Is Western Union Stock a Good Investment?
Western Union Investment Advice | WU |
- Examine Western Union's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Western Union's leadership team and their track record. Good management can help Western Union navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Transaction & Payment Processing Services space and any emerging trends that could impact Western Union's business and its evolving consumer preferences.
- Compare Western Union's performance and market position to its competitors. Analyze how Western Union is positioned in terms of product offerings, innovation, and market share.
- Check if Western Union pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Western Union's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Western Union Co stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Western Union Co is a good investment.
Sell | Buy |
Strong Buy
Market Performance | Weak | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Western Union Stock
Researching Western Union's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 95.0% of the company outstanding shares are owned by institutional investors. The book value of Western Union was at this time reported as 2.87. The company has Price/Earnings To Growth (PEG) ratio of 2.17. Western Union last dividend was issued on the 17th of March 2025.
To determine if Western Union is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Western Union's research are outlined below:
| Western Union Co reports 3.13 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 95.0% of Western Union outstanding shares are owned by institutional investors | |
| Latest headline from zacks.com: Western Union Stock Falls Amid Market Uptick What Investors Need to Know |
Western Union Quarterly Good Will |
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Western Union uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Western Union Co. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Western Union's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 6th of February 2024 Upcoming Quarterly Report | View | |
| 7th of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 6th of February 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
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. Below are the table of largest EPS Surprises Western Union's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2023-10-25 | 2023-09-30 | 0.39 | 0.43 | 0.04 | 10 | ||
2017-05-02 | 2017-03-31 | 0.39 | 0.35 | -0.04 | 10 | ||
2016-08-03 | 2016-06-30 | 0.4 | 0.44 | 0.04 | 10 | ||
2013-10-29 | 2013-09-30 | 0.35 | 0.39 | 0.04 | 11 | ||
2010-07-27 | 2010-06-30 | 0.32 | 0.36 | 0.04 | 12 | ||
2020-02-11 | 2019-12-31 | 0.43 | 0.38 | -0.05 | 11 | ||
2011-07-26 | 2011-06-30 | 0.37 | 0.42 | 0.05 | 13 | ||
2009-04-21 | 2009-03-31 | 0.27 | 0.32 | 0.05 | 18 |
Western Union Target Price Consensus
Western target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Western Union's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 19 | Hold |
Most Western analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Western stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Western Union, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationWestern Union Target Price Projection
Western Union's current and average target prices are 10.48 and 12.60, respectively. The current price of Western Union is the price at which Western Union Co is currently trading. On the other hand, Western Union's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Western Union Market Quote on 24th of March 2025
Target Price
Analyst Consensus On Western Union Target Price
Western Union Analyst Ratings
Western Union's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Western Union stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Western Union's financials, market performance, and future outlook by experienced professionals. Western Union's historical ratings below, therefore, can serve as a valuable tool for investors.Know Western Union's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Western Union is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Western Union Co backward and forwards among themselves. Western Union's institutional investor refers to the entity that pools money to purchase Western Union's securities or originate loans. 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 | Allianz Asset Management Ag | 2024-12-31 | 6.9 M | Discerene Group Lp | 2024-12-31 | 6.7 M | Bank Of New York Mellon Corp | 2024-12-31 | 6.3 M | Amvescap Plc. | 2024-12-31 | 5.7 M | Morgan Stanley - Brokerage Accounts | 2024-12-31 | 5.4 M | Dimensional Fund Advisors, Inc. | 2024-12-31 | 5.1 M | First Trust Advisors L.p. | 2024-12-31 | 3.6 M | Macquarie Group Ltd | 2024-12-31 | 2.9 M | Ameriprise Financial Inc | 2024-12-31 | 2.6 M | Vanguard Group Inc | 2024-12-31 | 38.1 M | Blackrock Inc | 2024-12-31 | 33.4 M |
Western Union's market capitalization trends
The company currently falls under 'Mid-Cap' category with a market capitalization of 3.6 B.Market Cap |
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Western Union's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.16 | 0.18 | |
| Return On Capital Employed | 0.17 | 0.24 | |
| Return On Assets | 0.11 | 0.12 | |
| Return On Equity | 0.96 | 1.01 |
Determining Western Union's profitability involves analyzing its financial statements and using various financial metrics to determine if Western Union is a good buy. For example, gross profit margin measures Western Union's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Western Union's profitability and make more informed investment decisions.
Western Union's Earnings Breakdown by Geography
Please note, the imprecision that can be found in Western Union's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Western Union Co. Check Western Union's Beneish M Score to see the likelihood of Western Union's management manipulating its earnings.
Evaluate Western Union's management efficiency
Western Union has Return on Asset (ROA) of 0.0582 % which means that for every $100 of assets, it generated a profit of $0.0582. This is way below average. Likewise, it shows a return on total equity (ROE) of 1.2904 %, which means that it produced $1.2904 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. Return On Tangible Assets is likely to gain to 0.18 in 2025. Return On Capital Employed is likely to gain to 0.24 in 2025. At this time, Western Union's Liabilities And Stockholders Equity is comparatively stable compared to the past year. Non Current Liabilities Total is likely to gain to about 6.1 B in 2025, whereas Total Current Liabilities is likely to drop slightly above 2.3 B in 2025.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 2.85 | 2.99 | |
| Tangible Book Value Per Share | (4.14) | (4.34) | |
| Enterprise Value Over EBITDA | 5.05 | 9.21 | |
| Price Book Value Ratio | 3.72 | 3.91 | |
| Enterprise Value Multiple | 5.05 | 9.21 | |
| Price Fair Value | 3.72 | 3.91 | |
| Enterprise Value | 15 B | 15.2 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.
Basic technical analysis of Western Stock
As of the 24th of March, Western Union maintains the Mean Deviation of 1.27, market risk adjusted performance of 0.1063, and Downside Deviation of 1.83. 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's 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's Outstanding Corporate 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 UN 62 Corp BondUS959802AM19 | View | |
| WESTERN UN 62 Corp BondUS959802AH24 | View | |
| AerCap Global Aviation Corp BondUS00773HAA59 | View |
Understand Western Union's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Western Union's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0373 | |||
| Market Risk Adjusted Performance | 0.1063 | |||
| Mean Deviation | 1.27 | |||
| Semi Deviation | 1.75 | |||
| Downside Deviation | 1.83 | |||
| Coefficient Of Variation | 2771.43 | |||
| Standard Deviation | 1.89 | |||
| Variance | 3.58 | |||
| Information Ratio | 0.0664 | |||
| Jensen Alpha | 0.0991 | |||
| Total Risk Alpha | 0.202 | |||
| Sortino Ratio | 0.0686 | |||
| Treynor Ratio | 0.0963 | |||
| Maximum Drawdown | 11.48 | |||
| Value At Risk | (3.07) | |||
| Potential Upside | 3.54 | |||
| Downside Variance | 3.35 | |||
| Semi Variance | 3.08 | |||
| Expected Short fall | (1.38) | |||
| Skewness | 0.1902 | |||
| Kurtosis | 2.79 |
| Risk Adjusted Performance | 0.0373 | |||
| Market Risk Adjusted Performance | 0.1063 | |||
| Mean Deviation | 1.27 | |||
| Semi Deviation | 1.75 | |||
| Downside Deviation | 1.83 | |||
| Coefficient Of Variation | 2771.43 | |||
| Standard Deviation | 1.89 | |||
| Variance | 3.58 | |||
| Information Ratio | 0.0664 | |||
| Jensen Alpha | 0.0991 | |||
| Total Risk Alpha | 0.202 | |||
| Sortino Ratio | 0.0686 | |||
| Treynor Ratio | 0.0963 | |||
| Maximum Drawdown | 11.48 | |||
| Value At Risk | (3.07) | |||
| Potential Upside | 3.54 | |||
| Downside Variance | 3.35 | |||
| Semi Variance | 3.08 | |||
| Expected Short fall | (1.38) | |||
| Skewness | 0.1902 | |||
| Kurtosis | 2.79 |
Consider Western Union's intraday 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
F4 | 28th of February 2025 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 |
10K | 20th of February 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
| 14th of February 2025 Other Reports | ViewVerify | |
8K | 4th of February 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
Western Stock media impact
Far too much social signal, news, headlines, and media speculation about Western Union that are available to investors today. That information is available publicly through Western media outlets and privately through word of mouth or via Western internal channels. However, regardless of the origin, that massive amount of Western data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Western Union news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Western Union relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Western Union's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Western Union alpha.
Western Union Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Western Union can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Western Union Historical Investor Sentiment
Investor biases related to Western Union's public news can be used to forecast risks associated with an investment in Western. The trend in average sentiment can be used to explain how an investor holding Western can time the market purely based on public headlines and social activities around Western Union Co. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Western Union's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Western Union and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average Western Union news discussions. The higher the estimate score, the more favorable the investor's outlook on Western Union.
Western Union Maximum Pain Price Across May 16th 2025 Option Contracts
Western Union's options can also be used to analyze investors' bias and current market sentiment in the context of behavioral finance. For example, Max pain usually refers to a trading concept that asserts that market manipulation can cause the market price of Western Union close to the expiration of its current option contract to expire worthlessly. According to most research, about 35% of options are not executed, with roughly 50% traded out before expiration. So, Max pain occurs when market makers reach a net favorable position across all options at a strike price where option holders stand to lose the most money. By contrast, option sellers may reap the most after selling more options than buying, causing them to expire worthlessly. Please continue to view the detailed analysis of Western Union's options.
Western Union Corporate Directors
| Angela Sun | Independent Director | Profile | |
| Martin Cole | Independent Director | Profile | |
| Joyce Phillips | Independent Director | Profile | |
| Betsy Holden | Independent Director | Profile |
Already Invested in Western Union Co?
The danger of trading Western Union Co is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Western Union is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Western Union. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Western Union is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
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.