Western Union (WU) | Financial Analysis & Statements

Western Union Co. | Mid-cap | Financial Services

$8.52

-1.16%

Western Union vs Visa Western Union vs Mastercard Western Union vs Synchrony Financial Western Union vs SLM Western Union vs OneMain Holdings Western Union vs S&P 500 | Market

Overview Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

Financial Overview

Latest Annual: 2024

Income Metrics

Revenue 4.2B

Gross Profit 1.6B 37.75%

Operating Income 725.8M 17.24%

Net Income 934.2M 22.19%

EPS (Diluted) $2.74

Balance Sheet Metrics

Total Assets 8.4B

Total Liabilities 7.4B

Shareholders Equity 968.9M

Debt to Equity 7.64

Cash Flow Metrics

Operating Cash Flow 800.9M

Free Cash Flow 275.7M

Revenue & Profitability Trend

Western Union Income Statement From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Revenue	4.2B	4.4B	4.5B	5.1B	4.8B
Cost of Goods Sold	2.6B	2.7B	2.6B	2.9B	2.8B
Gross Profit	1.6B	1.7B	1.8B	2.2B	2.0B
Operating Expenses	863.4M	867.8M	964.2M	1.1B	1.0B
Operating Income	725.8M	817.5M	884.9M	1.1B	967.3M
Pre-tax Income	618.6M	745.8M	1.0B	935.4M	855.1M
Income Tax	-315.6M	119.8M	98.0M	129.6M	110.8M
Net Income	934.2M	626.0M	910.6M	805.8M	744.3M
EPS (Diluted)	$2.74	$1.68	$2.34	$1.97	$1.79

Income Statement Trend

Western Union Balance Sheet From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Assets
Current Assets	5.2B	5.2B	1.5B	2.6B	5.5B
Non-Current Assets	3.2B	3.0B	6.9B	6.2B	4.0B
Total Assets	8.4B	8.2B	8.5B	8.8B	9.5B
Liabilities
Current Liabilities	4.1B	5.7B	2.1B	2.7B	5.9B
Non-Current Liabilities	3.3B	2.0B	6.0B	5.7B	3.4B
Total Liabilities	7.4B	7.7B	8.0B	8.5B	9.3B
Equity
Total Shareholders Equity	968.9M	479.0M	477.8M	355.6M	186.6M

Balance Sheet Composition

Western Union Cash Flow Statement From 2020 to 2024

Metric	2024	2023	2022	2021	2020
Operating Activities
Net Income	934.2M	626.0M	910.6M	805.8M	744.3M
Operating Cash Flow	800.9M	869.2M	989.1M	1.0B	971.9M
Investing Activities
Capital Expenditures	-37.4M	-22.9M	-31.9M	-37.7M	-36.5M
Investing Cash Flow	76.9M	-15.9M	701.8M	368.9M	-253.2M
Financing Activities
Dividends Paid	-321.5M	-349.0M	-364.2M	-381.6M	-370.3M
Financing Cash Flow	-69.3M	-897.0M	-1.2B	-1.3B	-188.1M
Free Cash Flow	275.7M	635.3M	373.4M	830.7M	720.7M

Cash Flow Trend

Western Union Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 3.18

Forward P/E 4.70

Price to Book 3.03

Price to Sales 0.68

PEG Ratio 4.70

Profitability Ratios

Profit Margin 22.08%

Operating Margin 18.04%

Return on Equity 136.84%

Return on Assets 5.66%

Financial Health

Current Ratio 0.30

Debt to Equity 297.14

Beta 0.71

Per Share Data

EPS (TTM) $2.69

Book Value per Share $2.83

Revenue per Share $12.25

Peer Financial Comparison

Company	Market Cap	P/E Ratio	P/B Ratio	ROE	Profit Margin	Debt/Equity
wu	2.8B	3.18	3.03	136.84%	22.08%	297.14
Visa	679.7B	34.97	17.57	50.66%	52.86%	54.59
Mastercard	492.5B	37.98	73.98	187.70%	45.21%	280.80
Synchrony Financial	9.9B	-	0.63	18.60%	34.04%	1.03
SLM	6.7B	11.08	3.11	27.60%	42.99%	256.05
OneMain Holdings	6.4B	11.42	1.96	17.46%	21.95%	655.31

Financial data is updated regularly. All figures are in the company's reporting currency.