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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.817
WU's Cash to Debt is ranked lower than
60% of the 707 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.34 vs. WU: 0.817 )
WU' s 10-Year Cash to Debt Range
Min: 0.41   Max: No Debt
Current: 0.82

Equity to Asset -0.329
WU's Equity to Asset is ranked lower than
113379% of the 882 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.09 vs. WU: -0.329 )
WU' s 10-Year Equity to Asset Range
Min: -0.42   Max: 0.61
Current: -0.33

-0.42
0.61
Interest Coverage 7.6
WU's Interest Coverage is ranked lower than
98% of the 882 Companies
in the Global Specialty Finance industry.

( Industry Median: 10000.00 vs. WU: 7.6 )
WU' s 10-Year Interest Coverage Range
Min: 8   Max: No Debt
Current: 7.6

F-Score: 4
Z-Score: 1.73
M-Score: -4.44
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 23.50
WU's Operating margin (%) is ranked lower than
66% of the 719 Companies
in the Global Specialty Finance industry.

( Industry Median: 28.90 vs. WU: 23.50 )
WU' s 10-Year Operating margin (%) Range
Min: 23.5   Max: 31.8
Current: 23.5

23.5
31.8
Net-margin (%) 18.1
WU's Net-margin (%) is ranked lower than
57% of the 793 Companies
in the Global Specialty Finance industry.

( Industry Median: 19.60 vs. WU: 18.1 )
WU' s 10-Year Net-margin (%) Range
Min: 16.7   Max: 23.3
Current: 18.1

16.7
23.3
ROE (%) 109.1
WU's ROE (%) is ranked higher than
100% of the 775 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.20 vs. WU: 109.1 )
WU' s 10-Year ROE (%) Range
Min: 30.4   Max: 1690.9
Current: 109.1

30.4
1690.9
ROA (%) 10.8
WU's ROA (%) is ranked higher than
99% of the 768 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.80 vs. WU: 10.8 )
WU' s 10-Year ROA (%) Range
Min: 10.8   Max: 20.1
Current: 10.8

10.8
20.1
Revenue Growth (%) 6.5
WU's Revenue Growth (%) is ranked higher than
58% of the 344 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.40 vs. WU: 6.5 )
WU' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 9.2
Current: 6.5

0
9.2
EBITDA Growth (%) 6
WU's EBITDA Growth (%) is ranked lower than
80% of the 333 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.00 vs. WU: 6 )
WU' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 12.7
Current: 6

0
12.7
EPS Growth (%) 8.7
WU's EPS Growth (%) is ranked lower than
75% of the 331 Companies
in the Global Specialty Finance industry.

( Industry Median: 16.00 vs. WU: 8.7 )
WU' s 10-Year EPS Growth (%) Range
Min: 0   Max: 10.8
Current: 8.7

0
10.8
ยป WU's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2012

WU Guru Trades in Q2 2012

John Rogers 1,055,445 sh (New)
Bernard Horn 121,400 sh (New)
Leon Cooperman 4,343,713 sh (+194.62%)
Paul Tudor Jones 54,800 sh (+37.69%)
Joel Greenblatt 359,345 sh (+36.07%)
Robert Olstein 331,000 sh (+34.55%)
Chris Davis 315,072 sh (+17.07%)
Tom Gayner 390,000 sh (+14.71%)
Manning & Napier Advisors, Inc 1,558,150 sh (+14.45%)
Bill Frels 1,467,070 sh (+8.15%)
David Dreman 170,191 sh (+1.17%)
Donald Yacktman 140,300 sh (unchged)
Jeff Auxier 97,428 sh (-0.03%)
James Barrow 4,334,635 sh (-4.91%)
Chuck Royce 13,300 sh (-43.64%)
Mark Hillman 136,186 sh (-48.92%)
Steven Cohen 60,433 sh (-89.02%)
Pioneer Investments 15,208 sh (-98.33%)
Louis Moore Bacon 25,000 sh (-98.63%)
» More
Q3 2012

WU Guru Trades in Q3 2012

Ken Fisher 471,190 sh (New)
Sarah Ketterer 1,157,365 sh (New)
Manning & Napier Advisors, Inc 13,810,197 sh (+786.32%)
John Rogers 2,874,905 sh (+172.39%)
Jeff Auxier 111,368 sh (+14.31%)
Chris Davis 324,372 sh (+2.95%)
Bill Frels 1,493,020 sh (+1.77%)
Leon Cooperman 4,375,013 sh (+0.72%)
David Dreman 170,307 sh (+0.07%)
Robert Olstein 331,000 sh (unchged)
Bernard Horn 121,400 sh (unchged)
Donald Yacktman 140,300 sh (unchged)
Chuck Royce 13,300 sh (unchged)
Louis Moore Bacon Sold Out
Tom Gayner Sold Out
Signature Select Canadian Fund Sold Out
James Barrow 3,946,335 sh (-8.96%)
Pioneer Investments 13,804 sh (-9.23%)
Mark Hillman 102,374 sh (-24.83%)
Joel Greenblatt 191,092 sh (-46.82%)
Paul Tudor Jones 14,800 sh (-72.99%)
Steven Cohen 14,651 sh (-75.76%)
» More
Q4 2012

WU Guru Trades in Q4 2012

RS Investment Management 814,390 sh (New)
Joel Greenblatt 650,673 sh (+240.5%)
Paul Tudor Jones 45,100 sh (+204.73%)
Jeff Auxier 317,500 sh (+185.09%)
Sarah Ketterer 1,976,065 sh (+70.74%)
Manning & Napier Advisors, Inc 16,938,992 sh (+22.66%)
John Rogers 3,114,408 sh (+8.33%)
Ken Fisher 506,254 sh (+7.44%)
Chris Davis 326,542 sh (+0.67%)
Bernard Horn 121,400 sh (unchged)
Steven Cohen Sold Out
Robert Olstein Sold Out
David Dreman 168,545 sh (-1.03%)
Leon Cooperman 4,263,913 sh (-2.54%)
Donald Yacktman 129,500 sh (-7.7%)
Pioneer Investments 12,530 sh (-9.23%)
Bill Frels 1,346,198 sh (-9.83%)
Chuck Royce 11,200 sh (-15.79%)
Mark Hillman 84,140 sh (-17.81%)
James Barrow 3,043,035 sh (-22.89%)
» More
Q1 2013

WU Guru Trades in Q1 2013

Steven Cohen 1,235,798 sh (New)
Jim Simons 1,772,500 sh (New)
HOTCHKIS & WILEY 968,400 sh (New)
Brian Rogers 5,500,000 sh (New)
Chuck Royce 223,400 sh (+1894.64%)
John Rogers 8,414,518 sh (+170.18%)
Bill Frels 2,543,429 sh (+88.93%)
Jeff Auxier 360,517 sh (+13.55%)
David Dreman 182,391 sh (+8.22%)
Sarah Ketterer 2,055,365 sh (+4.01%)
Chris Davis 330,772 sh (+1.3%)
Bernard Horn 121,400 sh (unchged)
Leon Cooperman Sold Out
Paul Tudor Jones Sold Out
James Barrow Sold Out
RS Investment Management Sold Out
Ken Fisher Sold Out
Mark Hillman 81,564 sh (-3.06%)
Joel Greenblatt 603,188 sh (-7.3%)
Pioneer Investments 11,320 sh (-9.66%)
Donald Yacktman 56,400 sh (-56.45%)
Manning & Napier Advisors, Inc 37,980 sh (-99.78%)
» More
» Details

Insider Trades

Latest Guru Trades with WU

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Leon Cooperman 2013-03-31 Sold Out 1.1%$13.36 - $15.04 $ 16.7118%0
James Barrow 2013-03-31 Sold Out 0.08%$13.36 - $15.04 $ 16.7118%0
Donald Yacktman 2013-03-31 Reduce -56.45%0.01%$13.36 - $15.04 $ 16.7118%56400
Joel Greenblatt 2012-12-31 Add 240.5%0.36%$11.95 - $18.46 $ 16.7115%650673
James Barrow 2012-12-31 Reduce -22.89%0.03%$11.95 - $18.46 $ 16.7115%3043035
Tom Gayner 2012-09-30 Sold Out 0.3%$16.46 - $19.1 $ 16.71-5%0
Joel Greenblatt 2012-09-30 Reduce -46.82%0.21%$16.46 - $19.1 $ 16.71-5%191092
Leon Cooperman 2012-06-30 Add 194.62%1.12%$15.94 - $18.5 $ 16.71-3%4343713
Joel Greenblatt 2012-06-30 Add 36.07%0.12%$15.94 - $18.5 $ 16.71-3%359345
Leon Cooperman 2012-03-31 New Buy0.52%$17.07 - $19.73 $ 16.71-2%1474353
Joel Greenblatt 2012-03-31 Add 228.25%0.28%$17.07 - $19.73 $ 16.71-2%264082
John Hussman 2012-03-31 Sold Out 0.26%$17.07 - $19.73 $ 16.71-2%0
Tom Gayner 2012-03-31 Add 25%0.06%$17.07 - $19.73 $ 16.71-2%340000
James Barrow 2012-03-31 Reduce -20.18%0.05%$17.07 - $19.73 $ 16.71-2%4558625
Tom Gayner 2011-12-31 Add 26.51%0.05%$14.89 - $18.47 $ 16.71-2%272000
George Soros 2011-12-31 Sold Out 0.02%$14.89 - $18.47 $ 16.71-2%0
Joel Greenblatt 2011-09-30 Add 168.68%0.14%$15.1 - $20.29 $ 16.71-4%88876
John Hussman 2011-09-30 Add 80%0.1%$15.1 - $20.29 $ 16.71-4%900000
Ron Baron 2011-09-30 Sold Out 0.0957%$15.1 - $20.29 $ 16.71-4%0
Tom Gayner 2011-09-30 Add 82.2%0.09%$15.1 - $20.29 $ 16.71-4%215000
George Soros 2011-09-30 New Buy0.02%$15.1 - $20.29 $ 16.71-4%63500
Joel Greenblatt 2011-06-30 New Buy0.09%$19.23 - $21.53 $ 16.71-18%33079
Ron Baron 2011-06-30 Reduce -48.73%0.09%$19.23 - $21.53 $ 16.71-18%859800
Tom Gayner 2011-06-30 Add 93.44%0.06%$19.23 - $21.53 $ 16.71-18%118000
George Soros 2011-06-30 Sold Out $19.23 - $21.53 $ 16.71-18%0
John Griffin 2011-03-31 Sold Out 2.86%$18.57 - $21.99 $ 16.71-19%0
James Barrow 2011-03-31 New Buy0.22%$18.57 - $21.99 $ 16.71-19%5327400
John Hussman 2011-03-31 New Buy0.17%$18.57 - $21.99 $ 16.71-19%500000
Tom Gayner 2011-03-31 Add 52.5%0.02%$18.57 - $21.99 $ 16.71-19%61000
George Soros 2011-03-31 Reduce -65.66%$18.57 - $21.99 $ 16.71-19%13700
Joel Greenblatt 2011-03-31 Sold Out $18.57 - $21.99 $ 16.71-19%0
John Griffin 2010-12-31 Add 52.3%0.98%$17.41 - $18.81 $ 16.71-8%10090000
Joel Greenblatt 2010-12-31 New Buy0.4%$17.41 - $18.81 $ 16.71-8%65956
Ron Baron 2010-12-31 Add 65.3%0.06%$17.41 - $18.81 $ 16.71-8%1493811
Tom Gayner 2010-12-31 New Buy0.04%$17.41 - $18.81 $ 16.71-8%40000
John Griffin 2010-09-30 Reduce -46.03%1.54%$14.9 - $17.65 $ 16.713%6625000
Ron Baron 2010-09-30 New Buy0.11%$14.9 - $17.65 $ 16.713%903700
George Soros 2010-09-30 Reduce -40.19%0.01%$14.9 - $17.65 $ 16.713%37500
George Soros 2010-06-30 Add 52.18%0.01%$14.94 - $19 $ 16.710%62700
John Keeley 2010-03-31 Sold Out 0.03%$15.71 - $20.13 $ 16.71-4%0
Premium More recent guru trades are included for Premium Members only!!

Guru Investment Theses on Western Union Company

John Rogers Comments on Western Union Co. - May 09, 2013

In the first quarter, we initiated a position in Western Union Co. (WU), a current holding in Ariel Appreciation Fund and Ariel Focus Fund. Western Union is the global leader in money transfer and payment services. With over 500,000 locations that serve 200 countries, the company's scale and network advantages create high barriers to entry and attractive economics. Even though money transfer volumes are recovering from the global recession, the stock trades at a historically low valuation. We view Western Union as an excellent, wide-moat franchise, with meaningful growth prospects, excellent free cash flow generation and sustainable competitive advantages that position it well for an evolutionary shift towards mobile payments.

From John Rogersโ€™ first quarter 2013 commentary.


Check out John Rogers latest stock trades

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In the first quarter, we initiated a position in Western Union Co. (WU), a current holding in Ariel Appreciation Fund and Ariel Focus Fund. Western Union is the global leader in money transfer and payment services. With over 500,000 locations that serve 200 countries, the company's scale and network advantages create high barriers to entry and attractive economics. Even though money transfer volumes are recovering from the global recession, the stock trades at a historically low valuation. We view Western Union as an excellent, wide-moat franchise, with meaningful growth prospects, excellent free cash flow generation and sustainable competitive advantages that position it well for an evolutionary shift towards mobile payments. Read more...
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In the quarter ended March 31, 2013, T. Rowe Priceโ€™s Brian Rogers purchased three new stocks for his fund: Apple (AAPL), Western Union (WU), Joy Global (JOY) and Hospira Inc. (HSP). The new equity adds came amidst a robust quarter for his equity income fund, in which it returned 11.19% versus 10.61% for the S&P 500. Read more...
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Ratios

vs
industry
vs
history
P/E(ttm) 9.90
WU's P/E(ttm) is ranked higher than
88% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.43 vs. WU: 9.90 )
WU' s 10-Year P/E(ttm) Range
Min: 5.92   Max: 26.55
Current: 9.9

5.92
26.55
P/B 10.00
WU's P/B is ranked lower than
94% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.90 vs. WU: 10.00 )
WU' s 10-Year P/B Range
Min: 6.29   Max: 2364
Current: 10

6.29
2364
P/S 1.80
WU's P/S is ranked higher than
69% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.20 vs. WU: 1.80 )
WU' s 10-Year P/S Range
Min: 1.3   Max: 5.4
Current: 1.8

1.3
5.4
PFCF 10.10
WU's PFCF is ranked lower than
62% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.70 vs. WU: 10.10 )
WU' s 10-Year PFCF Range
Min: 6.14   Max: 28.19
Current: 10.1

6.14
28.19
EV-to-EBIT 6.3
WU's EV-to-EBIT is ranked higher than
86% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 16.90 vs. WU: 6.3 )
WU' s 10-Year EV-to-EBIT Range
Min: 5.3   Max: 20.1
Current: 6.3

5.3
20.1
PEG 1.4
WU's PEG is ranked higher than
95% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.29 vs. WU: 1.4 )
WU' s 10-Year PEG Range
Min: 0.71   Max: 2.21
Current: 1.4

0.71
2.21
Shiller P/E 10.9
WU's Shiller P/E is ranked higher than
86% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.60 vs. WU: 10.9 )
WU' s 10-Year Shiller P/E Range
Min: 8.13   Max: 17.38
Current: 10.9

8.13
17.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.70
WU's Dividend Yield is ranked higher than
80% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.20 vs. WU: 2.70 )
WU' s 10-Year Dividend Yield Range
Min: 0.04   Max: 3.27
Current: 2.7

0.04
3.27
Dividend Payout 0.3
WU's Dividend Payout is ranked higher than
86% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.42 vs. WU: 0.3 )
WU' s 10-Year Dividend Payout Range
Min: 0.01   Max: 0.25
Current: 0.3

0.01
0.25
Dividend growth (3y) 63.1
WU's Dividend growth (3y) is ranked higher than
100% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: -21.50 vs. WU: 63.1 )
WU' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 66.8
Current: 63.1

0
66.8
Yield on cost (5-Year) 65.29
WU's Yield on cost (5-Year) is ranked higher than
100% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.92 vs. WU: 65.29 )
WU' s 10-Year Yield on cost (5-Year) Range
Min: 0.97   Max: 79.07
Current: 65.29

0.97
79.07
Share Buyback Rate 3.5
WU's Share Buyback Rate is ranked higher than
97% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: -1.75 vs. WU: 3.5 )
WU' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.5
Current: 3.5

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 12.5
WU's Price/Net Current Asset Value is ranked higher than
97% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.70 vs. WU: 12.5 )
WU' s 10-Year Price/Net Current Asset Value Range
Min: 10.9   Max: 309.5
Current: 12.5

10.9
309.5
Price/DCF (Projected) 0.7
WU's Price/DCF (Projected) is ranked higher than
90% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.50 vs. WU: 0.7 )
WU' s 10-Year Price/DCF (Projected) Range
Min: 0.6   Max: 1.6
Current: 0.7

0.6
1.6
Price/Median PS Value 0.7
WU's Price/Median PS Value is ranked higher than
64% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.80 vs. WU: 0.7 )
WU' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.6
Current: 0.7

0.6
1.6
Price/Peter Lynch Fair Value 1.3
WU's Price/Peter Lynch Fair Value is ranked higher than
79% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.00 vs. WU: 1.3 )
WU' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.7   Max: 1.7
Current: 1.3

0.7
1.7
Earnings Yield (Greenblatt) 15.90
WU's Earnings Yield (Greenblatt) is ranked higher than
90% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.80 vs. WU: 15.90 )
WU' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5   Max: 19
Current: 15.9

5
19
Forward Rate of Return (Yacktman) 14.25
WU's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 811 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.01 vs. WU: 14.25 )
WU' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 4   Max: 25.2
Current: 14.25

4
25.2

Business Description

The Western Union Company was incorporated in Delaware on February 17, 2006. The Company is engaged in global money transfer and payment services, providing people with fast, reliable and convenient ways to send money around the world. Its services are available through a network of over 410,000 agent locations in more than 200 countries and territories. The Company's segments are Consumer-to-consumer and Consumer-to-business. Its consumer-to-consumer money transfer service enables people to send money around the world in minutes. The Company offers consumers a variety of ways to send money. Although most remittances are sent in cash at one of its more than 410,000 agent locations worldwide, in some countries it offers the ability to send money over the internet or the telephone, using a credit or debit card. Some agent locations accept debit cards to initiate a transaction. It also offers consumers several options to receive a money transfer. While the majority of transfers are paid in cash at agent locations, in some places it offers payout directly to the receiver's bank account, to a stored-value card, to a mobile phone or through the issuance of a money order. The Company's consumer-to-business service provides consumers with flexible and convenient options for making one-time or recurring bill payments. It provides a portfolio of electronic and cash payment options that provide consumers with fast and convenient ways to make one-time or recurring payments to billers. Its other businesses not included in these segments include Western Union branded money orders available through a network of third-party agents mainly in the United States and Canada, and prepaid services. Prepaid services include a Western Union branded prepaid MasterCard(r) card sold through select agents in the United States and the internet, a Western Union branded prepaid Visa(r) card sold on the internet, and top-up services for third parties that allow consumers to pay in advance for mobile phone and other services. The Western Union(r) brand is globally recognized. The Vigo, Orlandi Valuta, Speedpay, Paymap(r), Equity Accelerator, Just in Time EFT, Western Union Quick Collect, Quick Pay, Quick Cash, Convenience Pay, Pago Facil and other trademarks and service marks are also important to the Company. Its competitors include banks, credit unions, ATM providers and operators, card associations, card-based payments providers such as issuers of e-money, travel cards or stored-value cards, informal remittance systems, web-based services, telephone payment systems, postal organizations, retailers, check cashers, mail and courier services, currency exchanges and traditional money transfer companies. The Company's business is subject to a range of laws and regulations enacted by the United States federal government, each of the states, many localities and other countries.
Company Website
SEC Reports
Industry: Specialty Finance
Compare:HKXCY, ASXFY, CIT, KFN, TREE
Traded in other countries:W3U.Germany

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