Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
WU 
Western Union Co (WU)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/14/2025: 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 $9.32
1 Year Target Price $9.32
| 2 | Strong Buy |
| 0 | Buy |
| 11 | Hold |
| 4 | Sell |
| 3 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.14% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.67B USD | Price to earnings Ratio 3.14 | 1Y Target Price 9.32 |
Price to earnings Ratio 3.14 | 1Y Target Price 9.32 | ||
Volume (30-day avg) 20 | Beta 0.64 | 52 Weeks Range 7.89 - 11.53 | Updated Date 08/15/2025 |
52 Weeks Range 7.89 - 11.53 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 11.06% | Basic EPS (TTM) 2.64 |
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 2025-07-28 | When Before Market | Estimate 0.4453 | Actual 0.42 |
Profitability
Profit Margin 21.84% | Operating Margin (TTM) 18.78% |
Management Effectiveness
Return on Assets (TTM) 5.76% | Return on Equity (TTM) 135.32% |
Valuation
Trailing PE 3.14 | Forward PE 4.83 | Enterprise Value 2566169086 | Price to Sales(TTM) 0.65 |
Enterprise Value 2566169086 | Price to Sales(TTM) 0.65 | ||
Enterprise Value to Revenue 0.63 | Enterprise Value to EBITDA 2.88 | Shares Outstanding 322967008 | Shares Floating 321265243 |
Shares Outstanding 322967008 | Shares Floating 321265243 | ||
Percent Insiders 0.35 | Percent Institutions 100.89 |
Upturn AI SWOT
Western Union Co
Company Overview
History and Background
Western Union Co. was founded in 1851 as the New York and Mississippi Valley Printing Telegraph Company. It played a crucial role in telegraph communication and later transitioned to money transfer services. Significant milestones include the first transcontinental telegraph line (1861) and the introduction of money transfer services in the late 19th century. Over time, the company has evolved from telegraphy to a global leader in money transfers and payment services.
Core Business Areas
- Consumer Money Transfer: Enables consumers to send and receive money globally through a network of agent locations, online platforms, and mobile apps. It includes person-to-person (P2P) transfers and bill payments.
- Business Solutions: Provides payment solutions to businesses, including cross-border payments, FX risk management, and other financial services.
Leadership and Structure
The leadership team typically includes a Chief Executive Officer (CEO), Chief Financial Officer (CFO), and various regional and functional heads. The organizational structure is generally hierarchical, with global operations managed through regional divisions and functional departments.
Top Products and Market Share
Key Offerings
- Money Transfer: Core service allowing individuals to send money globally. Western Union's market share varies by region but generally holds a significant portion of the international remittance market. Competitors include MoneyGram, Ria, Xoom (PayPal), and various fintech startups. Revenue is derived from transaction fees.
- Digital Money Transfer: Online and mobile app platforms that enable customers to send money digitally. These platforms are experiencing rapid growth. Competitors include Xoom, Remitly, and other online remittance providers. Revenue is derived from transaction fees.
- Business Payments: Payment solutions for businesses. Western Union has a smaller market share in this area compared to consumer money transfer. Competitors include banks, specialized payment providers, and other fintech companies. Revenue is derived from transaction fees and FX spreads.
Market Dynamics
Industry Overview
The global money transfer industry is characterized by increasing digitalization, regulatory scrutiny, and competition from fintech companies. Key trends include the rise of mobile payments, increasing demand for cross-border transactions, and growing regulatory compliance requirements.
Positioning
Western Union Co. is a well-established player in the money transfer industry, with a global brand recognition and extensive agent network. Its competitive advantages include its scale, brand reputation, and global reach.
Total Addressable Market (TAM)
The global remittance market is estimated to be in the hundreds of billions of dollars annually. Western Union is positioned to capture a significant portion of this TAM, particularly through its established agent network and brand recognition. However, competition from digital-first companies is increasing.
Upturn SWOT Analysis
Strengths
- Global Brand Recognition
- Extensive Agent Network
- Established Regulatory Compliance
- Strong Cash Flow Generation
Weaknesses
- High Transaction Fees
- Legacy Technology Infrastructure
- Reliance on Agent Network
- Vulnerable to Fintech Disruption
Opportunities
- Expansion into Digital Payment Services
- Partnerships with Fintech Companies
- Penetration of Emerging Markets
- Leveraging Blockchain Technology
Threats
- Increased Competition from Fintech Startups
- Regulatory Changes
- Fluctuations in Exchange Rates
- Economic Downturns
Competitors and Market Share
Key Competitors
- MGNI
- PYPL
- RELY
Competitive Landscape
Western Union faces intense competition from both traditional players like MoneyGram and digital disruptors like PayPal (Xoom) and Remitly. While its established network and brand provide advantages, it must adapt to the changing landscape by investing in digital capabilities and lowering transaction fees.
Major Acquisitions
Paymap
- Year: 2016
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expanded bill payment options
Growth Trajectory and Initiatives
Historical Growth: Western Union's growth has been impacted by increased competition and the shift to digital channels. Historical revenue growth has been relatively modest.
Future Projections: Future growth is expected to be driven by digital adoption and expansion into new markets. Analyst estimates vary, but generally anticipate moderate growth in revenue and earnings.
Recent Initiatives: Recent strategic initiatives include investments in digital platforms, partnerships with fintech companies, and cost-cutting measures.
Summary
Western Union is a well-established player in the money transfer industry with strong brand recognition and an extensive global network. However, the company faces increasing competition from fintech startups and needs to adapt to the changing digital landscape. Its future success depends on its ability to innovate, invest in digital platforms, and lower transaction fees. Regulatory challenges and fluctuating exchange rates also pose potential risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. The data provided is based on publicly available information and may not be entirely accurate or complete. Investors should conduct their own due diligence before making any investment decisions.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.