Market Price

25.28 

0.29 1.2%

as of May 06 '21

52 Week Range:

17.56 26.61


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents. This segment offers international cross-border transfers and intra-country transfers, as well as money transfer transactions through Websites and mobile devices. The Business Solutions segment provides payment and foreign exchange solutions, primarily cross-border and cross-currency transactions for small and medium size enterprises, other organizations, and individuals; and foreign currency forward and option contracts. The company also facilitates bill payments from consumers to businesses and other organizations, as well as offers money order and other services. It serves primarily through a network of agents. The Western Union Company was founded in 1851 and is headquartered in Denver, Colorado.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 0.89
0.81
1.64
1.91
2.26
2.68
2.88
1.55
-0.94
-0.05
0.16
growth rate -9.0% 102.5% 16.5% 18.3% 18.6% 7.5% -46.2% -100.0% 0.0% 100.0%
Earnings BIT 1,150.00
1,270.00
1,576.10
1,385.30
1,170.80
1,120.50
1,105.00
1,022.90
1,110.40
1,038.70
992.00
growth rate 10.4% 24.1% -12.1% -15.5% -4.3% -1.4% -7.4% 8.6% -6.5% -4.5%
Avg.PE 13.64
9.94
8.06
12.09
12.28
11.40
39.55
47.01
9.52
10.27
10.27
growth rate -27.1% -18.9% 50.0% 1.6% -7.2% 246.9% 18.9% -79.8% 7.9% 0.0%
ROA 11.91
13.71
11.07
8.15
8.52
8.66
2.68
-5.97
9.35
11.92
8.15
growth rate 15.1% -19.3% -26.4% 4.5% 1.6% -69.1% -100.0% 100.0% 27.5% -31.6%
ROE 194.38
157.75
111.79
78.07
70.88
61.94
21.95
-271.23
growth rate -18.8% -29.1% -30.2% -9.2% -12.6% -64.6% -100.0%
ROIC 28.67
31.78
24.19
19.20
19.30
20.26
8.74
-15.24
24.41
growth rate 10.9% -23.9% -20.6% 0.5% 5.0% -56.9% -100.0% 100.0%
Cur. Ratio 1.42
1.14
1.20
1.35
1.28
1.15
0.91
0.84
0.89
0.96
1.02
growth rate -19.7% 5.3% 12.5% -5.2% -10.2% -20.9% -7.7% 6.0% 7.9% 6.3%
Quick Ratio 0.63
1.14
1.18
1.33
1.25
1.12
0.88
0.82
0.86
0.92
0.97
growth rate 81.0% 3.5% 12.7% -6.0% -10.4% -21.4% -6.8% 4.9% 7.0% 5.4%
Leverage 13.61
10.14
10.06
9.16
7.61
6.73
10.44
50.89
growth rate -25.5% -0.8% -9.0% -16.9% -11.6% 55.1% 48.6%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 13.80
1,046.70
1,025.30
14.90
1,006.90
0.00
0.00
growth rate 7,484.8% -2.0% -98.6% 6,657.7% -100.0%
Acct.Payable 1,227.10
556.20
0.00
600.40
606.60
1,116.70
685.50
564.90
528.60
474.70
growth rate -54.7% -100.0% 1.0% 84.1% -38.6% -17.6% -6.4% -10.2%
Cur.Assets 4,987.50
4,462.10
4,891.10
5,527.60
2,244.30
1,790.10
1,376.30
1,275.70
1,346.60
1,831.30
2,086.50
growth rate -10.5% 9.6% 13.0% -59.4% -20.2% -23.1% -7.3% 5.6% 36.0% 13.9%
Total Assets 7,929.20
9,069.90
9,465.70
10,121.30
9,890.40
9,449.20
9,419.60
9,231.40
8,996.80
8,758.50
9,496.30
growth rate 14.4% 4.4% 6.9% -2.3% -4.5% -0.3% -2.0% -2.5% -2.7% 8.4%
Cash 2,157.40
1,370.90
1,776.50
2,073.10
1,783.20
1,315.90
877.50
838.20
973.40
1,450.50
1,428.20
growth rate -36.5% 29.6% 16.7% -14.0% -26.2% -33.3% -4.5% 16.1% 49.0% -1.5%
Inventory 0.00 0.00 0.00
growth rate
Cur.Liabilities 3,512.20
7,901.50
4,541.20
4,945.40
4,081.90
4,410.50
5,548.30
6,422.40
5,608.90
5,093.80
5,810.50
growth rate 125.0% -42.5% 8.9% -17.5% 8.1% 25.8% 15.8% -12.7% -9.2% 14.1%
Liabilities 7,346.50
8,175.10
8,525.10
9,016.60
8,590.00
8,044.30
8,517.40
9,722.80
9,306.60
8,798.00
9,309.70
growth rate 11.3% 4.3% 5.8% -4.7% -6.4% 5.9% 14.2% -4.3% -5.5% 5.8%
LT Debt 3,289.90
2,986.20
3,729.20
3,713.00
3,722.30
3,215.90
2,786.10
3,033.60
3,433.70
3,229.30
3,067.20
growth rate -9.2% 24.9% -0.4% 0.3% -13.6% -13.4% 8.9% 13.2% -6.0% -5.0%
Equity 582.70
894.80
940.60
1,104.70
1,300.40
1,404.90
902.20
-491.40
-309.80
-39.50
186.60
growth rate 53.6% 5.1% 17.5% 17.7% 8.0% -35.8% -100.0% 0.0% 0.0% 100.0%
Common Shares 668.00
634.00
607.00
560.00
536.00
517.00
494.00
467.00
454.00
430.00
415.00
growth rate -5.1% -4.3% -7.7% -4.3% -3.5% -4.5% -5.5% -2.8% -5.3% -3.5%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 53.30
52.80
60.90
80.20
67.80
94.40
68.80
69.10
136.70
48.10
36.50
growth rate -0.9% 15.3% 31.7% -15.5% 39.2% -27.1% 0.4% 97.8% -64.8% -24.1%
Cash Dividends 165.30
194.20
254.20
277.20
265.20
316.50
312.20
325.60
341.70
340.80
370.30
growth rate 17.5% 30.9% 9.1% -4.3% 19.3% -1.4% 4.3% 4.9% -0.3% 8.7%
Cash From OA 994.40
1,174.90
1,185.30
1,088.60
1,045.90
1,071.10
1,041.90
742.00
821.30
914.60
877.50
growth rate 18.2% 0.9% -8.2% -3.9% 2.4% -2.7% -28.8% 10.7% 11.4% -4.1%
FCF per Share 1.32
1.58
1.51
1.56
1.56
1.57
1.71
0.98
1.16
1.80
1.66
growth rate 19.7% -4.4% 3.3% 0.0% 0.6% 8.9% -42.7% 18.4% 55.2% -7.8%
Sale Purchase of Stock -703.90
-766.50
-399.70
14.20
75.80
35.00
11.70
growth rate 0.0% 0.0% 100.0% 433.8% -53.8% -66.6%
FCF 881.00
1,012.00
917.00
847.00
866.00
805.00
812.00
559.00
482.00
786.00
721.00
growth rate 14.9% -9.4% -7.6% 2.2% -7.0% 0.9% -31.2% -13.8% 63.1% -8.3%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 5,192.70
5,491.40
5,664.80
5,542.00
5,607.20
5,483.70
5,422.90
5,524.30
5,589.90
5,292.10
4,835.00
growth rate 5.8% 3.2% -2.2% 1.2% -2.2% -1.1% 1.9% 1.2% -5.3% -8.6%
Op.Income 1,300.10
1,165.40
1,025.90
798.40
1,170.80
1,120.50
1,105.00
1,022.90
1,110.40
1,038.70
992.00
growth rate -10.4% -12.0% -22.2% 46.6% -4.3% -1.4% -7.4% 8.6% -6.5% -4.5%
IBT 1,145.20
1,274.60
1,168.80
926.90
968.20
941.80
341.70
347.50
991.40
1,321.40
855.10
growth rate 11.3% -8.3% -20.7% 4.5% -2.7% -63.7% 1.7% 185.3% 33.3% -35.3%
Net Income 909.90
1,165.40
1,025.90
798.40
852.40
837.80
253.20
-557.10
851.90
1,058.30
744.30
growth rate 28.1% -12.0% -22.2% 6.8% -1.7% -69.8% -100.0% 100.0% 24.2% -29.7%
EPS 1.36
1.84
1.69
1.43
1.59
1.62
0.51
-1.19
1.87
2.46
1.79
growth rate 35.3% -8.2% -15.4% 11.2% 1.9% -68.5% -100.0% 100.0% 31.6% -27.2%
Gross Profit 2,214.30
2,389.40
2,716.70
2,307.00
2,321.40
2,285.30
2,158.70
2,207.00
2,289.10
2,245.40
2,013.00
growth rate 7.9% 13.7% -15.1% 0.6% -1.6% -5.5% 2.2% 3.7% -1.9% -10.4%

Quarterly Statements

Item Name Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Earnings BIT 240.70
223.90
291.40
236.00
growth rate -7.0% 30.2% -19.0%
Balance Sheet Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Acct.Receivable
growth rate
Acct.Payable 365.60
423.10
423.10
474.70
growth rate 15.7% 0.0% 12.2%
Cur.Assets 1,560.10
1,557.30
1,671.40
2,086.50
growth rate -0.2% 7.3% 24.8%
Total Assets 8,365.40
8,707.00
8,827.20
9,496.30
9,281.00
growth rate 4.1% 1.4% 7.6% -2.3%
Cash 1,072.80
1,181.60
1,251.40
1,428.20
1,502.60
growth rate 10.1% 5.9% 14.1% 5.2%
Inventory
growth rate
Cur.Liabilities 5,017.00
5,250.70
5,283.20
5,810.50
growth rate 4.7% 0.6% 10.0%
Liabilities 8,515.10
8,780.40
8,760.10
9,309.70
9,062.20
growth rate 3.1% -0.2% 6.3% -2.7%
LT Debt 3,070.10
3,085.80
3,036.50
3,067.20
3,230.50
growth rate 0.5% -1.6% 1.0% 5.3%
Equity -149.70
-73.40
67.10
186.60
218.80
growth rate 0.0% 100.0% 178.1% 17.3%
Common Shares 4.10
4.10
4.10
4.10
4.10
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Capital Expenditures 6.30
9.60
8.60
12.00
growth rate 52.4% -10.4% 39.5%
Cash Dividends 92.40
92.50
92.90
92.50
growth rate 0.1% 0.4% -0.4%
Cash From OA 112.40
235.40
237.80
291.90
175.80
growth rate 109.4% 1.0% 22.8% -39.8%
Sale Purchase of Stock
growth rate
FCF 106.10
225.80
229.20
279.90
growth rate 112.8% 1.5% 22.1%
Income Statement Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Sales 1,190.00
1,114.70
1,258.50
1,271.80
1,210.00
growth rate -6.3% 12.9% 1.1% -4.9%
Op.Income 240.70
223.90
291.40
236.00
growth rate -7.0% 30.2% -19.0%
IBT 201.90
193.20
261.00
199.00
202.90
growth rate -4.3% 35.1% -23.8% 2.0%
Net Income 176.70
161.90
228.60
177.10
181.80
growth rate -8.4% 41.2% -22.5% 2.7%
EPS
growth rate
Gross Profit 507.50
453.30
537.60
514.60
growth rate -10.7% 18.6% -4.3%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (4.66)

YOY Growth Grade:

F (14.05)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.27 9.74 13.53
EPS / Growth 4.5% 2.60 4.2%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 13.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 4.2% 7.5% 7.5%
Future PE 8.34 12.95 12.95
Future EPS 3.90 5.36 5.36
Value Price
MOS %
8.05
-68.2%
17.15
-32.2%
17.15
-32.2%
MOS Price 4.02 8.57 8.57
IRT 8.06 7.16 7.16

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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