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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 1.00
WU's Cash-to-Debt is ranked lower than
55% of the 449 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. WU: 1.00 )
Ranked among companies with meaningful Cash-to-Debt only.
WU' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.37  Med: 0.99 Max: 10.33
Current: 1
0.37
10.33
Equity-to-Asset -0.05
WU's Equity-to-Asset is ranked lower than
98% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. WU: -0.05 )
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: -0.05
-0.11
0.65
Debt-to-Equity -7.93
WU's Debt-to-Equity is ranked lower than
99.99% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. WU: -7.93 )
Ranked among companies with meaningful Debt-to-Equity only.
WU' s Debt-to-Equity Range Over the Past 10 Years
Min: -388.09  Med: 3.49 Max: 456.66
Current: -7.93
-388.09
456.66
Debt-to-EBITDA 3.75
WU's Debt-to-EBITDA is ranked higher than
66% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. WU: 3.75 )
Ranked among companies with meaningful Debt-to-EBITDA only.
WU' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.02  Med: 2.43 Max: 4.03
Current: 3.75
2.02
4.03
Interest Coverage 7.11
WU's Interest Coverage is ranked lower than
62% of the 402 Companies
in the Global Credit Services industry.

( Industry Median: 7.50 vs. WU: 7.11 )
Ranked among companies with meaningful Interest Coverage only.
WU' s Interest Coverage Range Over the Past 10 Years
Min: 3.17  Med: 7.01 Max: 8.12
Current: 7.11
3.17
8.12
Piotroski F-Score: 5
Altman Z-Score: 1.17
Beneish M-Score: -2.93
WACC vs ROIC
4.70%
289.40%
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 : 7/10

vs
industry
vs
history
Operating Margin % 18.85
WU's Operating Margin % is ranked lower than
67% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 19.77 vs. WU: 18.85 )
Ranked among companies with meaningful Operating Margin % only.
WU' s Operating Margin % Range Over the Past 10 Years
Min: 8.92  Med: 21.91 Max: 25.65
Current: 18.85
8.92
25.65
Net Margin % -8.55
WU's Net Margin % is ranked lower than
85% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 13.22 vs. WU: -8.55 )
Ranked among companies with meaningful Net Margin % only.
WU' s Net Margin % Range Over the Past 10 Years
Min: -10.08  Med: 15.99 Max: 21.22
Current: -8.55
-10.08
21.22
ROA % -5.18
WU's ROA % is ranked lower than
88% of the 453 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. WU: -5.18 )
Ranked among companies with meaningful ROA % only.
WU' s ROA % Range Over the Past 10 Years
Min: -5.97  Med: 9.87 Max: 16.18
Current: -5.18
-5.97
16.18
ROC (Joel Greenblatt) % 267.95
WU's ROC (Joel Greenblatt) % is ranked higher than
87% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 13.96 vs. WU: 267.95 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
WU' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 218.53  Med: 601.6 Max: 738.22
Current: 267.95
218.53
738.22
3-Year Revenue Growth Rate 4.20
WU's 3-Year Revenue Growth Rate is ranked lower than
56% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. WU: 4.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
WU' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 3.5  Med: 8.05 Max: 15.3
Current: 4.2
3.5
15.3
3-Year EBITDA Growth Rate -15.20
WU's 3-Year EBITDA Growth Rate is ranked lower than
80% of the 314 Companies
in the Global Credit Services industry.

( Industry Median: 7.10 vs. WU: -15.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
WU' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -26.1  Med: 2.1 Max: 13.8
Current: -15.2
-26.1
13.8
GuruFocus has detected 3 Warning Signs with The Western Union Co WU.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» WU's 30-Y Financials

Financials (Next Earnings Date: 2019-02-09 Est.)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2017

WU Guru Trades in Q4 2017

Pioneer Investments 784,559 sh (New)
Jim Simons 2,939,900 sh (+41.97%)
David Dreman 22,304 sh (unchged)
Jeremy Grantham 11,500 sh (unchged)
David Abrams 21,608,707 sh (unchged)
Bernard Horn 324,600 sh (unchged)
John Hussman Sold Out
Caxton Associates Sold Out
Joel Greenblatt 360,406 sh (-10.26%)
John Rogers 4,766,217 sh (-6.65%)
Jeff Auxier 75,721 sh (-12.44%)
Paul Tudor Jones 140,620 sh (-13.45%)
Mairs and Power 4,528,446 sh (-6.33%)
Ray Dalio 684,822 sh (-2.53%)
» More
Q1 2018

WU Guru Trades in Q1 2018

Pioneer Investments 821,361 sh (+4.69%)
David Dreman 22,304 sh (unchged)
David Abrams 21,608,707 sh (unchged)
Steven Cohen 200,000 sh (unchged)
Bernard Horn 324,600 sh (unchged)
Joel Greenblatt Sold Out
Jeremy Grantham Sold Out
John Rogers 4,150,673 sh (-12.91%)
Jeff Auxier 74,933 sh (-1.04%)
Paul Tudor Jones 90,004 sh (-35.99%)
Jim Simons 2,494,300 sh (-15.16%)
Mairs and Power 3,612,208 sh (-20.23%)
Ray Dalio 386,407 sh (-43.58%)
» More
Q2 2018

WU Guru Trades in Q2 2018

Ken Fisher 17,400 sh (New)
Steven Cohen 200,000 sh (unchged)
Bernard Horn 324,600 sh (unchged)
John Rogers 4,110,274 sh (-0.97%)
David Abrams 21,351,798 sh (-1.19%)
Paul Tudor Jones 42,814 sh (-52.43%)
Mairs and Power 1,952,238 sh (-45.95%)
Pioneer Investments 521,781 sh (-36.47%)
Ray Dalio 294,735 sh (-23.72%)
Jim Simons 1,473,300 sh (-40.93%)
Jeff Auxier 56,349 sh (-24.80%)
» More
Q3 2018

WU Guru Trades in Q3 2018

Caxton Associates 33,507 sh (New)
Ray Dalio 701,521 sh (+138.02%)
John Rogers 4,112,165 sh (+0.05%)
Paul Tudor Jones 49,974 sh (+16.72%)
Bernard Horn 324,600 sh (unchged)
Ken Fisher Sold Out
David Abrams 21,165,498 sh (-0.87%)
Jim Simons 388,400 sh (-73.64%)
Mairs and Power 222,408 sh (-88.61%)
Pioneer Investments 258,564 sh (-50.45%)
Jeff Auxier 55,148 sh (-2.13%)
» 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%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

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Business Description

Industry: Credit Services » Credit Services    NAICS: 522320    SIC: 7389
Compare:COL:CINS.X0000, XPAR:EDEN, TSE:8572, NYSE:ADS, NAS:CACC, TSE:8593, NSE:SRTRANSFIN, NAS:SLM, TSE:8570, BOM:533519, NSE:M&MFIN, TPE:5871, SHSE:600901, NYSE:OMF, NSE:CHOLAFIN, NYSE:FCFS, BOM:532955, XKRX:029780, NAS:NAVI, BOM:532810 » details
Traded in other countries:WUNI34.Brazil, W3U.Germany, WU.Mexico,
Headquarter Location:USA
The Western Union Co is a provider of money movement and payment services. The company provides flexible and convenient options for making one-time or recurring payments. Its segments are Consumer-to-Consumer, Consumer-to-Business and Business Solutions.

Western Union provides domestic and international money transfers through its global network of about 500,000 outside agents. It is the largest money transfer company in the world and one of only two companies with a truly global agent network, with MoneyGram being the other.

Guru Investment Theses on The Western Union Co

Bernard Horn Comments on Infosys - Jul 21, 2017

Western Union (NYSE:WU) dipped approximately 6% on concerns about compliance costs and disruptive competition. The company announced flat revenues, but noted continued growth in its online money transfer transaction and consumer bill payment business. The company returned more than $300 million to shareholder through share buybacks and dividends during the first quarter of 2017.

From Bernard Horn (Trades, Portfolio)'s Polaris Global Value Fund second quarter 2017 shareholder letter.

Check out Bernard Horn latest stock trades

Ratios

vs
industry
vs
history
Forward PE Ratio 9.43
WU's Forward PE Ratio is ranked higher than
62% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 12.50 vs. WU: 9.43 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
Price-to-Owner-Earnings 168.06
WU's Price-to-Owner-Earnings is ranked lower than
99.99% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 14.62 vs. WU: 168.06 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WU' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.18  Med: 11.89 Max: 176.48
Current: 168.06
7.18
176.48
PS Ratio 1.45
WU's PS Ratio is ranked higher than
73% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. WU: 1.45 )
Ranked among companies with meaningful PS Ratio only.
WU' s PS Ratio Range Over the Past 10 Years
Min: 1.3  Med: 1.87 Max: 4.15
Current: 1.45
1.3
4.15
Price-to-Free-Cash-Flow 15.75
WU's Price-to-Free-Cash-Flow is ranked lower than
68% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 8.52 vs. WU: 15.75 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
WU' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.64  Med: 11.98 Max: 29.13
Current: 15.75
6.64
29.13
Price-to-Operating-Cash-Flow 9.97
WU's Price-to-Operating-Cash-Flow is ranked lower than
66% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 7.24 vs. WU: 9.97 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
WU' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.85  Med: 9.72 Max: 18.3
Current: 9.97
5.85
18.3
EV-to-EBIT 13.01
WU's EV-to-EBIT is ranked lower than
55% of the 352 Companies
in the Global Credit Services industry.

( Industry Median: 16.26 vs. WU: 13.01 )
Ranked among companies with meaningful EV-to-EBIT only.
WU' s EV-to-EBIT Range Over the Past 10 Years
Min: 5  Med: 8.9 Max: 21.9
Current: 13.01
5
21.9
EV-to-EBITDA 9.14
WU's EV-to-EBITDA is ranked higher than
60% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 14.65 vs. WU: 9.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
WU' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.3  Med: 7.5 Max: 15
Current: 9.14
4.3
15
EV-to-Revenue 1.40
WU's EV-to-Revenue is ranked higher than
86% of the 425 Companies
in the Global Credit Services industry.

( Industry Median: 5.35 vs. WU: 1.40 )
Ranked among companies with meaningful EV-to-Revenue only.
WU' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.3  Med: 1.8 Max: 4.4
Current: 1.4
1.3
4.4
Shiller PE Ratio 14.00
WU's Shiller PE Ratio is ranked higher than
55% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 17.29 vs. WU: 14.00 )
Ranked among companies with meaningful Shiller PE Ratio only.
WU' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.47  Med: 12.72 Max: 17.06
Current: 14
9.47
17.06
Current Ratio 0.91
WU's Current Ratio is ranked lower than
90% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.40 vs. WU: 0.91 )
Ranked among companies with meaningful Current Ratio only.
WU' s Current Ratio Range Over the Past 10 Years
Min: 0.91  Med: 1.24 Max: 2.03
Current: 0.91
0.91
2.03
Quick Ratio 0.91
WU's Quick Ratio is ranked lower than
89% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.40 vs. WU: 0.91 )
Ranked among companies with meaningful Quick Ratio only.
WU' s Quick Ratio Range Over the Past 10 Years
Min: 0.91  Med: 1.24 Max: 2.03
Current: 0.91
0.91
2.03
Days Sales Outstanding 96.38
WU's Days Sales Outstanding is ranked lower than
76% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 19.27 vs. WU: 96.38 )
Ranked among companies with meaningful Days Sales Outstanding only.
WU' s Days Sales Outstanding Range Over the Past 10 Years
Min: 0.87  Med: 66.31 Max: 103.99
Current: 96.38
0.87
103.99
Days Payable 64.85
WU's Days Payable is ranked lower than
99.99% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 39.69 vs. WU: 64.85 )
Ranked among companies with meaningful Days Payable only.
WU' s Days Payable Range Over the Past 10 Years
Min: 45.52  Med: 65.12 Max: 126.09
Current: 64.85
45.52
126.09

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.12
WU's Dividend Yield % is ranked higher than
60% of the 316 Companies
in the Global Credit Services industry.

( Industry Median: 2.56 vs. WU: 4.12 )
Ranked among companies with meaningful Dividend Yield % only.
WU' s Dividend Yield % Range Over the Past 10 Years
Min: 0.14  Med: 2.72 Max: 4.23
Current: 4.12
0.14
4.23
3-Year Dividend Growth Rate 11.90
WU's 3-Year Dividend Growth Rate is ranked higher than
70% of the 115 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. WU: 11.90 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
WU' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 12.65 Max: 97.9
Current: 11.9
0
97.9
Forward Dividend Yield % 4.11
WU's Forward Dividend Yield % is ranked higher than
62% of the 305 Companies
in the Global Credit Services industry.

( Industry Median: 2.72 vs. WU: 4.11 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.76
WU's 5-Year Yield-on-Cost % is ranked higher than
74% of the 402 Companies
in the Global Credit Services industry.

( Industry Median: 2.55 vs. WU: 6.76 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
WU' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.23  Med: 4.46 Max: 6.94
Current: 6.76
0.23
6.94
3-Year Average Share Buyback Ratio 4.20
WU's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: -3.70 vs. WU: 4.20 )
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: -0.3  Med: 4.2 Max: 5.9
Current: 4.2
-0.3
5.9

Valuation & Return

vs
industry
vs
history
Price-to-Intrinsic-Value-Projected-FCF 1.26
WU's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
57% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. WU: 1.26 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WU' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.64  Med: 0.97 Max: 2.1
Current: 1.26
0.64
2.1
Price-to-Median-PS-Value 0.79
WU's Price-to-Median-PS-Value is ranked higher than
60% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. WU: 0.79 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WU' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.78  Med: 1.03 Max: 2.07
Current: 0.79
0.78
2.07
Earnings Yield (Greenblatt) % 7.67
WU's Earnings Yield (Greenblatt) % is ranked higher than
58% of the 454 Companies
in the Global Credit Services industry.

( Industry Median: 4.38 vs. WU: 7.67 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WU' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.6  Med: 11.2 Max: 19.8
Current: 7.67
4.6
19.8
Forward Rate of Return (Yacktman) % -2.94
WU's Forward Rate of Return (Yacktman) % is ranked lower than
69% of the 172 Companies
in the Global Credit Services industry.

( Industry Median: 8.48 vs. WU: -2.94 )
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: -3.9  Med: 10.4 Max: 23.2
Current: -2.94
-3.9
23.2

More Statistics

Revenue (TTM) (Mil) $5,626.60
EPS (TTM) $ -1.00
Beta0.69
Volatility15.59%
52-Week Range $17.39 - 22.21
Shares Outstanding (Mil)442.81

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 5,703 5,855
EBIT (Mil $) 1,162 1,196
EBITDA (Mil $) 1,404 1,440
EPS ($) 1.84 1.96
EPS without NRI ($) 1.84 1.96
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.77 0.85

Piotroski F-Score Details

Piotroski F-Score: 55
Positive ROAN
Positive CFROAY
Higher ROA yoyN
CFROA > ROAY
Lower Leverage yoyY
Higher Current Ratio yoyN
Less Shares Outstanding yoyY
Higher Gross Margin yoyY
Higher Asset Turnover yoyN

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