Western Union Co. | Mid-cap | Financial Services
$8.07
-0.25%
| Western Union Stock Comparison:
Western Union vs VisaWestern Union vs MastercardWestern Union vs FirstCash HoldingsWestern Union vs OneMain HoldingsWestern Union vs Credit AcceptanceWestern Union vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Mar 2025

Income Metrics

Revenue 983.6M
Gross Profit 364.4M 37.05%
Operating Income 177.4M 18.04%
Net Income 123.5M 12.56%
EPS (Diluted) $0.36

Balance Sheet Metrics

Total Assets 8.3B
Total Liabilities 7.4B
Shareholders Equity 939.4M
Debt to Equity 7.88

Cash Flow Metrics

Operating Cash Flow 150.3M
Free Cash Flow 123.8M

Revenue & Profitability Trend

Western Union Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 4.2B 4.4B 4.5B 5.1B 4.8B
Cost of Goods Sold i 2.6B 2.7B 2.6B 2.9B 2.8B
Gross Profit i 1.6B 1.7B 1.8B 2.2B 2.0B
Gross Margin % i 37.8% 38.7% 41.3% 42.9% 41.5%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 863.4M 867.8M 964.2M 1.1B 1.0B
Other Operating Expenses i - - - - -
Total Operating Expenses i 863.4M 867.8M 964.2M 1.1B 1.0B
Operating Income i 725.8M 817.5M 884.9M 1.1B 967.3M
Operating Margin % i 17.2% 18.8% 19.8% 22.1% 20.0%
Non-Operating Items
Interest Income i 11.9M 15.6M 13.9M 1.4M 3.2M
Interest Expense i 119.8M 105.3M 101.0M 105.5M 118.5M
Other Non-Operating Income 700.0K 18.0M 210.8M -83.6M 3.1M
Pre-tax Income i 618.6M 745.8M 1.0B 935.4M 855.1M
Income Tax i -315.6M 119.8M 98.0M 129.6M 110.8M
Effective Tax Rate % i -51.0% 16.1% 9.7% 13.9% 13.0%
Net Income i 934.2M 626.0M 910.6M 805.8M 744.3M
Net Margin % i 22.2% 14.4% 20.3% 15.9% 15.4%
Key Metrics
EBITDA i 917.5M 1.0B 1.0B 1.2B 1.2B
EPS (Basic) i $2.75 $1.69 $2.35 $1.98 $1.81
EPS (Diluted) i $2.74 $1.68 $2.34 $1.97 $1.79
Basic Shares Outstanding i 340000000 370800000 387200000 406800000 412300000
Diluted Shares Outstanding i 340000000 370800000 387200000 406800000 412300000

Income Statement Trend

Western Union Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 2.1B 1.8B 1.3B 1.2B 2.1B
Short-term Investments i 1.3B 1.5B - 1.4B 2.0B
Accounts Receivable i 1.4B 1.7B - 1.2B 1.1B
Inventory i - - - - -
Other Current Assets - - - -566.0M -
Total Current Assets i 5.2B 5.2B 1.5B 2.6B 5.5B
Non-Current Assets
Property, Plant & Equipment i 541.6M 500.0M 466.5M 293.9M 798.0M
Goodwill i 4.4B 4.4B 4.5B 4.5B 5.6B
Intangible Assets i 315.4M 380.2M 457.9M 417.1M 505.0M
Long-term Investments - - 126.1M 247.7M 453.3M
Other Non-Current Assets 365.4M 108.8M 4.3B 3.0B 83.3M
Total Non-Current Assets i 3.2B 3.0B 6.9B 6.2B 4.0B
Total Assets i 8.4B 8.2B 8.5B 8.8B 9.5B
Liabilities
Current Liabilities
Accounts Payable i 407.9M 453.0M 464.0M 450.2M 500.9M
Short-term Debt i - 864.9M 680.0M 775.0M 580.0M
Current Portion of Long-term Debt - - - - -
Other Current Liabilities 46.7M 46.9M 182.5M 627.6M -
Total Current Liabilities i 4.1B 5.7B 2.1B 2.7B 5.9B
Non-Current Liabilities
Long-term Debt i 3.1B 1.8B 1.9B 2.4B 2.7B
Deferred Tax Liabilities i 155.6M 147.6M 158.5M 203.8M 188.9M
Other Non-Current Liabilities 22.8M 39.2M 3.9B 2.9B 60.1M
Total Non-Current Liabilities i 3.3B 2.0B 6.0B 5.7B 3.4B
Total Liabilities i 7.4B 7.7B 8.0B 8.5B 9.3B
Equity
Common Stock i 3.4M 3.5M 3.7M 3.9M 4.1M
Retained Earnings i 35.2M -389.1M -353.9M -537.2M -543.1M
Treasury Stock i - - - - -
Other Equity - - - - -
Total Shareholders Equity i 968.9M 479.0M 477.8M 355.6M 186.6M
Key Metrics
Total Debt i 3.1B 2.7B 2.6B 3.2B 3.3B
Working Capital i 1.1B -466.8M -504.3M -95.8M -401.9M

Balance Sheet Composition

Western Union Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 934.2M 626.0M 910.6M 805.8M 744.3M
Depreciation & Amortization i 179.1M 183.6M 183.8M 208.2M 225.6M
Stock-Based Compensation i - - - - -
Working Capital Changes i -187.1M -43.3M -194.0M -121.4M -157.7M
Operating Cash Flow i 800.9M 869.2M 989.1M 1.0B 971.9M
Investing Activities
Capital Expenditures i -37.4M -22.9M -31.9M -37.7M -36.5M
Acquisitions i 0 0 887.2M -149.1M 49.4M
Investment Purchases i -396.7M -495.3M -1.6B -433.0M -6.4B
Investment Sales i 526.2M 506.0M 1.4B 985.0M 6.2B
Investing Cash Flow i 76.9M -15.9M 701.8M 368.9M -253.2M
Financing Activities
Share Repurchases i -186.2M -308.4M -369.9M -409.9M -239.7M
Dividends Paid i -321.5M -349.0M -364.2M -381.6M -370.3M
Debt Issuance i 798.1M 0 0 891.7M 0
Debt Repayment i 0 -300.0M -300.0M -1.2B 0
Financing Cash Flow i -69.3M -897.0M -1.2B -1.3B -188.1M
Free Cash Flow i 275.7M 635.3M 373.4M 830.7M 720.7M
Net Change in Cash i 808.5M -43.7M 504.1M 127.4M 530.6M

Cash Flow Trend

Western Union Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 3.09
Forward P/E 4.49
Price to Book 3.00
Price to Sales 0.64
PEG Ratio -0.26

Profitability Ratios

Profit Margin 21.84%
Operating Margin 18.78%
Return on Equity 135.32%
Return on Assets 5.76%

Financial Health

Current Ratio 0.26
Debt to Equity 311.14
Beta 0.63

Per Share Data

EPS (TTM) $2.64
Book Value per Share $2.73
Revenue per Share $12.22

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
wu 2.6B 3.09 3.00 135.32% 21.84% 311.14
Visa 682.0B 34.35 18.00 51.76% 52.16% 65.02
Mastercard 521.1B 39.07 66.89 176.95% 44.93% 240.92
FirstCash Holdings 7.0B 23.83 3.21 14.17% 8.61% 94.52
OneMain Holdings 6.6B 9.89 1.96 20.50% 24.07% 663.05
Credit Acceptance 5.5B 14.24 3.56 27.30% 36.18% 416.24

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