Skip to content
Company Analysis

Western Union Company (The) WU

A comprehensive view of key metrics, scores, and financial health for Western Union Company (The)

Overview of The Western Union Company

WU NYQ
Financial Services Credit Services Framework: Software & SaaS Small Cap
The Western Union Company (WU), is a Small Cap company, in the Credit Services industry, last closed at $6.21, about 807.7% undervalued vs fair value, -34.6% 1Y return, ranked 479/1078 in sector.
Metrics P/E 6.1× Rev Growth -3.8% ROE 51.9% Gross Margin 37.0% Div Yield 10.44%
USD 6.21
-2.05%
(Delayed)
• Vol 90d: 48.9%
52-Week Range
Market Cap
$1.94B
Enterprise Value
$3.27B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 95%
Updated: Oct 24
Top Beats

Quick Facts

Website https://www.westernunion.com
HQ Denver, CO
Employees 9,600
Fiscal year Dec 31

Next Events

Earnings Nov 4 Call: Nov 4

Fair Value Snapshot

Bear Base Bull
$52
$56
$62
Current: $6.21 +808% vs base

Engine Room Money Flow™

Small Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$4.1B
-3.8%%
Gross Profit
$1.5B
-5.6%%
Operating Income (GAAP)
$757.3M
4.3%%
Operating Cash Flow
$543.7M
33.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
37.0%
Fair

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$543.6M
138.4% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
4
Active Leaks
0/4
Improving
1
High Impact
1
Critical
Locked Leak
Upgrade to view details
Premium
Locked Leak
Upgrade to view details
Premium
Locked Leak
Upgrade to view details
Premium
Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating Western Union Company (The)'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Premium Software Margins Gross margin quality is strong versus peers (score 0.80), consistent with premium software economics.
  • Asset-Light Returns Return profile is strong (score 0.86), supporting a capital-efficient model.

Key risks

  • Contracted Demand Looks Thin Contracted demand signal is weak (score 0.14), limiting evidence of strong subscription stickiness.
  • FCF Trend Is Softening FCF trend is weak (score 0.31), suggesting cash scalability is deteriorating.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Pricing Power

Strong
77
Premium

Signals, strengths and risks for Pricing Power

Premium

Signals, strengths and risks for Recurring Revenue Stickiness

Premium

Signals, strengths and risks for Innovation Engine

Premium

Signals, strengths and risks for Cash Scalability

Premium

Signals, strengths and risks for Capital Efficiency

Premium

Signals, strengths and risks for Balance Sheet Resilience

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing WU's balance between Growth (21.9%), Profitability (44.0%), and Safety (34.2%). Growth 22% Safety 34% Profitability 44%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

26th percentile vs peers
26
Key Signals
Buyback % -6.6% 92p TSR -3.0% 53p Rev Growth YoY -3.8% 20p Revenue CAGR 3Y -3.3% 21p EPS Growth YoY -44.3% 9p
Strengths
  • Superior capital returns - 2 return metrics above peer median
  • Operating Margin in top 20% of peers (18.7%, 86th percentile)
Risks
  • Rev Growth YoY in bottom 20% of peers (-3.8%)
  • Def Rev Growth in bottom 20% of peers (-1.00)

Profitability

52th percentile vs peers
52
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

40th percentile vs peers
41
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Western Union Company (The).

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$56.37
- - -
+807.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000