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Also traded in: Brazil, Germany, Mexico

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 0.41
WU's Cash to Debt is ranked higher than
50% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 0.87 vs. WU: 0.41 )
Ranked among companies with meaningful Cash to Debt only.
WU' s Cash to Debt Range Over the Past 10 Years
Min: 0.37  Med: 0.97 Max: N/A
Current: 0.41
Equity to Asset 0.15
WU's Equity to Asset is ranked lower than
87% of the 299 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. WU: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
WU' s Equity to Asset Range Over the Past 10 Years
Min: -0.11  Med: 0.07 Max: 0.65
Current: 0.15
-0.11
0.65
Interest Coverage 6.61
WU's Interest Coverage is ranked higher than
52% of the 242 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. WU: 6.61 )
Ranked among companies with meaningful Interest Coverage only.
WU' s Interest Coverage Range Over the Past 10 Years
Min: 5.66  Med: 7.61 Max: 24.56
Current: 6.61
5.66
24.56
F-Score: 7
Z-Score: 1.70
M-Score: -2.57
WACC vs ROIC
7.95%
55.80%
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 (%) 20.23
WU's Operating margin (%) is ranked higher than
53% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 18.28 vs. WU: 20.23 )
Ranked among companies with meaningful Operating margin (%) only.
WU' s Operating margin (%) Range Over the Past 10 Years
Min: 19.98  Med: 25.23 Max: 31.83
Current: 20.23
19.98
31.83
Net-margin (%) 15.28
WU's Net-margin (%) is ranked higher than
53% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 14.47 vs. WU: 15.28 )
Ranked among companies with meaningful Net-margin (%) only.
WU' s Net-margin (%) Range Over the Past 10 Years
Min: 14.41  Med: 17.51 Max: 23.26
Current: 15.28
14.41
23.26
ROE (%) 62.43
WU's ROE (%) is ranked higher than
99% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. WU: 62.43 )
Ranked among companies with meaningful ROE (%) only.
WU' s ROE (%) Range Over the Past 10 Years
Min: 66.3  Med: 111.79 Max: 4314.55
Current: 62.43
66.3
4314.55
ROA (%) 8.45
WU's ROA (%) is ranked higher than
87% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. WU: 8.45 )
Ranked among companies with meaningful ROA (%) only.
WU' s ROA (%) Range Over the Past 10 Years
Min: 8.15  Med: 13.42 Max: 40.42
Current: 8.45
8.15
40.42
ROC (Joel Greenblatt) (%) 520.11
WU's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 11.57 vs. WU: 520.11 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
WU' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 315.75  Med: 653.24 Max: 749.95
Current: 520.11
315.75
749.95
Revenue Growth (3Y)(%) 6.50
WU's Revenue Growth (3Y)(%) is ranked higher than
53% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. WU: 6.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
WU' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
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 lower than
59% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: 9.10 vs. WU: 0.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
WU' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
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 198 Companies
in the Global Credit Services industry.

( Industry Median: 8.20 vs. WU: -4.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
WU' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.80 Max: 23.2
Current: -4.8
0
23.2
» WU's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

WU Guru Trades in Q1 2015

Jim Simons 888,500 sh (New)
David Dreman 34,941 sh (+21.81%)
Mairs and Power 5,891,271 sh (+0.27%)
David Abrams 21,608,707 sh (unchged)
T Rowe Price Equity Income Fund 6,750,000 sh (unchged)
Bernard Horn 196,400 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%)
Jeff Auxier 305,818 sh (-21.84%)
Paul Tudor Jones 16,700 sh (-38.60%)
HOTCHKIS & WILEY 1,233,355 sh (-40.65%)
» More
Q2 2015

WU Guru Trades in Q2 2015

Jim Simons 1,254,600 sh (+41.20%)
Joel Greenblatt 3,498,674 sh (+10.11%)
Bernard Horn 196,400 sh (unchged)
David Abrams 21,608,707 sh (unchged)
HOTCHKIS & WILEY Sold Out
Scott Black 388,450 sh (-0.84%)
Jeff Auxier 276,045 sh (-9.74%)
David Dreman 31,306 sh (-10.40%)
T Rowe Price Equity Income Fund 5,750,000 sh (-14.81%)
John Rogers 10,319,401 sh (-15.86%)
Mairs and Power 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
Q3 2015

WU Guru Trades in Q3 2015

Ray Dalio 594,189 sh (+309.82%)
Paul Tudor Jones 24,364 sh (+103.03%)
David Dreman 35,471 sh (+13.30%)
John Rogers 10,537,401 sh (+2.11%)
Mairs and Power 4,849,723 sh (+0.07%)
Scott Black 388,700 sh (+0.06%)
David Abrams 21,608,707 sh (unchged)
Bernard Horn 196,400 sh (unchged)
Chuck Royce Sold Out
Jim Simons Sold Out
Joel Greenblatt 3,357,469 sh (-4.04%)
Jeff Auxier 254,195 sh (-7.92%)
T Rowe Price Equity Income Fund 3,950,800 sh (-31.29%)
» More
Q4 2015

WU Guru Trades in Q4 2015

Jim Simons 1,210,800 sh (New)
Ray Dalio 801,642 sh (+34.91%)
David Abrams 21,608,707 sh (unchged)
David Dreman Sold Out
T Rowe Price Equity Income Fund Sold Out
John Rogers 9,049,561 sh (-14.12%)
Jeff Auxier 214,002 sh (-15.81%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 10.81
WU's P/E(ttm) is ranked higher than
60% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 13.54 vs. WU: 10.81 )
Ranked among companies with meaningful P/E(ttm) only.
WU' s P/E(ttm) Range Over the Past 10 Years
Min: 5.95  Med: 12.24 Max: 24.03
Current: 10.81
5.95
24.03
Forward P/E 9.36
WU's Forward P/E is ranked higher than
56% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 9.90 vs. WU: 9.36 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.81
WU's PE(NRI) is ranked higher than
59% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 13.40 vs. WU: 10.81 )
Ranked among companies with meaningful PE(NRI) only.
WU' s PE(NRI) Range Over the Past 10 Years
Min: 5.95  Med: 12.25 Max: 24.03
Current: 10.81
5.95
24.03
P/B 6.31
WU's P/B is ranked lower than
91% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. WU: 6.31 )
Ranked among companies with meaningful P/B only.
WU' s P/B Range Over the Past 10 Years
Min: 6.22  Med: 11.19 Max: 2364
Current: 6.31
6.22
2364
P/S 1.67
WU's P/S is ranked higher than
70% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. WU: 1.67 )
Ranked among companies with meaningful P/S only.
WU' s P/S Range Over the Past 10 Years
Min: 1.3  Med: 2.08 Max: 4.17
Current: 1.67
1.3
4.17
PFCF 11.19
WU's PFCF is ranked higher than
53% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 11.19 vs. WU: 11.19 )
Ranked among companies with meaningful PFCF only.
WU' s PFCF Range Over the Past 10 Years
Min: 6.73  Med: 11.99 Max: 28.19
Current: 11.19
6.73
28.19
POCF 8.57
WU's POCF is ranked higher than
54% of the 155 Companies
in the Global Credit Services industry.

( Industry Median: 9.55 vs. WU: 8.57 )
Ranked among companies with meaningful POCF only.
WU' s POCF Range Over the Past 10 Years
Min: 5.89  Med: 9.91 Max: 22.6
Current: 8.57
5.89
22.6
EV-to-EBIT 7.83
WU's EV-to-EBIT is ranked higher than
78% of the 340 Companies
in the Global Credit Services industry.

( Industry Median: 16.94 vs. WU: 7.83 )
Ranked among companies with meaningful EV-to-EBIT only.
WU' s EV-to-EBIT Range Over the Past 10 Years
Min: 5  Med: 8.80 Max: 15.9
Current: 7.83
5
15.9
EV-to-EBITDA 6.29
WU's EV-to-EBITDA is ranked higher than
81% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 14.74 vs. WU: 6.29 )
Ranked among companies with meaningful EV-to-EBITDA only.
WU' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.3  Med: 7.70 Max: 14.6
Current: 6.29
4.3
14.6
PEG 2.26
WU's PEG is ranked lower than
85% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 0.59 vs. WU: 2.26 )
Ranked among companies with meaningful PEG only.
WU' s PEG Range Over the Past 10 Years
Min: 0.91  Med: 2.06 Max: 11.06
Current: 2.26
0.91
11.06
Shiller P/E 10.80
WU's Shiller P/E is ranked higher than
69% of the 49 Companies
in the Global Credit Services industry.

( Industry Median: 12.78 vs. WU: 10.80 )
Ranked among companies with meaningful Shiller P/E only.
WU' s Shiller P/E Range Over the Past 10 Years
Min: 9.16  Med: 10.83 Max: 14.01
Current: 10.8
9.16
14.01
Current Ratio 1.06
WU's Current Ratio is ranked lower than
83% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.76 vs. WU: 1.06 )
Ranked among companies with meaningful Current Ratio only.
WU' s Current Ratio Range Over the Past 10 Years
Min: 0.91  Med: 1.19 Max: 2.03
Current: 1.06
0.91
2.03
Quick Ratio 1.06
WU's Quick Ratio is ranked lower than
81% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. WU: 1.06 )
Ranked among companies with meaningful Quick Ratio only.
WU' s Quick Ratio Range Over the Past 10 Years
Min: 0.91  Med: 1.19 Max: 2.03
Current: 1.06
0.91
2.03
Days Sales Outstanding 74.20
WU's Days Sales Outstanding is ranked lower than
65% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 31.48 vs. WU: 74.20 )
Ranked among companies with meaningful Days Sales Outstanding only.
WU' s Days Sales Outstanding Range Over the Past 10 Years
Min: 0.87  Med: 64.21 Max: 84.85
Current: 74.2
0.87
84.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.54
WU's Dividend Yield is ranked higher than
63% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 3.49 vs. WU: 3.54 )
Ranked among companies with meaningful Dividend Yield only.
WU' s Dividend Yield Range Over the Past 10 Years
Min: 0.04  Med: 1.46 Max: 3.55
Current: 3.54
0.04
3.55
Dividend Payout 0.36
WU's Dividend Payout is ranked higher than
54% of the 146 Companies
in the Global Credit Services industry.

( Industry Median: 0.28 vs. WU: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
WU' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.23 Max: 0.43
Current: 0.36
0.04
0.43
Dividend Growth (3y) 17.30
WU's Dividend Growth (3y) is ranked higher than
69% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 9.00 vs. WU: 17.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
WU' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 17.30 Max: 97.9
Current: 17.3
0
97.9
Forward Dividend Yield 3.79
WU's Forward Dividend Yield is ranked higher than
58% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 3.19 vs. WU: 3.79 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 22.69
WU's Yield on cost (5-Year) is ranked higher than
95% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 3.22 vs. WU: 22.69 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
WU' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.26  Med: 9.36 Max: 22.75
Current: 22.69
0.26
22.75
3-Year Average Share Buyback Ratio 5.40
WU's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 143 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 vs. WU: 5.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WU' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.6  Med: 4.70 Max: 0
Current: 5.4
-0.6
0

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 0.84
WU's Price/Projected FCF is ranked higher than
53% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. WU: 0.84 )
Ranked among companies with meaningful Price/Projected FCF only.
WU' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.67  Med: 0.93 Max: 2.1
Current: 0.84
0.67
2.1
Price/Median PS Value 0.80
WU's Price/Median PS Value is ranked higher than
64% of the 364 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 vs. WU: 0.80 )
Ranked among companies with meaningful Price/Median PS Value only.
WU' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.71  Med: 0.97 Max: 1.85
Current: 0.8
0.71
1.85
Earnings Yield (Greenblatt) (%) 12.77
WU's Earnings Yield (Greenblatt) (%) is ranked higher than
83% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 3.70 vs. WU: 12.77 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
WU' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.3  Med: 11.40 Max: 19.8
Current: 12.77
6.3
19.8
Forward Rate of Return (Yacktman) (%) 11.65
WU's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. WU: 11.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
WU' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 4.6  Med: 11.30 Max: 18.8
Current: 11.65
4.6
18.8

More Statistics

Revenue(Mil) $5514
EPS $ 1.62
Beta1.08
Short Percentage of Float15.23%
52-Week Range $16.02 - 22.84
Shares Outstanding(Mil)505.28

Analyst Estimate

Dec16 Dec17
Revenue(Mil) 5,514 5,689
EPS($) 1.67 1.80
EPS without NRI($) 1.67 1.80

Latest Earnings Webcast

» More Conference Calls

Business Description

Industry: Credit Services » Credit Services
Compare:HKXCY, ASXFY, CIT, KFN, TREE » details
Traded in other countries:WUNI34.Brazil, W3U.Germany, WU.Mexico,
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
» More Articles for NYSE:WU

Headlines

Articles On GuruFocus.com
Western Union Among David Abrams' Holdings Trading With Low P/S Dec 30 2015 
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Herbalife and Borderfree Numbers Beyond Expectations; Moneygram Potential Takeover Target May 06 2015 
Western Union’s First Quarter Beats All Estimates May 02 2015 
Western Union Is Undervalued But Heavily Shorted Mar 19 2015 
David Abrams' recent trades Feb 23 2015 
Dravid Abrams and His Top Four Stock Picks Jan 27 2015 
EBay to Spin Off PayPal Nov 05 2014 
Outspoken Guru Carl Icahn Is 'Driven to Excel' Oct 22 2014 
Xerox´s Business Model and Growth Opportunities Sep 09 2014 

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Western Union CFO Transfers Cash Back to Shareholders Despite FX Hit Feb 09 2016
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