payment services. The company is headquartered in Denver, Colorado and currently employs 12,000 full-time employees. The firm operates through two segments: Consumer-to-Consumer and Business Solutions. The firm's Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents. The firm's multi-currency, real-time money transfer services are viewed by the Company as one interconnected network where a money transfer can be sent from one location to another, around the world. Western Union's Business Solutions segment facilitates payment and foreign exchange solutions, primarily cross-border, cross-currency transactions, for small and medium size enterprises and individuals. Business Solutions payment transactions are conducted through various channels, including the phone and via the Internet.

CEO
Mr. Devin B. McGranahan
Employee
9.000
Address
7001 E Belleview Ave
Denver,

The Western Union Co Executives & BODs

The Western Union Co Executives & BODs
# Name Age
1 Mr. Matthew Cagwin
Executive Vice President & Chief Financial Officer
70
2 Mr. Giovanni Angelini
President of Europe & Africa
70
3 Mr. Benjamin Hawksworth
Chief Technology Officer
70
4 Mr. Andrew D. Walker
Executive Vice President & Chief Operations Officer
70
5 Mr. Tom Hadley
Head of Investor Relations
70
6 Mr. Bob Rupczynski
Chief Marketing Officer
70
7 Mr. Benjamin Carlton Adams
Executive Vice President & Chief Legal Officer
70
8 Mr. Mark T. Hinsey
Chief Accounting Officer & Controller
70
9 Ms. Cherie Axelrod
Executive Vice President and Chief Risk & Compliance Officer
70
10 Mr. Devin B. McGranahan
President, Chief Executive Officer & Director
70

The Western Union Co Competitors