The Western Union Company (WU) 10-Year Financial Performance & Capital Metrics

WU • • Banking & Credit

Financial ServicesCredit ServicesPayment Processing & Digital PaymentsDigital Payment Platforms

AboutThe 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.Show more

Net Interest Income -$108M -20.3%
Total Revenue $4.21B -3.4%
Net Income $934M +49.2%
Return on Equity 129.04% -1.4%
Net Interest Margin -1.29% -17.8%
Efficiency Ratio 20.51% +3.0%
ROA 11.28% +50.4%
Equity / Assets 11.58% +98.1%
Book Value per Share 2.84 +120.5%
Tangible BV/Share -4.12 +13.4%
Debt/Equity 3.23 -41.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 159.5%
✓Efficient operations: 20.5% efficiency ratio
✓10 consecutive years of dividend growth
✓Well capitalized: 11.6% equity/assets
✓Share count reduced 8.3% through buybacks
✓Diversified revenue: 99.7% from non-interest income

✗Weaknesses

✗High debt to equity ratio of 3.2x
✗Weak NIM of -1.3%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-2.83%

5Y-4.47%

3Y-6.02%

TTM-

Profit (Net Income) CAGR

10Y0.92%

5Y-2.46%

3Y5.05%

TTM14.12%

EPS CAGR

10Y5.59%

5Y2.18%

3Y11.62%

TTM16.84%

ROCE

10Y Avg17.24%

5Y Avg22.93%

3Y Avg18.05%

Latest19.89%

Peer Comparison

Digital Payment Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
SEZLSezzle Inc.	2.6B	76.26	34.82	70.14%	28.96%	74.58%	1.51%	1.19
PYPLPayPal Holdings, Inc.	52.92B	56.56	14.18	6.81%	13.04%	24.34%	12.79%	0.48
WUThe Western Union Company	2.92B	9.20	3.36	-3.38%	22.19%	83.3%	12.62%	3.23
CURRCurrenc Group, Inc.	123.32M	1.61	-1.56	-12.81%	-85.01%	-138.16%	2.33%
GDOTGreen Dot Corporation	682.14M	12.28	-24.56	14.82%	-1.55%	-5.14%	1.04%	0.07

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-157M	-149M	-137.2M	-144.8M	-145.7M	-115.3M	-104.1M	-87.1M	-89.7M	-107.9M
NII Growth %	0.05%	0.05%	0.08%	-0.06%	-0.01%	0.21%	0.1%	0.16%	-0.03%	-0.2%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	10.9M	3.5M	4.9M	4.8M	6.3M	3.2M	1.4M	13.9M	15.6M	11.9M
Interest Expense	167.9M	152.5M	142.1M	149.6M	152M	118.5M	105.5M	101M	105.3M	119.8M
Loan Loss Provision	3.03B	3.11B	3.21B	3.15B	2.93B	2.71B	2.79B	2.53B	2.57B	2.5B
Non-Interest Income+	5.47B	5.42B	5.52B	5.59B	5.29B	4.83B	5.07B	4.46B	4.34B	4.2B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	5.48B	5.42B	5.52B	5.59B	5.29B	4.83B	5.07B	4.48B	4.36B	4.21B
Revenue Growth %	-0.02%	-0.01%	0.02%	0.01%	-0.05%	-0.09%	0.05%	-0.12%	-0.03%	-0.03%
Non-Interest Expense	1.17B	1.67B	1.7B	1.17B	1.27B	1.04B	1.05B	964.2M	867.8M	863.4M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.11B	483.7M	473.4M	1.12B	934M	967.3M	1.12B	884.9M	817.5M	725.8M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.03%	-0.56%	-0.02%	1.37%	-0.17%	0.04%	0.16%	-0.21%	-0.08%	-0.11%
Pretax Income+	941.8M	341.7M	347.5M	991.4M	1.32B	855.1M	935.4M	1.01B	745.8M	618.6M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	104M	88.5M	904.6M	139.5M	263.1M	110.8M	129.6M	98M	119.8M	-315.6M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	837.8M	253.2M	-557.1M	851.9M	1.06B	744.3M	805.8M	910.6M	626M	934.2M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.02%	-0.7%	-3.2%	2.53%	0.24%	-0.3%	0.08%	0.13%	-0.31%	0.49%
Net Income (Continuing)	837.8M	253.2M	-557.1M	851.9M	1.06B	744.3M	805.8M	910.6M	626M	934.2M
EPS (Diluted)+	1.62	0.51	-1.19	1.87	2.46	1.79	1.97	2.34	1.68	2.74
EPS Growth %	0.02%	-0.69%	-3.33%	2.57%	0.32%	-0.27%	0.1%	0.19%	-0.28%	0.63%
EPS (Basic)	1.63	0.52	-1.19	1.89	2.48	1.81	1.98	2.35	1.69	2.75
Diluted Shares Outstanding	516.7M	493.5M	467.9M	454.4M	430.9M	415.2M	408.9M	388.4M	371.8M	341.1M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	1.32B	877.5M	838.2M	973.4M	1.82B	2.12B	1.21B	1.29B	1.27B	1.47B
Short Term Investments	0	0	0	0	1000K	1000K	0	0	0	0
Total Investments+	43.3M	40.1M	29.1M	31.3M	1.73B	2.03B	0	210.9M	210.4M	212.9M
Investments Growth %	0.04%	-0.07%	-0.27%	0.08%	54.32%	0.17%	-1%	-	-0%	0.01%
Long-Term Investments	43.3M	40.1M	29.1M	31.3M	33M	42.2M	0	210.9M	210.4M	212.9M
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	0	0	0	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	3.16B	3.16B	2.73B	2.73B	2.57B	2.57B	2.03B	2.03B	2.03B	2.06B
Intangible Assets	705M	664.2M	586.3M	598.2M	494.9M	505M	417.1M	457.9M	213.8M	315.4M
PP&E (Net)	231.8M	220.5M	214.2M	270.4M	386.6M	339.5M	129.4M	110.3M	218M	245.3M
Other Assets	4.04B	4.5B	4.86B	4.43B	331.4M	536.6M	3.58B	4.14B	3.96B	100.4M
Total Current Assets	1.32B	877.5M	838.2M	973.4M	4.95B	5.51B	2.66B	1.55B	1.56B	5.17B
Total Non-Current Assets	8.14B	8.54B	8.39B	8.02B	3.81B	3.99B	6.16B	6.95B	6.64B	3.2B
Total Assets+	9.46B	9.42B	9.23B	9B	8.76B	9.5B	8.82B	8.5B	8.2B	8.37B
Asset Growth %	-0.04%	-0%	-0.02%	-0.03%	-0.03%	0.08%	-0.07%	-0.04%	-0.04%	0.02%
Return on Assets (ROA)	0.09%	0.03%	-0.06%	0.09%	0.12%	0.08%	0.09%	0.11%	0.07%	0.11%
Accounts Payable	606.6M	1.13B	718.5M	564.9M	601.9M	500.9M	450.2M	464M	453M	407.9M
Total Debt+	3.23B	2.79B	3.03B	3.43B	3.47B	3.3B	3.01B	2.78B	2.67B	3.13B
Net Debt	1.91B	1.91B	2.2B	2.46B	1.65B	1.18B	1.8B	1.49B	1.4B	1.66B
Long-Term Debt	3.23B	2.79B	3.03B	3.43B	2.48B	2.49B	2.73B	2.14B	2.14B	2.94B
Short-Term Debt	0	0	0	0	745M	580M	275M	480M	364.9M	65.2M
Other Liabilities	135.6M	4.11B	4.55B	4.09B	240M	490.4M	463.5M	3.61B	236M	26.4M
Total Current Liabilities	818.1M	1.54B	1.97B	1.62B	5.68B	5.91B	5.27B	1.85B	5.18B	4.09B
Total Non-Current Liabilities	7.24B	6.98B	7.75B	7.69B	3.12B	3.4B	3.2B	6.17B	2.54B	3.31B
Total Liabilities	8.05B	8.52B	9.72B	9.31B	8.8B	9.31B	8.47B	8.02B	7.72B	7.4B
Total Equity+	1.4B	2.81B	1.7B	2.15B	-39.5M	186.6M	355.6M	477.8M	479M	968.9M
Equity Growth %	0.08%	1%	-0.39%	0.26%	-1.02%	5.72%	0.91%	0.34%	0%	1.02%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.62%	0.12%	-0.25%	0.44%	1%	10.12%	2.97%	2.19%	1.31%	1.29%
Book Value per Share	2.72	5.70	3.64	4.73	-0.09	0.45	0.87	1.23	1.29	2.84
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	5M	4.8M	4.6M	4.4M	4.2M	4.1M	3.9M	3.7M	3.5M	3.4M
Additional Paid-in Capital	566.5M	640.9M	697.8M	755.6M	841.2M	885.1M	941M	995.9M	1.03B	1.07B
Retained Earnings	977.3M	419.3M	-965.9M	-838.8M	-675.9M	-543.1M	-537.2M	-353.9M	-389.1M	35.2M
Accumulated OCI	-143.9M	-162.8M	-227.9M	-231M	-209M	-159.5M	-52.1M	-167.9M	-167.3M	-140.5M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	419.3M	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	1.07B	1.04B	742M	821.3M	914.6M	877.5M	1.05B	581.6M	783.1M	406.3M
Operating CF Growth %	0.02%	-0.03%	-0.29%	0.11%	0.11%	-0.04%	0.19%	-0.44%	0.35%	-0.48%
Net Income	837.8M	253.2M	-557.1M	851.9M	1.06B	744.3M	805.8M	910.6M	626M	934.2M
Depreciation & Amortization	270.2M	263.2M	262.9M	264.7M	257.7M	225.6M	208.2M	183.8M	183.6M	179.1M
Deferred Taxes	-39.9M	-174.2M	69.5M	-15.1M	-24.5M	13.9M	-2.6M	-26.7M	-11M	-248.8M
Other Non-Cash Items	63.7M	98.3M	588.2M	66.2M	-413.7M	104.1M	211.5M	-139.4M	95.9M	123.5M
Working Capital Changes	-60.7M	601.4M	378.5M	-346.4M	36.8M	-252.1M	-177.6M	-346.7M	-111.4M	-581.7M
Cash from Investing+	-286.4M	-271.1M	-204.6M	-328.8M	167M	-113.4M	192M	525.5M	-140.8M	-16.3M
Purchase of Investments	-120.2M	-104.4M	-234.8M	-27M	-5.87B	-4.9M	-433M	-1.56B	-495.3M	-396.7M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	900K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	-24.9M	0	711.7M	49.4M	-149.1M	887.2M	0	0
Other Investing	-172.1M	-161M	-108M	-202.3M	-31.3M	-2M	-173.2M	-158.8M	-128.6M	-108.4M
Cash from Financing+	-1.25B	-1.21B	-570.5M	-357.2M	-1.48B	-773.5M	-1.27B	-1.18B	-896.8M	-69.3M
Dividends Paid	-316.5M	-312.2M	-325.6M	-341.7M	-340.8M	-370.3M	-381.6M	-364.2M	-349M	-321.5M
Share Repurchases	-511.3M	-501.6M	-502.8M	-412.4M	-552.6M	-239.7M	-409.9M	-369.9M	-308.4M	-186.2M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K
Other Financing	75.8M	35M	11.7M	900K	-381.7M	1.5M	-400.4M	-48.2M	-124.3M	5.2M
Net Change in Cash+	-467.3M	-438.4M	-33.1M	135.3M	-402.5M	-9.4M	-32.2M	-70.2M	-254.5M	320.7M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	1.78B	1.32B	877.5M	844.4M	2.23B	1.46B	2.14B	2.11B	2.04B	1.79B
Cash at End	1.32B	877.5M	844.4M	979.7M	1.82B	1.45B	2.11B	2.04B	1.79B	2.11B
Interest Paid	161.8M	159M	128M	142.5M	151.3M	109.6M	101.6M	97.2M	102.4M	114M
Income Taxes Paid	92.8M	68.4M	0	339.4M	318.9M	187.3M	185.9M	279.8M	197.4M	324.9M
Free Cash Flow+	804.6M	812.1M	564.9M	482.3M	786.9M	720.7M	830.7M	373.4M	635.3M	368.9M
FCF Growth %	-0.07%	0.01%	-0.3%	-0.15%	0.63%	-0.08%	0.15%	-0.55%	0.7%	-0.42%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	61.94%	12.01%	-24.68%	44.2%	100.27%	1011.96%	297.23%	218.53%	130.85%	129.04%
Return on Assets (ROA)	8.66%	2.68%	-5.97%	9.35%	11.92%	8.15%	8.8%	10.52%	7.5%	11.28%
Net Interest Margin	-1.66%	-1.58%	-1.49%	-1.61%	-1.66%	-1.21%	-1.18%	-1.03%	-1.09%	-1.29%
Efficiency Ratio	21.43%	30.78%	30.69%	20.88%	24.03%	21.53%	20.73%	21.54%	19.92%	20.51%
Equity / Assets	14.85%	29.84%	18.46%	23.9%	-0.45%	1.96%	4.03%	5.62%	5.84%	11.58%
Book Value / Share	2.72	5.7	3.64	4.73	-0.09	0.45	0.87	1.23	1.29	2.84
NII Growth	4.91%	5.1%	7.92%	-5.54%	-0.62%	20.86%	9.71%	16.33%	-2.99%	-20.29%
Dividend Payout	37.78%	123.3%	-	40.11%	32.2%	49.75%	47.36%	40%	55.75%	34.41%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Consumer Money Transfers	-	-	-	4.45B	4.41B	4.22B	4.39B	3.99B	4B	3.8B
Consumer Money Transfers Growth	-	-	-	-	-1.03%	-4.26%	4.12%	-9.11%	0.29%	-5.17%
Consumer Services	-	-	-	-	-	-	-	-	322.3M	411.7M
Consumer Services Growth	-	-	-	-	-	-	-	-	-	27.74%
Foreign Exchange And Payment Services	-	-	-	386.8M	388.8M	356.1M	421.8M	196.9M	29.7M	-
Foreign Exchange And Payment Services Growth	-	-	-	-	0.52%	-8.41%	18.45%	-53.32%	-84.92%	-
Consumer Bill Payments	-	-	-	652.3M	394.8M	170.3M	169.9M	197.9M	-	-
Consumer Bill Payments Growth	-	-	-	-	-39.48%	-56.86%	-0.23%	16.48%	-	-
Other Services	-	-	-	97.2M	100.7M	88.6M	85.1M	87.2M	-	-
Other Services Growth	-	-	-	-	3.60%	-12.02%	-3.95%	2.47%	-	-
Consumer-to-Consumer	8.69B	8.61B	4.35B	-	-	-	-	-	-	-
Consumer-to-Consumer Growth	-	-0.90%	-49.42%	-	-	-	-	-	-	-
Consumer-to-business	1.25B	1.24B	-	-	-	-	-	-	-	-
Consumer-to-business Growth	-	-0.64%	-	-	-	-	-	-	-	-
Business Solutions	755.9M	792M	-	-	-	-	-	-	-	-
Business Solutions Growth	-	4.78%	-	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
North America Member	-	-	-	57.4M	55.9M	1.82B	1.86B	1.7B	1.61B	1.61B
North America Member Growth	-	-	-	-	-2.61%	3157.96%	2.02%	-8.47%	-5.45%	0.03%
Europe And Cis	-	-	-	-	-	1.46B	1.53B	1.18B	983.3M	993.6M
Europe And Cis Growth	-	-	-	-	-	-	5.30%	-23.10%	-16.63%	1.05%
Middle East Africa And South Asia	-	-	-	1.5M	1.8M	631.9M	663.6M	631.3M	829.8M	665.3M
Middle East Africa And South Asia Growth	-	-	-	-	20.00%	35005.56%	5.02%	-4.87%	31.44%	-19.82%
Latin America And Caribbean	-	-	-	13.7M	15.3M	396.2M	463.1M	496.7M	521.8M	557.7M
Latin America And Caribbean Growth	-	-	-	-	11.68%	2489.54%	16.89%	7.26%	5.05%	6.88%
Asia Pacific	-	-	-	-	-	-	-	-	-	202M
Asia Pacific Growth	-	-	-	-	-	-	-	-	-	-
East Asia And Oceania	-	-	-	69.9M	68.4M	319.3M	347.2M	246M	215.1M	-
East Asia And Oceania Growth	-	-	-	-	-2.15%	366.81%	8.74%	-29.15%	-12.56%	-
Europe And Russia Cis	-	-	-	3.9M	4.1M	-	-	-	-	-
Europe And Russia Cis Growth	-	-	-	-	5.13%	-	-	-	-	-
Non Us	-	-	-	3.46B	-	-	-	-	-	-
Non Us Growth	-	-	-	-	-	-	-	-	-	-
U	-	-	-	2.13B	-	-	-	-	-	-
U Growth	-	-	-	-	-	-	-	-	-	-
International	3.9B	3.75B	3.37B	-	-	-	-	-	-	-
International Growth	-	-3.82%	-10.26%	-	-	-	-	-	-	-
UNITED STATES	1.58B	1.67B	2.16B	-	-	-	-	-	-	-
UNITED STATES Growth	-	5.57%	29.06%	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

The Western Union Company (WU) has a price-to-earnings (P/E) ratio of 3.4x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

The Western Union Company (WU) saw revenue decline by 3.4% over the past year.

Yes, The Western Union Company (WU) is profitable, generating $770.9M in net income for fiscal year 2024 (22.2% net margin).

Dividend & Returns

Yes, The Western Union Company (WU) pays a dividend with a yield of 10.24%. This makes it attractive for income-focused investors.

The Western Union Company (WU) has a return on equity (ROE) of 129.0%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

The Western Union Company (WU) has a net interest margin (NIM) of -1.3%. NIM has been under pressure due to interest rate environment.

The Western Union Company (WU) has an efficiency ratio of 20.5%. This is excellent, indicating strong cost control.

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