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GuruFocus Financial Strength Rank measures how strong a company’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 : 7/10

vs
industry
vs
history
Cash to Debt 0.82
WU's Cash to Debt is ranked lower than
58% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 8.67 vs. WU: 0.82 )
Ranked among companies with meaningful Cash to Debt only.
WU' s 10-Year Cash to Debt Range
Min: 0.37  Med: 0.96 Max: N/A
Current: 0.82
Equity to Asset 0.13
WU's Equity to Asset is ranked lower than
84% of the 182 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. WU: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
WU' s 10-Year Equity to Asset Range
Min: -0.11  Med: 0.06 Max: 0.65
Current: 0.13
-0.11
0.65
Interest Coverage 6.46
WU's Interest Coverage is ranked lower than
57% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 14.04 vs. WU: 6.46 )
Ranked among companies with meaningful Interest Coverage only.
WU' s 10-Year Interest Coverage Range
Min: 5.66  Med: 7.91 Max: 9999.99
Current: 6.46
5.66
9999.99
F-Score: 8
Z-Score: 1.76
M-Score: -2.56
WACC vs ROIC
11.63%
133.04%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 : 8/10

vs
industry
vs
history
Operating margin (%) 20.04
WU's Operating margin (%) is ranked lower than
51% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. WU: 20.04 )
Ranked among companies with meaningful Operating margin (%) only.
WU' s 10-Year Operating margin (%) Range
Min: 19.98  Med: 25.44 Max: 31.83
Current: 20.04
19.98
31.83
Net-margin (%) 15.28
WU's Net-margin (%) is ranked lower than
52% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 16.58 vs. WU: 15.28 )
Ranked among companies with meaningful Net-margin (%) only.
WU' s 10-Year Net-margin (%) Range
Min: 14.41  Med: 17.82 Max: 23.26
Current: 15.28
14.41
23.26
ROE (%) 68.37
WU's ROE (%) is ranked higher than
97% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.38 vs. WU: 68.37 )
Ranked among companies with meaningful ROE (%) only.
WU' s 10-Year ROE (%) Range
Min: 35.12  Med: 86.18 Max: 4314.55
Current: 68.37
35.12
4314.55
ROA (%) 8.48
WU's ROA (%) is ranked higher than
81% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. WU: 8.48 )
Ranked among companies with meaningful ROA (%) only.
WU' s 10-Year ROA (%) Range
Min: 8.15  Med: 14.58 Max: 51.32
Current: 8.48
8.15
51.32
ROC (Joel Greenblatt) (%) 546.03
WU's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 217 Companies
in the Global Credit Services industry.

( Industry Median: 12.98 vs. WU: 546.03 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
WU' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 315.75  Med: 653.24 Max: 749.95
Current: 546.03
315.75
749.95
Revenue Growth (3Y)(%) 6.50
WU's Revenue Growth (3Y)(%) is ranked higher than
53% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. WU: 6.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WU' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 8.50 Max: 13.1
Current: 6.5
0
13.1
EBITDA Growth (3Y)(%) 0.50
WU's EBITDA Growth (3Y)(%) is ranked higher than
53% of the 169 Companies
in the Global Credit Services industry.

( Industry Median: -3.00 vs. WU: 0.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WU' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 3.60 Max: 17.9
Current: 0.5
0
17.9
EPS Growth (3Y)(%) -4.80
WU's EPS Growth (3Y)(%) is ranked lower than
60% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. WU: -4.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WU' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: 0.80 Max: 23
Current: -4.8
0
23
» WU's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

WU Guru Trades in Q3 2014

John Hussman 10,000 sh (New)
Joel Greenblatt 3,325,291 sh (+73.51%)
Bernard Horn 196,400 sh (+61.78%)
Ray Dalio 675,389 sh (+30.36%)
David Dreman 32,147 sh (+11.40%)
Brian Rogers 6,500,000 sh (+2.36%)
David Abrams 21,608,707 sh (+0.85%)
Bill Frels 5,893,110 sh (+0.06%)
Scott Black 417,215 sh (+0.04%)
Louis Moore Bacon Sold Out
Mario Cibelli Sold Out
Jeff Auxier 397,570 sh (-0.39%)
Chuck Royce 356,700 sh (-1.30%)
John Rogers 13,649,596 sh (-2.21%)
Paul Tudor Jones 16,100 sh (-36.36%)
HOTCHKIS & WILEY 2,174,655 sh (-37.44%)
» More
Q4 2014

WU Guru Trades in Q4 2014

Paul Tudor Jones 27,200 sh (+68.94%)
Ray Dalio 718,089 sh (+6.32%)
Joel Greenblatt 3,488,420 sh (+4.91%)
Brian Rogers 6,750,000 sh (+3.85%)
John Rogers 13,937,811 sh (+2.11%)
David Abrams 21,608,707 sh (unchged)
Bernard Horn 196,400 sh (unchged)
John Hussman Sold Out
Bill Frels 5,875,675 sh (-0.30%)
Jeff Auxier 391,251 sh (-1.59%)
HOTCHKIS & WILEY 2,078,155 sh (-4.44%)
Scott Black 392,730 sh (-5.87%)
David Dreman 28,685 sh (-10.77%)
Chuck Royce 312,100 sh (-12.50%)
» More
Q1 2015

WU Guru Trades in Q1 2015

Jim Simons 888,500 sh (New)
David Dreman 34,941 sh (+21.81%)
Bill Frels 5,891,271 sh (+0.27%)
Brian Rogers 6,750,000 sh (unchged)
Bernard Horn 196,400 sh (unchged)
David Abrams 21,608,707 sh (unchged)
Scott Black 391,760 sh (-0.25%)
Joel Greenblatt 3,177,444 sh (-8.91%)
John Rogers 12,264,707 sh (-12.00%)
Ray Dalio 618,789 sh (-13.83%)
Chuck Royce 250,700 sh (-19.67%)
Paul Tudor Jones 16,700 sh (-38.60%)
HOTCHKIS & WILEY 1,233,355 sh (-40.65%)
Jeff Auxier 152,698 sh (-60.97%)
» More
Q2 2015

WU Guru Trades in Q2 2015

Jeff Auxier 276,045 sh (+80.78%)
Jim Simons 1,254,600 sh (+41.20%)
Joel Greenblatt 3,498,674 sh (+10.11%)
David Abrams 21,608,707 sh (unchged)
Bernard Horn 196,400 sh (unchged)
HOTCHKIS & WILEY Sold Out
Scott Black 388,450 sh (-0.84%)
David Dreman 31,306 sh (-10.40%)
Brian Rogers 5,750,000 sh (-14.81%)
John Rogers 10,319,401 sh (-15.86%)
Bill Frels 4,846,471 sh (-17.73%)
Paul Tudor Jones 12,000 sh (-28.14%)
Chuck Royce 119,700 sh (-52.25%)
Ray Dalio 144,989 sh (-76.57%)
» More
» Details

Insider Trades

Latest Guru Trades with WU

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Guru Investment Theses on Western Union Co

Ariel Investments' John Rogers Comments on Western Union Co. - Feb 25, 2014

Also, transaction specialist Western Union Co. (WU) returned –6.85% due to disappointing guidance. Its quarterly earnings report was solid, with earnings and revenues both above consensus. At the same time, however, the company signaled that costs for regulatory and compliance investments would be higher than expected. As a result, management expects operating profit to be flat next year, and share buybacks will be minimal. Management had been returning capital to shareowners at a steady clip: Through the first three quarters of 2013, the company returned nearly $550 million to shareholders through dividends and buybacks. Admittedly Western Union has had a difficult couple of years, but we think its economic moati is firmly in place, even though most analysts seem to be looking right past it.

From John Rogers (Trades, Portfolio)' Ariel Investments fourth quarter 2013 commentary.

Check out John Rogers latest stock trades

Ratios

vs
industry
vs
history
P/E(ttm) 11.60
WU's P/E(ttm) is ranked higher than
60% of the 211 Companies
in the Global Credit Services industry.

( Industry Median: 14.50 vs. WU: 11.60 )
Ranked among companies with meaningful P/E(ttm) only.
WU' s 10-Year P/E(ttm) Range
Min: 5.92  Med: 12.68 Max: 26.24
Current: 11.6
5.92
26.24
Forward P/E 10.54
WU's Forward P/E is ranked higher than
51% of the 71 Companies
in the Global Credit Services industry.

( Industry Median: 11.22 vs. WU: 10.54 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.60
WU's PE(NRI) is ranked higher than
60% of the 212 Companies
in the Global Credit Services industry.

( Industry Median: 15.00 vs. WU: 11.60 )
Ranked among companies with meaningful PE(NRI) only.
WU' s 10-Year PE(NRI) Range
Min: 5.92  Med: 12.69 Max: 26.24
Current: 11.6
5.92
26.24
P/B 7.41
WU's P/B is ranked lower than
94% of the 226 Companies
in the Global Credit Services industry.

( Industry Median: 1.03 vs. WU: 7.41 )
Ranked among companies with meaningful P/B only.
WU' s 10-Year P/B Range
Min: 6.22  Med: 12.68 Max: 2364
Current: 7.41
6.22
2364
P/S 1.77
WU's P/S is ranked higher than
72% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. WU: 1.77 )
Ranked among companies with meaningful P/S only.
WU' s 10-Year P/S Range
Min: 1.3  Med: 2.13 Max: 5.31
Current: 1.77
1.3
5.31
PFCF 11.52
WU's PFCF is ranked lower than
59% of the 69 Companies
in the Global Credit Services industry.

( Industry Median: 8.95 vs. WU: 11.52 )
Ranked among companies with meaningful PFCF only.
WU' s 10-Year PFCF Range
Min: 6.69  Med: 11.96 Max: 28.19
Current: 11.52
6.69
28.19
POCF 9.30
WU's POCF is ranked lower than
56% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 8.39 vs. WU: 9.30 )
Ranked among companies with meaningful POCF only.
WU' s 10-Year POCF Range
Min: 5.86  Med: 9.98 Max: 22.6
Current: 9.3
5.86
22.6
EV-to-EBIT 9.15
WU's EV-to-EBIT is ranked higher than
77% of the 208 Companies
in the Global Credit Services industry.

( Industry Median: 18.77 vs. WU: 9.15 )
Ranked among companies with meaningful EV-to-EBIT only.
WU' s 10-Year EV-to-EBIT Range
Min: 5.3  Med: 9.20 Max: 19.9
Current: 9.15
5.3
19.9
PEG 2.52
WU's PEG is ranked lower than
84% of the 61 Companies
in the Global Credit Services industry.

( Industry Median: 0.75 vs. WU: 2.52 )
Ranked among companies with meaningful PEG only.
WU' s 10-Year PEG Range
Min: 0.75  Med: 1.86 Max: 5.78
Current: 2.52
0.75
5.78
Shiller P/E 11.63
WU's Shiller P/E is ranked higher than
56% of the 91 Companies
in the Global Credit Services industry.

( Industry Median: 12.89 vs. WU: 11.63 )
Ranked among companies with meaningful Shiller P/E only.
WU' s 10-Year Shiller P/E Range
Min: 8.07  Med: 12.26 Max: 17.24
Current: 11.63
8.07
17.24
Current Ratio 1.12
WU's Current Ratio is ranked lower than
76% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 2.02 vs. WU: 1.12 )
Ranked among companies with meaningful Current Ratio only.
WU' s 10-Year Current Ratio Range
Min: 0.91  Med: 1.21 Max: 2.03
Current: 1.12
0.91
2.03
Quick Ratio 1.12
WU's Quick Ratio is ranked lower than
75% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 1.81 vs. WU: 1.12 )
Ranked among companies with meaningful Quick Ratio only.
WU' s 10-Year Quick Ratio Range
Min: 0.91  Med: 1.21 Max: 2.03
Current: 1.12
0.91
2.03
Days Sales Outstanding 69.61
WU's Days Sales Outstanding is ranked lower than
68% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 24.86 vs. WU: 69.61 )
Ranked among companies with meaningful Days Sales Outstanding only.
WU' s 10-Year Days Sales Outstanding Range
Min: 0.87  Med: 64.21 Max: 84.85
Current: 69.61
0.87
84.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.00
WU's Dividend Yield is ranked higher than
60% of the 250 Companies
in the Global Credit Services industry.

( Industry Median: 2.16 vs. WU: 3.00 )
Ranked among companies with meaningful Dividend Yield only.
WU' s 10-Year Dividend Yield Range
Min: 0.04  Med: 1.37 Max: 3.28
Current: 3
0.04
3.28
Dividend Payout 0.35
WU's Dividend Payout is ranked higher than
53% of the 136 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. WU: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
WU' s 10-Year Dividend Payout Range
Min: 0.04  Med: 0.22 Max: 0.43
Current: 0.35
0.04
0.43
Dividend growth (3y) 17.30
WU's Dividend growth (3y) is ranked higher than
68% of the 74 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. WU: 17.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
WU' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 17.30 Max: 97.9
Current: 17.3
0
97.9
Yield on cost (5-Year) 19.55
WU's Yield on cost (5-Year) is ranked higher than
94% of the 251 Companies
in the Global Credit Services industry.

( Industry Median: 3.23 vs. WU: 19.55 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WU' s 10-Year Yield on cost (5-Year) Range
Min: 0.26  Med: 8.78 Max: 21.02
Current: 19.55
0.26
21.02
Share Buyback Rate 5.40
WU's Share Buyback Rate is ranked higher than
92% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: -4.80 vs. WU: 5.40 )
Ranked among companies with meaningful Share Buyback Rate only.
WU' s 10-Year Share Buyback Rate Range
Min: 0  Med: 4.70 Max: -0.6
Current: 5.4

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 0.88
WU's Price/Projected FCF is ranked lower than
58% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 0.76 vs. WU: 0.88 )
Ranked among companies with meaningful Price/Projected FCF only.
WU' s 10-Year Price/Projected FCF Range
Min: 0.65  Med: 0.93 Max: 2.1
Current: 0.88
0.65
2.1
Price/Median PS Value 0.81
WU's Price/Median PS Value is ranked higher than
65% of the 228 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. WU: 0.81 )
Ranked among companies with meaningful Price/Median PS Value only.
WU' s 10-Year Price/Median PS Value Range
Min: 0.69  Med: 0.97 Max: 2.09
Current: 0.81
0.69
2.09
Earnings Yield (Greenblatt) (%) 10.94
WU's Earnings Yield (Greenblatt) (%) is ranked higher than
82% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. WU: 10.94 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WU' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5  Med: 10.90 Max: 19
Current: 10.94
5
19
Forward Rate of Return (Yacktman) (%) 10.69
WU's Forward Rate of Return (Yacktman) (%) is ranked higher than
60% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: -0.14 vs. WU: 10.69 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WU' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 5  Med: 13.35 Max: 25.2
Current: 10.69
5
25.2

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 5,469 5,573
EPS($) 1.64 1.74
EPS without NRI($) 1.64 1.74

Business Description

Industry: Credit Services » Credit Services
Compare:HKXCY, ASXFY, CIT, KFN, TREE » details
Traded in other countries:WU.Mexico, W3U.Germany,
Western Union Co 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, Consumer-to-Business and Business Solutions. The Consumer-to-Consumer operating segment facilitates money transfers between two consumers, through a network of third-party agents. Its multi-currency, real-time money transfer service is viewed as one interconnected global network where a money transfer can be sent from one location to another, around the world. The money transfer services are available for international cross-border transfers - that is, the transfer of funds from one country to another - and, in certain countries, intra-country transfers - that is, money transfers from one location to another in the same country. This segment also includes money transfer transactions that can be initiated through websites and account based money transfers. The Consumer-to-Business operating segment facilitates bill payments from consumers to businesses and other organizations, including utilities, auto finance companies, mortgage servicers, financial service providers, government agencies and other businesses. The significant majority of the segment's revenue was generated in the United States during all periods presented, with the remainder generated in Argentina. The Business Solutions operating segment facilitates payment and foreign exchange solutions, cross-border, cross-currency transactions, for small and medium size enterprises and other organizations and individuals. The majority of the segment's business relates to exchanges of currency at the spot rate, which enables customers to make cross-currency payments. In addition, in certain countries, it writes foreign currency forward and option contracts for customers to facilitate future payments. Travelex Global Business Payments (TGBP), which was acquired in November 2011, is included in this segment. Some of its services are subject to card association rules and regulations. For example, an independent standards-setting organization, the Payment Card Industry ("PCI") Security Standards Council (including American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc. International) developed a set of comprehensive requirements concerning payment card account security through the transaction process, called the Payment Card Industry Data Security Standard (PCI DSS). 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, A
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