Western Union Co - Understand $wu stock

$WU Market Cap: $3.628 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$4.204B

TTM

Gross Margin

37.96%

TTM

Net Earnings

$675.5M

TTM

Current Assets

$1.098B

Q3 2024

Current Liabilities

$1.633B

Q3 2024

Current Ratio

67.22%

Q3 2024

Total Assets

$7.676B

Q3 2024

Total Liabilities

$7.023B

Q3 2024

Book Value

$652.7M

Q3 2024

Cash

$1.098B

Q3 2024

P/E

5.371

Nov 29, 2024 EST

Free Cash Flow

$426.2M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Revenue	$4.357B	$4.476B	$5.071B	$4.835B	$5.292B	$5.590B	$5.524B	$5.423B	$5.484B	$5.607B	$5.542B	$5.665B	$5.491B	$5.193B	$5.084B	$5.282B	$4.900B	$4.470B	$3.988B	$3.548B	$3.152B
YoY Change	-2.65%	-11.74%	4.88%	-8.64%	-5.33%	1.19%	1.87%	-1.11%	-2.2%	1.18%	-2.17%	3.16%	5.75%	2.15%	-3.76%	7.79%	9.62%	12.09%	12.41%	12.57%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Revenue	$4.357B	$4.476B	$5.071B	$4.835B	$5.292B	$5.590B	$5.524B	$5.423B	$5.484B	$5.607B	$5.542B	$5.665B	$5.491B	$5.193B	$5.084B	$5.282B	$4.900B	$4.470B	$3.988B	$3.548B	$3.152B
Cost Of Revenue	$2.672B	$2.626B	$2.896B	$2.827B	$3.087B	$3.301B	$3.353B	$3.270B	$3.199B	$3.297B	$3.235B	$3.194B	$3.102B	$2.978B	$2.875B	$3.093B	$2.808B	$2.431B	$2.119B	$1.859B	$1.619B
Gross Profit	$1.685B	$1.849B	$2.174B	$2.009B	$2.206B	$2.289B	$2.171B	$2.153B	$2.284B	$2.310B	$2.307B	$2.471B	$2.389B	$2.214B	$2.209B	$2.189B	$2.092B	$2.040B	$1.869B	$1.688B	$1.533B
Gross Profit Margin	38.68%	41.32%	42.88%	41.54%	41.68%	40.95%	39.3%	39.7%	41.66%	41.19%	41.63%	43.61%	43.51%	42.64%	43.45%	41.44%	42.69%	45.63%	46.87%	47.59%	48.64%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Selling, General & Admin	$867.8M	$964.2M	$1.051B	$1.041B	$1.272B	$1.167B	$1.232B	$1.669B	$1.175B	$1.169B	$1.200B	$1.141B	$1.004B	$914.2M	$926.0M	$813.9M	$769.8M	$728.3M	$599.8M	$576.1M	$530.0M
YoY Change	-10.0%	-8.28%	0.97%	-18.12%	8.96%	-5.24%	-26.22%	42.07%	0.48%	-2.53%	5.17%	13.56%	9.87%	-1.27%	13.77%	5.73%	5.7%	21.42%	4.11%	8.7%
% of Gross Profit	51.49%	52.14%	48.35%	51.84%	57.65%	50.98%	56.72%	77.53%	51.43%	50.62%	52.0%	46.17%	42.04%	41.29%	41.93%	37.18%	36.8%	35.71%	32.09%	34.13%	34.57%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$183.6M	$42.70M	$49.60M	$225.6M	$257.7M	$264.7M	$262.9M	$263.2M	$270.2M	$271.9M	$262.8M	$246.1M	$192.6M	$175.9M	$154.2M	$144.0M	$123.9M	$103.5M	$79.50M	$79.20M	$78.40M
YoY Change	329.98%	-13.91%	-78.01%	-12.46%	-2.64%	0.68%	-0.11%	-2.59%	-0.63%	3.46%	6.79%	27.78%	9.49%	14.07%	7.08%	16.22%	19.71%	30.19%	0.38%	1.02%
% of Gross Profit	10.89%	2.31%	2.28%	11.23%	11.68%	11.56%	12.11%	12.23%	11.83%	11.77%	11.39%	9.96%	8.06%	7.94%	6.98%	6.58%	5.92%	5.07%	4.25%	4.69%	5.11%
Operating Expenses	$867.8M	$964.2M	$1.051B	$1.041B	$1.272B	$1.167B	$1.232B	$1.669B	$1.175B	$1.169B	$1.200B	$1.141B	$1.004B	$914.2M	$926.0M	$813.9M	$769.8M	$728.3M	$599.8M	$576.1M	$530.0M
YoY Change	-10.0%	-8.28%	0.97%	-18.12%	8.96%	-5.24%	-26.22%	42.07%	0.48%	-2.53%	5.17%	13.56%	9.87%	-1.27%	13.77%	5.73%	5.7%	21.42%	4.11%	8.7%
Operating Profit	$817.5M	$884.9M	$1.123B	$967.3M	$934.0M	$1.122B	$475.8M	$483.7M	$1.109B	$1.141B	$1.107B	$1.330B	$1.385B	$1.300B	$1.283B	$1.375B	$1.322B	$1.311B	$1.269B	$1.112B	$1.003B
YoY Change	-7.62%	-21.21%	16.11%	3.57%	-16.76%	135.83%	-1.63%	-56.4%	-2.73%	2.99%	-16.74%	-3.97%	6.53%	1.36%	-6.72%	4.02%	0.81%	3.32%	14.13%	10.88%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Interest Expense	-$89.70M	-$87.10M	-$56.20M	-$115.3M	-$121.8M	-$88.00M	-$150.6M	-$131.3M	-$119.9M	-$167.3M	-$187.5M	-$173.6M	-$162.7M	-$169.6M	-$151.3M	-$132.9M	-$101.3M	$11.30M	$70.10M	-$13.50M	-$37.90M
YoY Change	2.99%	54.98%	-51.26%	-5.34%	38.41%	-41.57%	14.7%	9.51%	-28.33%	-10.77%	8.01%	6.7%	-4.07%	12.1%	13.84%	31.19%	-996.46%	-83.88%	-619.26%	-64.38%
% of Operating Profit	-10.97%	-9.84%	-5.0%	-11.92%	-13.04%	-7.84%	-31.65%	-27.14%	-10.81%	-14.67%	-16.93%	-13.05%	-11.75%	-13.05%	-11.8%	-9.66%	-7.66%	0.86%	5.52%	-1.21%	-3.78%
Other Income/Expense, Net	$0.00	$123.7M	-$187.7M	-$112.2M	$387.4M	-$130.7M	-$128.3M	-$142.0M	-$167.6M	-$172.3M	-$180.5M	-$161.2M	-$110.4M	-$154.9M	$100.0K	$16.60M	$1.700M	$12.40M	$4.800M	$0.00	-$2.500M
YoY Change	-100.0%	-165.9%	67.29%	-128.96%	-396.4%	1.87%	-9.65%	-15.27%	-2.73%	-4.54%	11.97%	46.01%	-28.73%	-155000.0%	-99.4%	876.47%	-86.29%	158.33%		-100.0%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003
Pretax Income	$745.8M	$1.009B	$935.4M	$855.1M	$1.321B	$991.4M	$347.5M	$341.7M	$941.8M	$968.2M	$926.9M	$1.169B	$423.9M	$151.4M	$1.132B	$1.239B	$1.222B	$1.335B	$1.344B	$1.099B	$962.6M
YoY Change	-26.06%	7.83%	9.39%	-35.29%	33.29%	185.29%	1.7%	-63.72%	-2.73%	4.46%	-20.7%	175.73%	179.99%	-86.62%	-8.65%	1.33%	-8.44%	-0.67%	22.35%	14.13%
Income Tax	$119.8M	$98.00M	$129.6M	$110.8M	$263.1M	$139.5M	$904.6M	$88.50M	$104.0M	$115.8M	$128.5M	$142.9M	$109.2M	$235.3M	$282.7M	$319.7M	$365.1M	$421.1M	$416.7M	$347.0M	$328.9M
% Of Pretax Income	16.06%	9.72%	13.86%	12.96%	19.91%	14.07%	260.32%	25.9%	11.04%	11.96%	13.86%	12.23%	25.76%	155.42%	24.98%	25.81%	29.87%	31.54%	31.0%	31.59%	34.17%
Net Earnings	$626.0M	$910.6M	$805.8M	$744.3M	$1.058B	$851.9M	-$557.1M	$253.2M	$837.8M	$852.4M	$798.4M	$1.026B	$1.165B	$909.9M	$848.8M	$919.0M	$857.3M	$914.0M	$927.4M	$751.6M	$633.7M
YoY Change	-31.25%	13.01%	8.26%	-29.67%	24.23%	-252.92%	-320.02%	-69.78%	-1.71%	6.76%	-22.18%	-11.97%	28.08%	7.2%	-7.64%	7.2%	-6.2%	-1.44%	23.39%	18.61%
Net Earnings / Revenue	14.37%	20.35%	15.89%	15.39%	20.0%	15.24%	-10.08%	4.67%	15.28%	15.2%	14.41%	18.11%	21.22%	17.52%	16.7%	17.4%	17.5%	20.45%	23.26%	21.19%	20.11%
Basic Earnings Per Share	$1.69	$2.35	$1.98	$1.81	$2.47	$1.89	-$1.19	$0.52	$1.63	$1.60	$1.43	$1.70	$1.85	$1.37
Diluted Earnings Per Share	$1.68	$2.34	$1.97	$1.79	$2.46	$1.87	-$1.19	$0.51	$1.62	$1.59	$1.43	$1.69	$1.84	$1.36	$1.211M	$1.245M	$1.109M	$1.189M	$1.214M	$983.9K	$829.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004
Cash & Short-Term Investments	$1.269B	$1.286B	$1.208B	$1.428B	$1.451B	$973.0M	$838.0M	$878.0M	$1.316B	$1.783B	$2.073B	$1.777B	$1.371B	$2.157B	$1.685B	$1.296B	$1.793B	$1.422B	$510.0M	$470.0M
YoY Change	-1.35%	6.42%	-15.39%	-1.59%	49.13%	16.11%	-4.56%	-33.28%	-26.19%	-13.99%	16.66%	29.61%	-36.44%	28.01%	30.02%	-27.72%	26.09%	178.82%	8.51%
Cash & Equivalents	$1.269B	$1.286B	$1.208B	$1.428B	$1.451B	$973.0M	$838.0M	$878.0M	$1.316B	$1.783B	$2.073B	$1.777B	$1.371B	$2.157B	$1.685B	$1.296B	$1.793B	$1.422B	$510.0M	$470.0M
Short-Term Investments
Other Short-Term Assets	$91.90M	$94.70M	$85.50M	$81.00M	$102.0M	$101.0M	$121.0M	$127.0M	$83.00M	$63.00M	$69.00M	$57.00M	$55.00M	$50.00M	$27.00M	$24.00M	$42.00M	$54.00M	$9.000M	$6.000M
YoY Change	-2.96%	10.76%	5.56%	-20.59%	0.99%	-16.53%	-4.72%	53.01%	31.75%	-8.7%	21.05%	3.64%	10.0%	85.19%	12.5%	-42.86%	-22.22%	500.0%	50.0%
Inventory
Prepaid Expenses
Receivables												$16.00M	$18.00M	$38.00M	$37.00M	$46.00M	$32.00M	$42.00M	$969.0M	$343.0M
Other Receivables												$21.00M	$38.00M	$26.00M	$94.00M	$331.0M	$0.00	$0.00	$0.00	$0.00
Total Short-Term Assets	$1.269B	$1.381B	$1.294B	$1.509B	$1.553B	$1.074B	$959.0M	$1.005B	$1.399B	$1.846B	$2.142B	$1.871B	$1.482B	$2.271B	$1.843B	$1.697B	$1.867B	$1.518B	$1.488B	$819.0M
YoY Change	-8.11%	6.71%	-14.26%	-2.83%	44.6%	11.99%	-4.58%	-28.16%	-24.21%	-13.82%	14.48%	26.25%	-34.74%	23.22%	8.6%	-9.11%	22.99%	2.02%	81.68%
Property, Plant & Equipment	$91.40M	$232.0M	$293.9M	$340.0M	$387.0M	$270.0M	$214.0M	$221.0M	$232.0M	$206.0M	$210.0M	$196.0M	$198.0M	$197.0M	$204.0M	$192.0M	$200.0M	$176.0M	$82.00M	$71.00M
YoY Change	-60.6%	-21.06%	-13.56%	-12.14%	43.33%	26.17%	-3.17%	-4.74%	12.62%	-1.9%	7.14%	-1.01%	0.51%	-3.43%	6.25%	-4.0%	13.64%	114.63%	15.49%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$210.4M	$210.9M	$204.7M	$35.00M	$33.00M	$31.00M	$29.00M	$40.00M	$43.00M	$42.00M	$141.0M	$41.00M	$41.00M	$86.00M	$87.00M	$213.0M	$211.0M	$165.0M	$150.0M	$156.0M
YoY Change	-0.24%	3.03%	484.86%	6.06%	6.45%	6.9%	-27.5%	-6.98%	2.38%	-70.21%	243.9%	0.0%	-52.33%	-1.15%	-59.15%	0.95%	27.88%	10.0%	-3.85%
Other Assets	$0.00	$303.1M	$1.482B									$33.00M	$34.00M	$33.00M	$38.00M	$49.00M	$55.00M	$120.0M	$102.0M	$89.00M
YoY Change	-100.0%	-79.55%										-2.94%	3.03%	-13.16%	-22.45%	-10.91%	-54.17%	17.65%	14.61%
Total Long-Term Assets	$6.930B	$7.116B	$7.530B	$7.987B	$7.206B	$7.923B	$8.272B	$8.415B	$8.050B	$8.044B	$7.979B	$7.595B	$7.588B	$5.658B	$5.510B	$3.881B	$3.917B	$3.863B	$3.160B	$2.560B
YoY Change	-2.61%	-5.5%	-5.73%	10.84%	-9.05%	-4.22%	-1.7%	4.53%	0.07%	0.81%	5.06%	0.09%	34.11%	2.69%	41.97%	-0.92%	1.4%	22.25%	23.44%
Total Assets	$8.199B	$8.496B	$8.824B	$9.496B	$8.759B	$8.997B	$9.231B	$9.420B	$9.449B	$9.890B	$10.12B	$9.466B	$9.070B	$7.929B	$7.353B	$5.578B	$5.784B	$5.381B	$4.648B	$3.379B
YoY Change
Accounts Payable	$453.0M	$464.0M	$450.2M	$501.0M	$602.0M	$565.0M	$719.0M	$1.130B	$607.0M	$600.0M	$639.0M	$556.0M	$535.0M	$520.0M	$501.0M	$386.0M	$350.0M	$312.0M	$239.0M	$218.0M
YoY Change	-2.37%	3.07%	-10.14%	-16.78%	6.55%	-21.42%	-36.37%	86.16%	1.17%	-6.1%	14.93%	3.93%	2.88%	3.79%	29.79%	10.29%	12.18%	30.54%	9.63%
Accrued Expenses	$164.6M	$198.7M	$208.4M	$235.0M	$242.0M
YoY Change	-17.16%	-4.65%	-11.32%	-2.89%
Deferred Revenue
YoY Change
Short-Term Debt	$364.9M	$180.0M	$275.0M	$80.00M	$245.0M	$125.0M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$583.0M	$338.0M	$328.0M	$164.0M	$10.00M
YoY Change	102.72%	-34.55%	243.75%	-67.35%	96.0%										-100.0%	72.49%	3.05%	100.0%	1540.0%
Long-Term Debt Due	$0.00	$300.0M	$0.00	$48.00M	$0.00	$0.00											$500.0M	$0.00
YoY Change	-100.0%		-100.0%
Total Short-Term Liabilities	$1.113B	$1.868B	$1.804B	$1.793B	$2.109B	$1.744B	$1.971B	$1.537B	$819.0M	$766.0M	$856.0M	$774.0M	$837.0M	$877.0M	$1.020B	$1.351B	$1.468B	$882.0M	$403.0M	$228.0M
YoY Change	-40.44%	3.53%	0.63%	-14.98%	20.93%	-11.52%	28.24%	87.67%	6.92%	-10.51%	10.59%	-7.53%	-4.56%	-14.02%	-24.5%	-7.97%	66.44%	118.86%	76.75%
Long-Term Debt	$2.505B	$2.137B	$2.733B	$2.940B	$2.984B	$3.309B	$3.034B	$2.786B	$3.216B	$3.720B	$4.213B	$4.029B	$3.583B	$3.290B	$3.049B	$2.561B	$2.500B	$2.996B	$0.00	$0.00
YoY Change	17.21%	-21.83%	-7.03%	-1.47%	-9.82%	9.06%	8.9%	-13.37%	-13.55%	-11.7%	4.57%	12.45%	8.91%	7.9%	19.06%	2.44%	-16.56%
Other Long-Term Liabilities	$3.955B	$3.855B	$3.726B	$4.389B	$3.553B	$4.093B	$4.546B	$4.109B	$3.738B	$3.798B	$3.629B	$3.369B	$3.365B	$2.890B	$2.662B	$1.406B	$1.502B	$1.483B	$1.106B	$939.0M
YoY Change	2.59%	3.46%	-15.1%	23.53%	-13.19%	-9.96%	10.64%	9.93%	-1.58%	4.66%	7.72%	0.12%	16.44%	8.56%	89.33%	-6.39%	1.28%	34.09%	17.78%
Total Long-Term Liabilities	$6.460B	$5.992B	$6.460B	$7.329B	$6.537B	$7.402B	$7.580B	$6.895B	$6.954B	$7.518B	$7.842B	$7.398B	$6.948B	$6.180B	$5.711B	$3.967B	$4.002B	$4.479B	$1.106B	$939.0M
YoY Change	7.81%	-7.24%	-11.86%	12.12%	-11.69%	-2.35%	9.93%	-0.85%	-7.5%	-4.13%	6.0%	6.48%	12.43%	8.21%	43.96%	-0.87%	-10.65%	304.97%	17.78%
Total Liabilities	$7.720B	$8.019B	$8.468B	$9.310B	$8.798B	$9.307B	$9.723B	$8.517B	$8.044B	$8.590B	$9.017B	$8.525B	$8.175B	$7.347B	$7.000B	$5.586B	$5.734B	$5.696B	$1.836B	$1.444B
YoY Change	-3.73%	-5.31%	-9.05%	5.82%	-5.47%	-4.28%	14.16%	5.88%	-6.36%	-4.74%	5.77%	4.28%	11.27%	4.96%	25.31%	-2.58%	0.67%	210.24%	27.15%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	370.8M	387.2M	406.8M	412.3M	427.6M	451.8M	467.9M	490.2M shares	512.6M shares	533.4M shares	556.6M shares	604.9M shares	630.6M shares	666.5M shares
Diluted Shares Outstanding	371.8M	388.4M	408.9M	415.2M	430.9M	454.4M	467.9M	493.5M shares	516.7M shares	536.8M shares	559.7M shares	607.4M shares	634.2M shares	668.9M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $3.628 Billion

About Western Union CO

The Western Union Co. is a holding company, which engages in the provision of money transfer and payment services. The company is headquartered in Denver, Colorado and currently employs 9,000 full-time employees. The company went IPO on 2006-09-20. The Company’s segments include Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers, which are primarily sent from retail agent locations worldwide or through Websites and mobile devices. Its money transfer service is provided through one interconnected global network. This service is available for international cross-border transfers and, in certain countries, intra-country transfers. The Consumer Services segment includes the Company’s bill payment services, which facilitate payments for consumers, businesses, and other organizations, as well as the Company’s money order services, retail foreign exchange services, prepaid cards, lending partnerships, digital wallets, and media networks. Its services are available through a network of agent locations in more than 200 countries and territories.

Industry: Services-Business Services, NEC Peers: Affirm Holdings, Inc. Concentrix Corp EURONET WORLDWIDE, INC. ExlService Holdings, Inc. Marqeta, Inc. MAXIMUS, INC. SS&C Technologies Holdings Inc Toast, Inc. VISA INC. WEX Inc.