Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
WU
HoldUnloved QualityFLAGThe Western Union Company · Financial Services · United States · $2.3B · Avg Vol: $76M/d
Western Union has quality Q61 and value V71 with a buyback on file, but momentum at M41 is below the calibrated floor, and insiders sold, so stage one fails.
COMPANY DESCRIPTION
The Western Union Company is a global leader in cross-border, cross-currency money movement and payment services, enabling consumers and businesses to send and receive money worldwide. Its primary competitive moat is its unparalleled physical agent network, spanning hundreds of thousands of locations globally, offering crucial access for cash-based transactions. While maintaining its traditional strength, Western Union is also actively expanding its digital platform and mobile capabilities to adapt to evolving customer preferences.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.5B | 4.4B | 4.2B | 4.1B | -3.3% | 4.0B | 4.1B | 4.4B | 3.7% |
| EPS | 2.35 | 1.69 | 2.75 | 1.53 | -13.3% | 1.24 | 1.13 | 1.32 | -7.1% |
| Shares | 373.5M | 350.5M | 337.9M | 315.7M | -15.5% | 311.9M | — | — | — |
| Debt | 2.6B | 2.7B | 3.1B | 3.1B | 5.9% | 2.7B | — | — | — |
| Equity | 477.8M | 479.0M | 968.9M | 957.8M | 26.1% | — | — | — | — |
| Op CF | 581.6M | 783.1M | 406.3M | 543.7M | -2.2% | 609.7M | — | — | — |
| Inv CF | 525.5M | -140.8M | -16.3M | -230.3M | — | — | — | — | — |
| Fin CF | -1.2B | -896.8M | -69.3M | -782.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of WU are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| WU | The Western Union Company(you) | $2.3B | 54 | Hold |
| AGM | Federal Agricultural Mortgage Corporation | $2.4B | 40 | Hold |
| OMF | OneMain Holdings, Inc. | $7.2B | 55 | Hold |
| EZPW | EZCORP, Inc. | $2.0B | 77 | Buy |
| ENVA | Enova International, Inc. | $5.8B | 61 | Hold |
| BFH | Bread Financial Holdings, Inc. | $4.1B | 69 | Buy |
| SLM | SLM Corporation | $5.0B | 43 | Hold |
| WRLD | World Acceptance Corporation | $878M | 62 | Hold |
| ECPG | Encore Capital Group, Inc. | $2.1B | 84 | Strong Buy |
| ATLC | Atlanticus Holdings Corporation | $1.4B | 78 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%