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Upturn AI SWOT - About
WU 
Western Union Co (WU)
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Upturn Advisory Summary
03/27/2025: WU (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -21.72% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.57B USD | Price to earnings Ratio 3.85 | 1Y Target Price 11.93 |
Price to earnings Ratio 3.85 | 1Y Target Price 11.93 | ||
Volume (30-day avg) 5754830 | Beta 0.82 | 52 Weeks Range 9.82 - 12.81 | Updated Date 04/1/2025 |
52 Weeks Range 9.82 - 12.81 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 8.88% | Basic EPS (TTM) 2.74 |
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 22.19% | Operating Margin (TTM) 16.08% |
Management Effectiveness
Return on Assets (TTM) 5.82% | Return on Equity (TTM) 129.04% |
Valuation
Trailing PE 3.85 | Forward PE 5.85 | Enterprise Value 3259309259 | Price to Sales(TTM) 0.85 |
Enterprise Value 3259309259 | Price to Sales(TTM) 0.85 | ||
Enterprise Value to Revenue 0.77 | Enterprise Value to EBITDA 3.55 | Shares Outstanding 337935008 | Shares Floating 336261751 |
Shares Outstanding 337935008 | Shares Floating 336261751 | ||
Percent Insiders 0.41 | Percent Institutions 95.23 |
Analyst Ratings
Rating 2.79 | Target Price 12.6 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 11 | Sell 4 | Strong Sell 2 | |
Strong Sell 2 |
Upturn AI SWOT
Western Union Co
Company Overview
History and Background
The Western Union Telegraph Company was founded in 1851. Initially focused on telegraph services, it became synonymous with telegrams. Over time, it shifted its focus to money transfer services, a transformation completed by the early 21st century. Recent years have seen challenges and adaptation to digital competition.
Core Business Areas
- Money Transfer: Facilitates money transfers globally through a network of agent locations, online platforms, and mobile apps.
- Business Solutions: Provides payment solutions for businesses, including cross-border payments and foreign exchange services.
- Other Services: Includes bill payments, money orders, and prepaid services (though less prominent than core offerings).
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is hierarchical, with various departments responsible for different aspects of the business (e.g., operations, technology, marketing).
Top Products and Market Share
Key Offerings
- Money Transfer: The primary service, allowing individuals to send and receive money worldwide. Competitors: MoneyGram (MGI), Remitly, Xoom (PayPal (PYPL)). Market share data is dynamic, estimates for 2023 were around 10-15% of the total global market but is highly fragmented.
- Digital Money Transfer: Online and mobile app-based money transfer services. Competitors: WorldRemit, Remitly, Wise. This segment is growing rapidly. Hard to pin down market share because companies provide various services beyond just money transfers. This is a growth area for Western Union and a key competitive battleground.
Market Dynamics
Industry Overview
The money transfer industry is experiencing growth driven by globalization, migration, and increasing digital adoption. It's highly competitive, with traditional players facing pressure from fintech companies and mobile payment solutions.
Positioning
Western Union has a strong brand recognition and extensive global network, but faces challenges adapting to the digital era and competing with more agile fintech companies.
Total Addressable Market (TAM)
The global remittance market is estimated at around $700-$800 billion annually. Western Union is positioned to capture a portion of this market, focusing on both traditional and digital channels.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive global network of agents
- Established compliance infrastructure
- Diversified service offerings
Weaknesses
- Higher fees compared to digital alternatives
- Legacy technology infrastructure
- Slower adoption of digital channels compared to competitors
- Dependence on agent network in declining regions
Opportunities
- Expanding digital money transfer services
- Partnering with fintech companies
- Developing new products for emerging markets
- Leveraging blockchain technology
Threats
- Increasing competition from fintech companies
- Regulatory changes
- Fluctuations in exchange rates
- Economic downturns affecting remittance flows
Competitors and Market Share
Key Competitors
- MGI
- PYPL
- Xoom (PYPL)
- BKKT
Competitive Landscape
Western Union faces intense competition from both established players and emerging fintech companies. It needs to innovate and adapt to maintain its market position.
Major Acquisitions
Custom House
- Year: 2009
- Acquisition Price (USD millions): 370
- Strategic Rationale: Expanded Western Union's business payment capabilities and global reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been mixed, with periods of strong growth followed by periods of stagnation. Consult historical financial data for specifics.
Future Projections: Analyst estimates suggest moderate growth in the digital money transfer segment. Overall growth prospects are uncertain due to increased competition.
Recent Initiatives: Recent initiatives include investments in digital platforms, partnerships with fintech companies, and cost-cutting measures.
Summary
Western Union possesses a strong brand and global presence but faces intense competition in a rapidly evolving digital landscape. While its traditional money transfer business remains significant, adapting to digital channels and competing with fintech companies are critical. Recent initiatives focus on innovation and partnerships. Long-term success hinges on successfully navigating these challenges and capturing growth opportunities in the digital realm. Western Union must contend with legacy infrastructure and high fee perception.
Similar Companies
- MGI
- PYPL
- BKKT
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q), Company Website, Industry Reports, Market Research Data
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and analyst estimates. It is not financial advice. Market share data is approximate and may vary depending on the source and methodology.
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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