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Upturn AI SWOT - About
WU 
Western Union Co (WU)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
12/02/2025: WU (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
20 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $9.62
1 Year Target Price $9.62
| 2 | Strong Buy |
| 0 | Buy |
| 11 | Hold |
| 4 | Sell |
| 3 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.44% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/02/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.81B USD | Price to earnings Ratio 3.75 | 1Y Target Price 9.62 |
Price to earnings Ratio 3.75 | 1Y Target Price 9.62 | ||
Volume (30-day avg) 20 | Beta 0.53 | 52 Weeks Range 7.67 - 11.05 | Updated Date 12/3/2025 |
52 Weeks Range 7.67 - 11.05 | Updated Date 12/3/2025 | ||
Dividends yield (FY) 10.88% | Basic EPS (TTM) 2.32 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.8% | Operating Margin (TTM) 19.55% |
Management Effectiveness
Return on Assets (TTM) 6.1% | Return on Equity (TTM) 97.7% |
Valuation
Trailing PE 3.75 | Forward PE 4.8 | Enterprise Value 2516379979 | Price to Sales(TTM) 0.69 |
Enterprise Value 2516379979 | Price to Sales(TTM) 0.69 | ||
Enterprise Value to Revenue 0.61 | Enterprise Value to EBITDA 2.72 | Shares Outstanding 317844905 | Shares Floating 315947371 |
Shares Outstanding 317844905 | Shares Floating 315947371 | ||
Percent Insiders 0.45 | Percent Institutions 103.77 |
Upturn AI SWOT
Western Union Co
Company Overview
History and Background
Founded in 1851 as the New York and Mississippi Valley Printing Telegraph Company, Western Union pioneered telegraph services. It later became dominant in money transfer, adapting to changing technologies over the decades.
Core Business Areas
- Money Transfer: Core business providing cross-border and domestic money transfers via agent locations, online, and mobile apps.
- Business Solutions: Provides payment solutions for businesses, including cross-border payments and remittance services.
- Other: Includes bill payments and prepaid services in some markets.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The company is structured into business units focused on money transfer and business solutions.
Top Products and Market Share
Key Offerings
- Money Transfer Services: Core product facilitating global money transfers. Western Union is a major player, but market share fluctuates. Competitors include MoneyGram (MGI), Remitly (RELY), and Wise (WISE). Revenue is largely derived from this product.
- Digital Money Transfer: Online and mobile app-based money transfer services. Rapidly growing segment, but competition is intense with fintech startups. Competitors include PayPal (PYPL), Xoom (PYPL), WorldRemit, and Remitly (RELY).
- Business Payments: Cross-border payments and remittance services for businesses. Growing but smaller segment. Competitors include Visa (V), Mastercard (MA), and other specialized B2B payment platforms.
Market Dynamics
Industry Overview
The money transfer industry is evolving with increasing digitization and growing competition from fintech companies. Regulatory landscape and compliance costs are significant factors.
Positioning
Western Union holds a strong brand recognition and a large agent network globally. However, it faces increasing competition from digital-first companies offering lower fees and faster transfers.
Total Addressable Market (TAM)
The global remittance market is estimated to be over $700 billion. Western Union holds a substantial share but is facing pressure from competitors eating into market share.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive global agent network
- Established regulatory compliance infrastructure
- Diversified revenue streams
Weaknesses
- Higher fees compared to digital competitors
- Legacy technology infrastructure
- Slower innovation adoption
- Dependence on agent network
Opportunities
- Expanding digital money transfer services
- Partnerships with fintech companies
- Growth in emerging markets
- Developing new payment solutions for businesses
Threats
- Intense competition from fintech companies
- Regulatory changes and compliance costs
- Economic downturns impacting remittance flows
- Currency fluctuations
Competitors and Market Share
Key Competitors
- MGI
- RELY
- PYPL
- V
- MA
Competitive Landscape
Western Union faces competition from established players like MoneyGram and newer fintech companies like Remitly and Wise. Digital offerings and pricing are key competitive factors.
Major Acquisitions
Paymap
- Year: 2019
- Acquisition Price (USD millions): 0
- Strategic Rationale: Acquired to enhance bill payment solutions.
Growth Trajectory and Initiatives
Historical Growth: Data unavailable, needs to be pulled from financial statements. Placeholders are used.
Future Projections: Data unavailable, needs to be pulled from financial statements. Placeholders are used.
Recent Initiatives: Focus on digital transformation, partnerships with fintech companies, and expansion into new markets.
Summary
Western Union has strong brand recognition and an extensive network but faces increasing competition from digital-first companies. While its established infrastructure provides a competitive advantage, adapting to technological advancements and managing regulatory challenges are crucial for future success. Growth lies in expanding its digital offerings and securing partnerships.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Western Union Co
Exchange NYSE | Headquaters Denver, CO, United States | ||
IPO Launch date 2006-10-02 | President, CEO & Director Mr. Devin B. McGranahan | ||
Sector Financial Services | Industry Credit Services | Full time employees 9100 | Website https://www.westernunion.com |
Full time employees 9100 | Website https://www.westernunion.com | ||
The Western Union Company provides money movement and payment services worldwide. It operates through Consumer Money Transfer and Consumer Services segments. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agent and owned locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, money order and media network services, retail foreign exchange services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.
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