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Earnings transcript
Read the complete earnings call transcript.
WU
The Western Union Company
$8.71
0.25
(2.96%)
| Exchange: | NYSE |
| Market Cap: | 2.768B |
| Shares Outstanding: | 763.9M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Devin McGranahan | |||||
| Full Time Employees: | 9100 | |||||
| Address: |
| |||||
| Website: | https://www.westernunion.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 4,357,000 | 4,209,700 | 4,041,100 |
| Gross Profit | 1,685,300 | 1,589,200 | 1,159,700 |
| EBITDA | 1,034,700 | 917,500 | 934,300 |
| Operating Income | 817,500 | 725,800 | 784,200 |
| Net Income | 626,000 | 934,200 | 499,600 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 8,198,800 | 8,370,500 | 8,305,900 |
| Total Liabilities | 7,719,800 | 7,401,600 | 7,348,100 |
| Total Stockholders Equity | 479,000 | 968,900 | 957,800 |
| Total Debt | 2,666,900 | 3,132,000 | 0 |
| Cash and Cash Equivalents | 1,764,600 | 2,105,600 | 1,234,400 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 783,100 | 406,300 | 543,700 |
| Capital Expenditure | -147,800 | -37,400 | -150,800 |
| Free Cash Flow | 635,300 | 368,900 | 392,900 |
| Net Income | 626,000 | 934,200 | 499,600 |
| Net Change in Cash | -254,500 | 320,700 | -469,200 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 3,601,946.046 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 4,040,876.657 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 3,871,600 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 880,283.879 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 987,554.653 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 946,184.930 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 521,391.781 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 605,886.373 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 573,300.001 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 728,203.080 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 816,941.395 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 782,718.844 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 1.750 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 1.850 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 1.590 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 7 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Stable Revenue Stream: Western Union (WU) demonstrates consistent revenue generation as evidenced by historical income statement data, with steady figures in recent fiscal years. This stability reflects a resilient business model in the money transfer and payment services sector.
- Strong Dividend Yield: With a competitive dividend yield (as per key metrics TTM), WU offers attractive returns to shareholders, making it a favorable option for income-focused investors within the financial services industry.
- Global Presence: Revenue from diverse geographic segments highlights WU’s expansive international footprint, providing a broad customer base and reducing dependency on any single market, as shown in revenue geo segments data.
- Positive Free Cash Flow: The cash flow statements indicate robust free cash flow (TTM), underscoring WU’s ability to generate cash after capital expenditures, which supports dividend payments and potential reinvestment in growth initiatives.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates WU intrinsic value between $15.91 – $16.05 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about WU valuation
Is The Western Union Company (WU) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for The Western Union Company (WU) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is WU a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether WU trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is WU’s P/E ratio?
You can see WU’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for WU?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is WU a good long-term investment?
Whether WU fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
WU
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Daily snapshot
2.96
Trading Metrics:
| Open: | 8.42 | Previous Close: | 8.46 | |
| Day Low: | 8.4 | Day High: | 8.72 | |
| Year Low: | 7.85 | Year High: | 10.51 | |
| Price Avg 50: | 9.44 | Price Avg 200: | 8.86 | |
| Volume: | Average Volume: |
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