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The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents 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, travel money services, check acceptance services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 625.70M | 618.60M | 745.80M | 1008.60M | 935.40M |
| Net income | 499.60M | 934.20M | 626.00M | 910.60M | 805.80M |
| Selling general administrative | 742.80M | 863.40M | 890.20M | 964.20M | 1051.30M |
| Gross profit | 1159.70M | 1589.20M | 1685.30M | 1849.10M | 2174.40M |
| Reconciled depreciation | 165.40M | 179.10M | 184.80M | 183.80M | 208.20M |
| Ebit | 768.90M | 738.40M | 817.50M | 884.90M | 1123.10M |
| Ebitda | 934.30M | 917.50M | 817.50M | 1045.10M | 1249.10M |
| Depreciation and amortization | 165.40M | 179.10M | 183.60M | 160.20M | 126.00M |
| Non operating income net other | - | - | - | 224.70M | -82.20M |
| Operating income | 784.20M | 725.80M | 817.50M | 884.90M | 1123.10M |
| Other operating expenses | 3256.90M | 3483.90M | 3539.50M | 3590.60M | 3947.70M |
| Interest expense | 143.20M | 119.80M | 105.30M | 101.00M | 105.50M |
| Tax provision | 126.10M | -315.60M | 69.80M | 98.00M | 129.60M |
| Interest income | 7.90M | 11.90M | 17.60M | 87.10M | 1.40M |
| Net interest income | -135.10M | -107.90M | -87.60M | -87.10M | -104.10M |
| Income tax expense | 126.10M | -315.60M | 119.80M | 98.00M | 129.60M |
| Total revenue | 4041.10M | 4209.70M | 4357.00M | 4475.50M | 5070.80M |
| Total operating expenses | 375.50M | 863.40M | 867.80M | 964.20M | 1051.30M |
| Cost of revenue | 2881.40M | 2620.50M | 2671.70M | 2626.40M | 2896.40M |
| Total other income expense net | -158.50M | -107.20M | -71.70M | 123.70M | -187.70M |
| Net income from continuing ops | 499.60M | 934.20M | 748.40M | 910.60M | 805.80M |
| Net income applicable to common shares | 499.60M | 934.20M | 626.00M | 910.60M | 805.80M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 8305.90M | 8370.50M | 8198.80M | 8496.30M | 8823.50M |
| Intangible assets | 356.30M | 315.40M | 380.20M | 457.90M | 417.10M |
| Other current assets | 313.90M | 337.10M | 3687.00M | 3486.80M | 1452.90M |
| Total liab | 7348.10M | 7401.60M | 7719.80M | 8018.50M | 8467.90M |
| Total stockholder equity | 957.80M | 968.90M | 479.00M | 477.80M | 355.60M |
| Deferred long term liab | - | - | - | 158.50M | 203.80M |
| Other current liab | 3512.60M | 46.70M | 3687.00M | 545.30M | 595.70M |
| Common stock | 3.20M | 3.40M | 3.50M | 3.70M | 3.90M |
| Capital stock | 3.20M | 3.40M | 3.50M | 3.70M | 3.90M |
| Retained earnings | -11.50M | 35.20M | -389.10M | -353.90M | -537.20M |
| Other liab | - | - | - | 343.20M | 473.20M |
| Good will | 2098.50M | 2059.60M | 2034.60M | 2034.60M | 2034.60M |
| Other assets | -0.10M | -0.10M | -0.00M | 4608.30M | 5034.10M |
| Cash | 1636.40M | 2105.60M | 1268.60M | 1285.90M | 1208.30M |
| Cash and equivalents | 1234.40M | 1474.00M | 1268.60M | 1285.90M | 1208.30M |
| Total current liabilities | 4430.60M | 726.80M | 4799.50M | 1189.30M | 1320.90M |
| Current deferred revenue | - | - | -500.00M | - | - |
| Net debt | 1467.10M | 1026.40M | 1236.00M | 1510.90M | 1800.10M |
| Short term debt | 434.90M | 65.20M | 364.90M | 180.00M | 275.00M |
| Short long term debt | 434.90M | - | 364.90M | 180.00M | 275.00M |
| Short long term debt total | 3103.50M | 3132.00M | 2504.60M | 2796.80M | 3008.40M |
| Other stockholder equity | 1117.40M | 1070.80M | 1031.90M | 995.90M | 941.00M |
| Property plant equipment | 290.20M | 245.30M | 218.00M | 109.60M | 129.40M |
| Total current assets | 4997.50M | 5172.00M | 4955.60M | 1547.50M | 2661.20M |
| Long term investments | 216.30M | 212.90M | 210.40M | 210.90M | - |
| Net tangible assets | - | - | - | -2014.70M | -2096.10M |
| Short term investments | 1445.10M | 1332.30M | 1458.10M | - | - |
| Net receivables | 1602.10M | 1397.00M | 1732.90M | - | - |
| Long term debt | 2442.90M | 2940.80M | 2139.70M | 2616.80M | 3008.40M |
| Inventory | - | - | 3513.90M | - | - |
| Accounts payable | 408.40M | 407.90M | 453.00M | 464.00M | 450.20M |
| Accumulated other comprehensive income | -151.30M | -140.50M | -167.30M | -167.90M | -52.10M |
| Common stock total equity | - | - | - | 3.70M | 3.90M |
| Retained earnings total equity | - | - | - | -353.90M | -537.20M |
| Non currrent assets other | 121.00M | 100.40M | 737.00M | 4135.80M | 3581.20M |
| Non current assets total | 3308.50M | 3198.60M | 3243.20M | 6948.80M | 6162.30M |
| Capital lease obligations | 225.70M | 191.20M | 162.30M | 161.30M | - |
| Long term debt total | 1450.90M | 2940.80M | 2139.70M | 2616.80M | 3008.40M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -70.30M | -16.30M | 82.30M | 525.50M | 402.90M |
| Change to liabilities | - | - | - | -137.50M | -24.80M |
| Total cashflows from investing activities | -230.30M | -16.30M | -140.80M | 525.50M | 192.00M |
| Net borrowings | -78.90M | 433.20M | -115.10M | -395.00M | -63.30M |
| Total cash from financing activities | -782.60M | -69.30M | -896.80M | -1177.30M | -1269.50M |
| Change to operating activities | - | - | - | -236.60M | -96.60M |
| Net income | 499.60M | 934.20M | 626.00M | 910.60M | 805.80M |
| Change in cash | -469.20M | 320.70M | -254.50M | -70.20M | -32.20M |
| Begin period cash flow | 2106.90M | 1786.20M | 2040.70M | 2110.90M | 2143.10M |
| End period cash flow | 1637.70M | 2106.90M | 1786.20M | 2040.70M | 2110.90M |
| Total cash from operating activities | 543.70M | 406.30M | 783.10M | 581.60M | 1045.30M |
| Depreciation | 165.40M | 179.10M | 183.60M | 183.80M | 208.20M |
| Other cashflows from investing activities | -9.20M | -108.40M | -128.60M | 661.80M | 3.70M |
| Dividends paid | 309.00M | 321.50M | 349.00M | 364.20M | 381.60M |
| Sale purchase of stock | -234.60M | -186.20M | -308.40M | -369.90M | -409.90M |
| Other cashflows from financing activities | -160.10M | 5.20M | -124.30M | -143.20M | -412.00M |
| Change to netincome | - | - | - | 88.70M | 208.90M |
| Capital expenditures | 150.80M | 37.40M | 147.80M | 208.20M | 214.60M |
| Cash flows other operating | - | - | - | -464.00M | -73.00M |
| Cash and cash equivalents changes | - | - | - | -70.20M | -32.20M |
| Change in working capital | -281.00M | -581.70M | -111.40M | -346.70M | -177.60M |
| Stock based compensation | - | - | 35.90M | - | 61.90M |
| Other non cash items | 124.80M | 123.50M | 95.90M | -139.40M | 149.60M |
| Free cash flow | 392.90M | 368.90M | 635.30M | 373.40M | 830.70M |
Sector: Financial Services Industry: Credit Services
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| WU Western Union Co |
-0.14 2.07% |
6.88 | 5.66 | 4.48 | 0.53 | 2.40 | 0.52 | 2.52 |
| V Visa Inc. Class A |
0.06 0.01% |
422.65 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
| MA Mastercard Inc |
-3.22 0.49% |
652.70 | 31.59 | 24.88 | 14.31 | 89.68 | 14.71 | 23.34 |
| AXP American Express Company |
-3.94 1.21% |
321.03 | 21.46 | 18.83 | 3.38 | 6.76 | 3.93 | - |
| COF Capital One Financial Corporation |
-1.97 0.97% |
201.87 | 11.39 | 8.75 | 2.64 | 1.11 | 2.76 | - |
The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents 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, travel money services, check acceptance services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.
7001 East Belleview Avenue, Denver, CO, United States, 80237
866 405 5012
9600
| Name | Title | Year Born |
|---|---|---|
| Mr. Devin B. McGranahan | Pres, CEO & Director | 1970 |
| Mr. Jean Claude Farah | Pres of Global EMEA & APAC Region | 1971 |
| Ms. Gabriella P. Fitzgerald | Pres of North America | 1972 |
| Mr. Matthew Cagwin | Interim Chief Financial Officer | 1975 |
| Mr. Andrew Walker | Chief Operations Officer | NA |
| Mr. Mark T. Hinsey | Chief Accounting Officer & Controller | 1971 |
| Mr. Brad Windbigler | Sr. VP, Treasurer and Head of Payments Fin. & IR | NA |
| Mr. Benjamin Carlton Adams | Chief Legal Officer & Corp. Sec. | 1972 |
| Mr. Bob Rupczynski | Chief Marketing Officer | NA |
| Reverend Richard L. Williams | Chief People Officer | 1966 |
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