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Earnings transcript
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WU
The Western Union Company
$8.66
-0.22
(-2.48%)
| Exchange: | NYSE |
| Market Cap: | 2.706B |
| Shares Outstanding: | 763.9M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Devin McGranahan | |||||
| Full Time Employees: | 9600 | |||||
| Address: |
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| Website: | https://www.westernunion.com |
Western Union operates as a global financial services provider, specializing in fund transfers and diverse payment solutions. The company’s operations are divided into two main segments: Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer division enables individuals to send money to other individuals, primarily leveraging an extensive network of independent agents and sub-agents. This service covers both international transfers across borders and domestic transactions within a single country, as well as digital transfers facilitated through its websites and mobile applications. Conversely, the Business Solutions segment offers payment and foreign exchange services tailored for small and medium-sized businesses, various organizations, and even individuals. These services predominantly involve cross-border and cross-currency transactions and include financial tools like foreign currency forward and option contracts. Additionally, the company provides bill payment services, allowing individual customers to make payments to businesses and other organizations, alongside offering money orders and other related financial services. Western Union was founded in 1851 and its corporate headquarters are located 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 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 3,664,437.052 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 3,993,704.794 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 3,886,400 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 895,556.130 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 976,026.265 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 949,801.919 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 530,734.933 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 593,876.557 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 573,300.001 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 740,836.846 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 807,404.691 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 785,710.951 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 1.750 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 1.810 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 1.620 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 4 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 2 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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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.
[intrinsic_calculator]
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
-2.48
Trading Metrics:
| Open: | 8.64 | Previous Close: | 8.88 | |
| Day Low: | 8.46 | Day High: | 8.74 | |
| Year Low: | 6.91 | Year High: | 10.35 | |
| Price Avg 50: | 7.96 | Price Avg 200: | 8.83 | |
| Volume: | 10.4M | Average Volume: | 8.589M |
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Login — it's freeWU full analysis
Welcome to MARKETSNAP’s SWOT analysis for Western Union, a name many of you are likely familiar with in the world of money transfers. Today, we’re diving deep into what makes this company tick, breaking down its strengths, weaknesses, opportunities, and threats, all while keeping an eye on what this means for you as a long-term investor. So, grab a coffee, let’s unpack this together, and see if Western Union still has that golden touch for your portfolio. First, for those…
