Western Union Co Stock Today

WU Stock  USD 13.30  0.28  2.15%   

Performance

6 of 100

 
Weak
 
Strong
Modest

Odds Of Distress

Less than 1

 
High
 
Low
Very Small
Western Union is selling for under 13.30 as of the 23rd of April 2024; that is 2.15 percent increase since the beginning of the trading day. The stock's last reported lowest price was 13.01. Western Union has a very small chance of experiencing financial distress in the next few years but had a somewhat modest performance during the last 90 days. Equity ratings for Western Union Co are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 24th of March 2024 and ending today, the 23rd of April 2024. Click here to learn more.
Business Domain
Software & Services
IPO Date
2nd of October 2006
Category
Financial Services
Classification
Information Technology
The Western Union Company provides money movement and payment services worldwide. The company was founded in 1851 and is headquartered in Denver, Colorado. Western Union operates under Credit Services classification in the United States and is traded on New York Stock Exchange. The company has 340.37 M outstanding shares of which 21.16 M shares are at this time sold short in the market by investors with about 5.2 days to cover all shorted shares. More on Western Union Co

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Western Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. Western Union's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding Western Union or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary, Western Union's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Western Union's managers, analysts, and investors.
Environment Score
Governance Score
Social Score
CEOHikmet Ersek
Thematic Ideas
(View all Themes)
Business ConcentrationData Processing & Outsourced Services, Software & Services, Information Technology, NYSE Composite, SP Midcap 400, Banks, Business Services, Information Technology, IT Services, Credit Services, Financial Services (View all Sectors)
Average Analyst Recommendation
Analysts covering Western Union report their recommendations after researching Western Union's financial statements, talking to executives and customers, or listening in on Western Union's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering Western Union. The Western consensus assessment is calculated by taking the average forecast from all of the analysts covering Western Union.
Financial Strength
Based on the analysis of Western Union's profitability, liquidity, and operating efficiency, Western Union Co is performing exceptionally good at this time. It has a great probability to report excellent financial results in May. Financial strength of Western Union is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
Current ValueLast YearChange From Last Year 10 Year Trend
Asset Turnover0.760.5314
Way Up
Slightly volatile
Gross Profit Margin0.460.3447
Significantly Up
Slightly volatile
Total Current Liabilities5.5 B5.2 B
Sufficiently Up
Slightly volatile
Non Current Liabilities Total2.4 B2.5 B
Notably Down
Very volatile
Total Assets8.2 B8.2 B
Slightly Down
Pretty Stable
Total Current Assets5.5 B5.2 B
Sufficiently Up
Pretty Stable
Total Cash From Operating Activities766.9 M783.1 M
Fairly Down
Slightly volatile
Western Union's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to Western Union's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Western Union's bond ratings measure its overall creditworthiness, which in many ways corresponds to the cost of borrowing for an issuer. These ratings assign a letter grade to all of Western Union's outstanding corporate bonds that indicate their credit quality. We use reports published by private self-sufficient rating services such as Standard & Poor's or Fitch Ratings Inc. to evaluate a bond issuer's financial strength or its ability to pay a bond's principal and interest.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Western Union's financial leverage. It provides some insight into what part of Western Union's total assets is financed by creditors.
By using current balance sheet information, investors can analyze the liability, assets, and equity on Western Union's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how Western Union deploys its capital and how much of that capital is borrowed.
Liquidity
Western Union cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company reports 2.5 B of total liabilities with total debt to equity ratio (D/E) of 4.94, which implies that the company may not be able to produce enough cash to satisfy its debt commitments. Western Union has a current ratio of 0.44, implying that it has not enough working capital to pay out debt commitments in time. Debt can assist Western Union until it has trouble settling it off, either with new capital or with free cash flow. So, Western Union's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Western Union sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Western to invest in growth at high rates of return. When we think about Western Union's use of debt, we should always consider it together with cash and equity.

Begin Period Cash Flow

1.49 Billion
Western Union Co (WU) is traded on New York Stock Exchange in USA. It is located in 7001 East Belleview Avenue, Denver, CO, United States, 80237 and employs 9,000 people. Western Union is listed under Data Processing & Outsourced Services category by Fama And French industry classification. The company currently falls under 'Mid-Cap' category with a market capitalization of 4.43 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Western Union's market, we take the total number of its shares issued and multiply it by Western Union's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. Western Union is active under IT Services sector as part of Information Technology industry. The entity has 340.37 M outstanding shares of which 21.16 M shares are at this time sold short in the market by investors with about 5.2 days to cover all shorted shares. Western Union Co reports about 1.29 B in cash with 783.1 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 3.05.
Check Western Union Probability Of Bankruptcy
Ownership Allocation
Western Union Co retains a total of 340.37 Million outstanding shares. The majority of Western Union outstanding shares are owned by institutional investors. These institutions are usually referred to as non-private investors looking to purchase positions in Western Union to benefit from reduced commissions. Consequently, other corporate entities are subject to a different set of regulations than regular investors in Western Union Co. Please pay attention to any change in the institutional holdings of Western Union as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company shows, if the real value of the company is less than the current market value, you may not be able to make money on it.
Check Western Ownership Details

Western Stock Price Odds Analysis

Attributed to a normal probability distribution, the odds of Western Union jumping above the current price in 90 days from now is about 30.05%. The Western Union Co probability density function shows the probability of Western Union stock to fall within a particular range of prices over 90 days. Allowing for the 90-day total investment horizon Western Union has a beta of 0.998. This entails Western Union Co market returns are related to returns on the market. As the market goes up or down, Western Union is expected to follow. Additionally, western Union Co has an alpha of 0.0699, implying that it can generate a 0.0699 percent excess return over NYSE Composite after adjusting for the inherited market risk (beta).
  Odds Below 13.3HorizonTargetOdds Above 13.3
69.74%90 days
 13.30 
30.05%
Based on a normal probability distribution, the odds of Western Union to move above the current price in 90 days from now is about 30.05 (This Western Union Co probability density function shows the probability of Western Stock to fall within a particular range of prices over 90 days) .

Western Stock Institutional Holders

Institutional Holdings refers to the ownership stake in Western Union that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Western Union's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Western Union's value.
InstituionRecorded OnShares
Allianz Asset Management Ag2023-12-31
7.5 M
Schroder Investment Management Group2023-12-31
M
Discerene Group Lp2023-12-31
M
Marshall Wace Asset Management Ltd2023-12-31
M
Bank Of New York Mellon Corp2023-12-31
M
Dimensional Fund Advisors, Inc.2023-12-31
4.5 M
Morgan Stanley - Brokerage Accounts2023-12-31
4.3 M
Amvescap Plc.2023-12-31
3.3 M
Goldman Sachs Group Inc2023-12-31
3.3 M
Vanguard Group Inc2023-12-31
40.9 M
Blackrock Inc2023-12-31
36.6 M
View Western Union Diagnostics

Western Union Historical Income Statement

Western Union Co Income Statement is one of the three primary financial statements used for reporting Western's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of Western Union revenue and expense. Western Union Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At this time, Western Union's Income Tax Expense is comparatively stable compared to the past year. Interest Expense is likely to gain to about 133.5 M in 2024, whereas Net Income is likely to drop slightly above 592.6 M in 2024. View More Fundamentals

Western Stock Against Markets

Picking the right benchmark for Western Union stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in Western Union stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for Western Union is critical whether you are bullish or bearish towards Western Union Co at a given time. Please also check how Western Union's historical prices are related to one of the top price index indicators.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Western Union without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Western Union Corporate Directors

Western Union corporate directors refer to members of a Western Union board of directors. The board of directors generally takes responsibility for the Western Union's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of Western Union's board members must vote for the resolution. The Western Union board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Angela SunIndependent DirectorProfile
Robert SelanderDirectorProfile
Linda LevinsonIndependent DirectorProfile
SolomonIndependent DirectorProfile

How to buy Western Stock?

Before investing in Western Union, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in Western Union. To buy Western Union stock, you can follow these steps:
  • Choose a brokerage firm: You need to select a brokerage firm to buy shares of Western Union. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
  • Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
  • Fund your account: You will need to deposit funds into your brokerage account to purchase Western Union stock. You can do this by transferring funds from your bank account or other investment accounts.
  • Place your order: Once you have located Western Union Co stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
  • Monitor your investment: After you have purchased Western Union Co stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as Western Union Co, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy Western Stock please use our How to Invest in Western Union guide.

Already Invested in Western Union Co?

The danger of trading Western Union Co is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Western Union is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Western Union. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Western Union is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether Western Union is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Western Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Western Union Co Stock. Highlighted below are key reports to facilitate an investment decision about Western Union Co Stock:
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in Western Union Co. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in employment.
You can also try the Pattern Recognition module to use different Pattern Recognition models to time the market across multiple global exchanges.

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When running Western Union's price analysis, check to measure Western Union's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Western Union is operating at the current time. Most of Western Union's value examination focuses on studying past and present price action to predict the probability of Western Union's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Western Union's price. Additionally, you may evaluate how the addition of Western Union to your portfolios can decrease your overall portfolio volatility.
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Is Western Union's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Western Union. If investors know Western will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Western Union listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.46)
Dividend Share
0.94
Earnings Share
1.68
Revenue Per Share
11.75
Quarterly Revenue Growth
(0.04)
The market value of Western Union is measured differently than its book value, which is the value of Western that is recorded on the company's balance sheet. Investors also form their own opinion of Western Union's value that differs from its market value or its book value, called intrinsic value, which is Western Union's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Western Union's market value can be influenced by many factors that don't directly affect Western Union's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Western Union's value and its price as these two are different measures arrived at by different means. Investors typically determine if Western Union is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Western Union's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.