Western Union provides domestic and international money transfers through its global network of about 600,000 outside agents. The company handled over 270 million transactions in 2023 and is the largest money transfer company in the world.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	1.15
Equity-to-Asset	0.05
Debt-to-Equity	6.38
Debt-to-EBITDA	2.48
Interest Coverage	7.56
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.1	Distress Grey Safe
Beneish M-Score	-3.05	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	0.2
	3-Year EBITDA Growth Rate	-1.2
	3-Year EPS without NRI Growth Rate	-0.9
	3-Year FCF Growth Rate	-0.5
	3-Year Book Growth Rate	44.4
	Future 3-5Y EPS without NRI Growth Rate	1.62
	Future 3-5Y Total Revenue Growth Rate	-1.14

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	51.84
	9-Day RSI	49.97
	14-Day RSI	49.32
	6-1 Month Momentum %	17.14
	12-1 Month Momentum %	28.36

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.93
	Quick Ratio	0.93
	Cash Ratio	0.57
	Days Sales Outstanding	148.42
	Days Payable	57.3

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	6.97
	Dividend Payout Ratio	0.55
	3-Year Dividend Growth Rate	1.5
	Forward Dividend Yield %	6.97
	5-Year Yield-on-Cost %	8.77
	3-Year Average Share Buyback Ratio	5.2
	Shareholder Yield %	17.47

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	38.58
	Operating Margin %	18.42
	Net Margin %	14.12
	FCF Margin %	14.06
	ROE %	115.53
	ROA %	7.54
	ROIC %	11.87
	ROC (Joel Greenblatt) %	704.76
	ROCE %	16.13
	Years of Profitability over Past 10-Year	9

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.97
	Forward PE Ratio	7.92
	PE Ratio without NRI	7.88
	Shiller PE Ratio	7.97
	Price-to-Owner-Earnings	9.62
	PS Ratio	1.16
	PB Ratio	11.51
	Price-to-Free-Cash-Flow	8.07
	Price-to-Operating-Cash-Flow	6.6
	EV-to-EBIT	4.89
	EV-to-Forward-EBIT	4.95
	EV-to-EBITDA	4.02
	EV-to-Forward-EBITDA	4.13
	EV-to-Revenue	0.94
	EV-to-Forward-Revenue	0.99
	EV-to-FCF	6.7
	Price-to-Projected-FCF	0.75
	Price-to-Median-PS-Value	0.66
	Earnings Yield (Greenblatt) %	20.45
	FCF Yield %	13.48
	Forward Rate of Return (Yacktman) %	7.35

GF Value: $14.32

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