Western Union Co Stock Analysis

WU Stock  USD 11.06  0.20  1.84%   
Western Union Co is undervalued with Real Value of 12.2 and Target Price of 13.17. The main objective of Western Union stock analysis is to determine its intrinsic value, which is an estimate of what Western Union Co is worth, separate from its market price. There are two main types of Western Union's stock analysis: fundamental analysis and technical analysis.
The Western Union stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Western Union is usually not traded on Memorial Day, Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday. Western Stock trading window is adjusted to America/New York timezone.
  
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in Western Union Co. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in employment.

Western Stock Analysis Notes

About 94.0% of the company outstanding shares are owned by institutional investors. The company has Price/Earnings To Growth (PEG) ratio of 2.25. Western Union last dividend was issued on the 16th of September 2024. The Western Union Company provides money movement and payment services worldwide. The company was founded in 1851 and is headquartered in Denver, Colorado. Western Union operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 10500 people. For more information please call Hikmet Ersek at 866 405 5012 or visit https://www.westernunion.com.

Western Union Quarterly Total Revenue

1.04 Billion

Western Union Investment Alerts

Western Union generated a negative expected return over the last 90 days
Western Union Co reports 2.67 B of total liabilities with total debt to equity ratio (D/E) of 4.94, which implies that the company may not be able to produce enough cash to satisfy its debt commitments. Western Union has a current ratio of 0.44, implying that it has not enough working capital to pay out debt commitments in time. Note however, debt could still be an excellent tool for Western to invest in growth at high rates of return.
Over 94.0% of Western Union outstanding shares are owned by institutional investors
On 30th of September 2024 Western Union paid $ 0.235 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: Why Is Western Union Down 2.7 percent Since Last Earnings Report

Western Union Upcoming and Recent Events

6th of February 2024
Upcoming Quarterly Report
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7th of May 2024
Next Financial Report
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31st of December 2023
Next Fiscal Quarter End
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6th of February 2024
Next Fiscal Year End
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30th of September 2023
Last Quarter Report
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31st of December 2022
Last Financial Announcement
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Western Largest EPS Surprises

Earnings surprises can significantly impact Western Union's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2023-10-25
2023-09-300.390.430.0410 
2017-05-02
2017-03-310.390.35-0.0410 
2016-08-03
2016-06-300.40.440.0410 
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Western Union Environmental, Social, and Governance (ESG) Scores

Western Union's ESG score is a quantitative measure that evaluates Western Union's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Western Union's operations that may have significant financial implications and affect Western Union's stock price as well as guide investors towards more socially responsible investments.

Western Union Thematic Classifications

In addition to having Western Union stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
Banks Idea
Banks
All money banks and credit services
Business Services Idea
Business Services
USA Equities from Business Services industry as classified by Fama & French

Western Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Morgan Stanley - Brokerage Accounts2024-06-30
7.1 M
Northern Trust Corp2024-09-30
M
Jupiter Asset Management Limited2024-09-30
M
Discerene Group Lp2024-09-30
6.7 M
Schroder Investment Management Group2024-06-30
6.3 M
Bank Of New York Mellon Corp2024-06-30
4.9 M
Dimensional Fund Advisors, Inc.2024-09-30
4.6 M
Millennium Management Llc2024-06-30
3.7 M
Marshall Wace Asset Management Ltd2024-06-30
3.3 M
Vanguard Group Inc2024-09-30
37.7 M
Blackrock Inc2024-06-30
33.9 M
Note, although Western Union's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Western Market Capitalization

The company currently falls under 'Mid-Cap' category with a market capitalization of 3.74 B.

Western Profitablity

The company has Net Profit Margin (PM) of 0.16 %, which suggests that even a small decline in it sales will erase profits and may result in a net loss, or a negative profit margin. This is way below average. Likewise, it shows Net Operating Margin (NOM) of 0.19 %, which signifies that for every $100 of sales, it has a net operating income of $0.19.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.11  0.18 
Return On Capital Employed 0.11  0.10 
Return On Assets 0.08  0.12 
Return On Equity 1.31  1.37 

Management Efficiency

Western Union has Return on Asset (ROA) of 0.0618 % which means that for every $100 of assets, it generated a profit of $0.0618. This is way below average. Likewise, it shows a return on total equity (ROE) of 1.0669 %, which means that it produced $1.0669 on every 100 dollars invested by current stockholders. Western Union's management efficiency ratios could be used to measure how well Western Union manages its routine affairs as well as how well it operates its assets and liabilities. At this time, Western Union's Return On Tangible Assets are comparatively stable compared to the past year. Return On Assets is likely to gain to 0.12 in 2024, whereas Return On Capital Employed is likely to drop 0.10 in 2024. Liabilities And Stockholders Equity is likely to gain to about 8.4 B in 2024, whereas Total Current Liabilities is likely to drop slightly above 626.5 M in 2024.
Last ReportedProjected for Next Year
Book Value Per Share 1.29  1.23 
Tangible Book Value Per Share(5.22)(5.48)
Enterprise Value Over EBITDA 5.81  9.42 
Price Book Value Ratio 9.23  9.69 
Enterprise Value Multiple 5.81  9.42 
Price Fair Value 9.23  9.69 
Enterprise Value15 B15.2 B
Western Union benefits from a management team that prioritizes both innovation and efficiency. We analyze these priorities to gauge the stock's future performance.
Dividend Yield
0.085
Operating Margin
0.1881
Profit Margin
0.1607
Forward Dividend Yield
0.085
Beta
0.888

Technical Drivers

As of the 24th of November, Western Union maintains the Market Risk Adjusted Performance of (0.20), standard deviation of 1.21, and Mean Deviation of 0.9022. Relative to fundamental indicators, the technical analysis model lets you check existing technical drivers of Western Union Co, as well as the relationship between them.

Western Union Price Movement Analysis

The output start index for this execution was two with a total number of output elements of fifty-nine. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Western Union middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Western Union. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Western Union Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Western Union insiders, such as employees or executives, is commonly permitted as long as it does not rely on Western Union's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Western Union insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

Western Union Outstanding Bonds

Western Union issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Western Union uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Western bonds can be classified according to their maturity, which is the date when Western Union Co has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Western Union Predictive Daily Indicators

Western Union intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Western Union stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Western Union Corporate Filings

13A
14th of November 2024
The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934
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13A
12th of November 2024
An amended filing to the original Schedule 13G
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8K
23rd of October 2024
Report filed with the SEC to announce major events that shareholders should know about
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13A
18th of October 2024
The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934
ViewVerify
F4
7th of October 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
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F4
4th of October 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
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F4
7th of August 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
30th of July 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

Western Union Forecast Models

Western Union's time-series forecasting models are one of many Western Union's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Western Union's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Western Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Western Union prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Western shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Western Union. By using and applying Western Stock analysis, traders can create a robust methodology for identifying Western entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.17  0.23 
Operating Profit Margin 0.19  0.24 
Net Profit Margin 0.14  0.18 
Gross Profit Margin 0.34  0.46 

Current Western Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Western analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Western analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
13.17Hold19Odds
Western Union Co current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Western analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Western stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Western Union, talking to its executives and customers, or listening to Western conference calls.
Western Analyst Advice Details

Western Stock Analysis Indicators

Western Union Co stock analysis indicators help investors evaluate how Western Union stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Western Union shares will generate the highest return on investment. By understating and applying Western Union stock analysis, traders can identify Western Union position entry and exit signals to maximize returns.
Begin Period Cash FlowB
Total Stockholder Equity479 M
Capital Lease Obligations162.3 M
Property Plant And Equipment Net218 M
Cash And Short Term Investments1.3 B
Cash1.3 B
50 Day M A11.3796
Net Interest Income-87.6 M
Total Current Liabilities659.5 M
Forward Price Earnings6.1087
Investments82.3 M
Interest Expense105.3 M
Stock Based Compensation35.9 M
Long Term Debt2.1 B
Common Stock Shares Outstanding371.8 M
Tax Provision69.8 M
Quarterly Earnings Growth Y O Y0.706
Accounts Payable453 M
Net Debt902.3 M
Other Operating Expenses3.5 B
Non Current Assets Total6.6 B
Liabilities And Stockholders Equity8.2 B
Non Currrent Assets OtherB

Additional Tools for Western Stock Analysis

When running Western Union's price analysis, check to measure Western Union's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Western Union is operating at the current time. Most of Western Union's value examination focuses on studying past and present price action to predict the probability of Western Union's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Western Union's price. Additionally, you may evaluate how the addition of Western Union to your portfolios can decrease your overall portfolio volatility.