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Western Union (WU) Financials

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$9.79 -0.05 (-0.51%)
As of 03:58 PM Eastern
Annual Income Statements for Western Union

Annual Income Statements for Western Union

This table shows Western Union's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders
838 253 -557 852 1,058 744 806 911 626 934
Consolidated Net Income / (Loss)
838 253 -557 852 1,058 744 806 911 626 934
Net Income / (Loss) Continuing Operations
838 253 -557 852 1,058 744 806 911 626 934
Total Pre-Tax Income
942 342 348 991 1,321 855 935 1,009 746 619
Total Revenue
5,485 5,270 5,524 5,590 5,665 4,835 4,965 4,623 4,270 4,090
Net Interest Income / (Expense)
0.00 -153 0.00 0.00 -152 0.00 -106 -101 -105 -120
Total Interest Income
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense
0.00 153 0.00 0.00 152 0.00 106 101 105 120
Long-Term Debt Interest Expense
- 153 - - 152 - 106 101 105 120
Total Non-Interest Income
5,485 5,423 5,524 5,590 5,817 4,835 5,071 4,724 4,375 4,210
Net Realized & Unrealized Capital Gains on Investments
1.20 - - 0.00 525 - 0.00 248 18 0.00
Other Non-Interest Income
5,484 5,423 5,524 5,590 5,292 4,835 5,071 4,476 4,357 4,210
Total Non-Interest Expense
4,374 4,936 5,049 4,468 4,358 3,868 4,058 3,591 3,540 3,484
Other Operating Expenses
4,374 4,936 4,585 4,468 4,358 3,868 4,058 3,591 3,540 3,484
Nonoperating Income / (Expense), net
-169 7.20 -128 -131 15 -112 28 -24 16 13
Income Tax Expense
104 89 905 140 263 111 130 98 120 -316
Basic Earnings per Share
$1.63 $0.52 ($1.19) $1.89 $2.47 $1.81 $1.98 $2.35 $1.69 $2.75
Weighted Average Basic Shares Outstanding
512.60M 490.20M 467.90M 451.80M 427.60M 412.30M 406.80M 387.20M 370.80M 340M
Diluted Earnings per Share
$1.62 $0.51 ($1.19) $1.87 $2.46 $1.79 $1.97 $2.34 $1.68 $2.74
Weighted Average Diluted Shares Outstanding
516.70M 493.50M 467.90M 454.40M 430.90M 415.20M 408.90M 388.40M 371.80M 341.10M
Weighted Average Basic & Diluted Shares Outstanding
514M 486.90M 468.20M 450.70M 413.12M 410.92M 393.53M 373.65M 342.20M 337.93M
Cash Dividends to Common per Share
$0.62 $0.64 $0.70 $0.76 $0.80 $0.90 $0.94 $0.94 $0.94 $0.94

Quarterly Income Statements for Western Union

This table shows Western Union's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders
174 249 152 176 171 127 143 141 265 386
Consolidated Net Income / (Loss)
174 249 152 176 171 127 143 141 265 386
Net Income / (Loss) Continuing Operations
174 249 152 176 171 127 143 141 265 386
Total Pre-Tax Income
194 217 181 216 204 144 170 165 136 148
Total Revenue
1,064 1,163 1,037 1,143 1,089 1,001 1,023 1,035 1,004 1,028
Net Interest Income / (Expense)
-25 -26 0.00 -27 -27 -51 -26 -31 -32 -30
Total Interest Expense
25 26 0.00 27 27 51 26 31 32 30
Long-Term Debt Interest Expense
25 26 - 27 27 - 26 31 32 30
Total Non-Interest Income
1,090 1,189 1,037 1,170 1,116 1,052 1,049 1,066 1,036 1,058
Other Non-Interest Income
1,090 1,092 1,037 1,170 1,098 1,052 1,049 1,066 1,036 1,058
Total Non-Interest Expense
858 940 832 927 887 893 857 876 871 880
Other Operating Expenses
858 940 832 927 887 893 857 876 871 880
Income Tax Expense
20 -33 29 40 33 17 27 24 -129 -238
Basic Earnings per Share
$0.45 $0.65 $0.41 $0.47 $0.46 $0.35 $0.41 $0.42 $0.78 $1.14
Weighted Average Basic Shares Outstanding
386.50M 387.20M 374.40M 375M 373.90M 370.80M 344.40M 338.60M 338.30M 340M
Diluted Earnings per Share
$0.45 $0.65 $0.40 $0.47 $0.46 $0.35 $0.41 $0.41 $0.78 $1.14
Weighted Average Diluted Shares Outstanding
387.60M 388.40M 375.50M 375.60M 375M 371.80M 345.70M 339.60M 339.50M 341.10M
Weighted Average Basic & Diluted Shares Outstanding
386.17M 373.65M 374.47M 374.53M 364.36M 342.20M 338.34M 337.78M 337.80M 337.93M

Annual Cash Flow Statements for Western Union

This table details how cash moves in and out of Western Union's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents
-467 -438 -33 135 -403 318 -32 -70 -255 321
Net Cash From Operating Activities
1,071 1,042 742 821 915 878 1,045 582 783 406
Net Cash From Continuing Operating Activities
1,071 1,042 742 821 915 878 1,045 582 783 406
Net Income / (Loss) Continuing Operations
838 253 -557 852 1,058 744 806 911 626 934
Consolidated Net Income / (Loss)
838 253 -557 852 1,058 744 806 911 626 934
Depreciation Expense
68 74 77 77 80 61 50 43 39 37
Amortization Expense
203 189 186 188 178 164 159 141 145 142
Non-Cash Adjustments to Reconcile Net Income
24 -76 658 51 -438 160 209 -166 85 -125
Changes in Operating Assets and Liabilities, net
-61 601 379 -346 37 -252 -178 -347 -111 -582
Net Cash From Investing Activities
-286 -271 -205 -329 167 -374 192 526 -141 -16
Net Cash From Continuing Investing Activities
-286 -271 -205 -329 167 -374 192 526 -141 -16
Purchase of Property, Leasehold Improvements and Equipment
-144 -123 -102 -189 -81 -88 -107 -136 -111 -119
Purchase of Investment Securities
-120 -104 -335 -27 -5,818 -6,427 -629 -1,543 -499 -412
Divestitures
- - - 0.00 712 0.00 0.00 887 0.00 0.00
Sale and/or Maturity of Investments
100 63 232 37 5,401 6,210 1,036 1,389 506 526
Other Investing Activities, net
-123 -107 - -150 -47 -69 -108 -72 -36 -12
Net Cash From Financing Activities
-1,252 -1,209 -571 -357 -1,484 -186 -1,270 -1,177 -897 -69
Net Cash From Continuing Financing Activities
-1,252 -1,209 -571 -357 -1,484 -186 -1,270 -1,177 -897 -69
Issuance of Debt
0.00 575 746 810 616 -165 1,087 -95 185 433
Repayment of Debt
-500 -1,005 -500 -424 -825 0.00 -1,164 -300 -300 0.00
Repurchase of Common Equity
-511 -502 -503 -412 -553 -240 -410 -370 -308 -186
Payment of Dividends
-317 -312 -326 -342 -341 -370 -382 -364 -349 -322
Other Financing Activities, Net
76 35 12 10 -382 589 -400 -48 -124 5.20
Cash Interest Paid
162 159 128 143 151 110 102 97 102 114
Cash Income Taxes Paid
93 68 -12 339 319 187 186 280 197 325

Quarterly Cash Flow Statements for Western Union

This table details how cash moves in and out of Western Union's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents
188 -69 -38 -373 18 138 -245 -55 -58 679
Net Cash From Operating Activities
216 59 137 127 255 265 94 -34 212 134
Net Cash From Continuing Operating Activities
216 59 137 127 255 265 94 -34 212 134
Net Income / (Loss) Continuing Operations
174 249 152 176 171 127 143 141 265 386
Consolidated Net Income / (Loss)
174 249 152 176 171 127 143 141 265 386
Depreciation Expense
9.20 11 10 9.90 9.80 9.20 9.20 9.50 8.90 9.80
Amortization Expense
36 35 36 36 36 36 37 37 34 34
Non-Cash Adjustments to Reconcile Net Income
21 -64 19 16 11 38 20 30 39 -215
Changes in Operating Assets and Liabilities, net
-24 -172 -80 -112 27 54 -115 -251 -135 -81
Net Cash From Investing Activities
74 159 -36 -29 -11 -64 -6.30 -62 -66 118
Net Cash From Continuing Investing Activities
74 159 -36 -29 -11 -64 -6.30 -62 -66 118
Purchase of Property, Leasehold Improvements and Equipment
-31 -47 -26 -31 -26 -29 -33 -27 -23 -37
Purchase of Investment Securities
-164 -484 -124 -73 -184 -119 -155 -118 -89 -51
Sale and/or Maturity of Investments
301 713 145 77 199 86 184 85 50 207
Other Investing Activities, net
-32 -14 -31 -1.90 -1.40 -2.10 -2.40 -2.80 -4.50 -2.10
Net Cash From Financing Activities
-102 -287 -139 -471 -226 -62 -333 41 -204 428
Net Cash From Continuing Financing Activities
-102 -287 -139 -471 -226 -62 -333 41 -204 428
Issuance of Debt
-85 5.00 -155 650 -505 195 35 95 -50 353
Repurchase of Common Equity
-7.60 -177 -5.10 -0.90 -91 -211 -151 -30 -1.70 -3.70
Payment of Dividends
-91 -89 -88 -91 -87 -83 -81 -82 -80 -80
Other Financing Activities, Net
81 -27 109 -729 458 38 -137 58 -73 158
Cash Interest Paid
17 32 17 34 22 29 21 34 27 31
Cash Income Taxes Paid
32 99 13 149 14 21 17 246 59 3.20

Annual Balance Sheets for Western Union

This table presents Western Union's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets
9,449 9,420 9,231 8,997 8,759 9,496 8,824 8,496 8,199 8,371
Cash and Due from Banks
1,316 878 838 973 1,451 1,428 1,208 1,286 1,269 1,474
Loans and Leases, Net of Allowance
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net
232 221 214 270 187 150 129 110 91 84
Goodwill
3,164 3,162 2,728 2,725 2,567 2,567 2,035 2,035 2,035 2,060
Intangible Assets
705 664 586 598 495 505 417 458 380 315
Other Assets
4,033 4,495 4,865 4,430 4,060 4,846 5,034 4,608 4,424 4,437
Total Liabilities & Shareholders' Equity
9,449 9,420 9,231 8,997 8,759 9,496 8,824 8,496 8,199 8,371
Total Liabilities
8,044 8,517 9,723 9,307 8,798 9,310 8,468 8,019 7,720 7,402
Other Short-Term Payables
607 1,130 719 565 602 501 450 464 453 408
Long-Term Debt
3,216 2,786 3,034 3,434 3,229 3,067 3,008 2,617 2,505 2,941
Other Long-Term Liabilities
4,222 4,602 5,971 5,308 4,967 5,742 5,009 4,938 4,762 4,053
Commitments & Contingencies
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
1,405 902 -491 -310 -40 187 356 478 479 969
Total Preferred & Common Equity
1,405 902 -491 -310 -40 187 356 478 479 969
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity
1,405 902 -491 -310 -40 187 356 478 479 969
Common Stock
572 646 702 760 845 889 945 1,000 1,035 1,074
Retained Earnings
977 419 -966 -839 -676 -543 -537 -354 -389 35
Accumulated Other Comprehensive Income / (Loss)
-144 -163 -228 -231 -209 -160 -52 -168 -167 -141

Quarterly Balance Sheets for Western Union

This table presents Western Union's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets
8,901 8,234 8,487 7,914 8,053 7,971 7,676
Cash and Due from Banks
1,176 1,229 1,586 1,138 1,107 1,033 1,098
Loans and Leases, Net of Allowance
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net
112 103 96 91 89 83 87
Goodwill
2,035 2,035 2,035 2,035 2,050 2,056 2,061
Intangible Assets
466 440 430 407 369 347 331
Other Assets
5,112 4,427 4,340 4,243 4,440 4,452 4,099
Total Liabilities & Shareholders' Equity
8,901 8,234 8,487 7,914 8,053 7,971 7,676
Total Liabilities
8,373 7,681 7,861 7,300 7,655 7,531 7,023
Other Short-Term Payables
436 409 418 433 393 377 426
Long-Term Debt
2,611 2,463 2,813 2,309 2,540 2,636 2,587
Other Long-Term Liabilities
5,326 4,809 4,630 4,558 4,722 4,518 4,010
Commitments & Contingencies
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
528 553 627 614 398 441 653
Total Preferred & Common Equity
528 553 627 614 398 441 653
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity
528 553 627 614 398 441 653
Common Stock
987 1,008 1,017 1,027 1,044 1,054 1,064
Retained Earnings
-337 -297 -210 -229 -485 -451 -270
Accumulated Other Comprehensive Income / (Loss)
-121 -158 -180 -184 -161 -162 -142

Annual Metrics and Ratios for Western Union

This table displays calculated financial ratios and metrics derived from Western Union's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
1.04% -3.91% 4.82% 1.19% 1.34% -14.65% 2.69% -6.90% -7.64% -4.21%
EBITDA Growth
11.93% -56.71% 23.59% 87.74% 12.80% -23.74% -6.45% 8.96% -24.85% -14.08%
EBIT Growth
15.48% -69.88% 42.24% 135.83% 16.44% -25.97% -6.15% 13.70% -29.26% -17.01%
NOPAT Growth
16.69% -74.91% -407.74% 226.41% 8.53% -19.54% -7.12% 19.17% -34.23% 49.32%
Net Income Growth
-1.71% -69.78% -320.02% 252.92% 24.23% -29.67% 8.26% 13.01% -31.25% 49.23%
EPS Growth
1.89% -68.52% -333.33% 257.14% 31.55% -27.24% 10.06% 18.78% -28.21% 63.10%
Operating Cash Flow Growth
2.41% -2.73% -28.78% 10.69% 11.36% -4.06% 19.12% -44.36% 34.65% -48.12%
Free Cash Flow Firm Growth
21.37% -14.96% -67.53% -0.21% 156.35% -20.66% -13.64% 78.81% -39.74% -101.51%
Invested Capital Growth
-7.97% -20.18% -31.07% 22.88% 2.11% 2.01% 3.39% -8.01% -3.59% 31.04%
Revenue Q/Q Growth
2.64% -3.05% 3.81% -2.46% -3.53% 1.63% -0.26% -2.04% -3.65% -1.46%
EBITDA Q/Q Growth
14.63% -55.76% 35.82% 43.68% -9.26% 9.46% -4.62% 3.36% -11.22% -5.91%
EBIT Q/Q Growth
18.92% -69.15% 69.02% 59.53% -10.78% 13.36% -4.81% 4.15% -13.53% -7.28%
NOPAT Q/Q Growth
17.50% -74.45% -487.25% 233.12% -14.45% 19.88% -3.96% 10.23% -20.66% 27.48%
Net Income Q/Q Growth
-1.09% -69.14% -366.81% 277.07% -6.76% 5.94% -1.02% 9.71% -16.35% 38.30%
EPS Q/Q Growth
0.00% -69.09% -353.19% 288.89% -5.75% 5.92% -0.51% 10.90% -15.15% 40.51%
Operating Cash Flow Q/Q Growth
-0.34% -4.31% 15.38% -1.92% -5.53% 5.10% 6.89% -34.04% 35.53% -24.31%
Free Cash Flow Firm Q/Q Growth
53.59% -0.71% -32.35% -40.12% 12.11% -5.94% -3.57% 29.54% -26.81% -102.72%
Invested Capital Q/Q Growth
-4.35% -20.04% -40.08% 8.48% -1.19% 4.84% 4.43% -1.42% 2.08% 20.69%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
25.17% 11.34% 13.37% 24.81% 27.61% 24.67% 22.48% 26.30% 21.40% 19.20%
EBIT Margin
20.25% 6.35% 8.61% 20.07% 23.07% 20.01% 18.28% 22.33% 17.10% 14.82%
Profit (Net Income) Margin
15.27% 4.80% -10.08% 15.24% 18.68% 15.39% 16.23% 19.70% 14.66% 22.84%
Tax Burden Percent
88.96% 74.10% -160.32% 85.93% 80.09% 87.04% 86.15% 90.28% 83.94% 151.02%
Interest Burden Percent
84.80% 102.15% 73.03% 88.35% 101.13% 88.40% 103.04% 97.71% 102.14% 102.08%
Effective Tax Rate
11.04% 25.90% 260.32% 14.07% 19.91% 12.96% 13.86% 9.72% 16.06% -51.02%
Return on Invested Capital (ROIC)
20.49% 5.97% -24.49% 34.03% 33.15% 26.13% 23.63% 28.86% 20.17% 26.55%
ROIC Less NNEP Spread (ROIC-NNEP)
16.16% 6.14% -17.42% 30.56% 33.50% 23.03% 24.42% 28.10% 20.68% 27.25%
Return on Net Nonoperating Assets (RNNOA)
41.44% 15.98% -246.74% -246.69% -639.10% 985.83% 273.60% 189.67% 110.69% 102.49%
Return on Equity (ROE)
61.94% 21.95% -271.23% -212.66% -605.95% 1,011.96% 297.23% 218.53% 130.85% 129.04%
Cash Return on Invested Capital (CROIC)
28.79% 28.41% 12.30% 13.50% 31.06% 24.15% 20.30% 37.20% 23.82% -0.32%
Operating Return on Assets (OROA)
11.49% 3.55% 5.10% 12.31% 14.72% 10.60% 9.91% 11.92% 8.75% 7.31%
Return on Assets (ROA)
8.66% 2.68% -5.97% 9.35% 11.92% 8.15% 8.80% 10.52% 7.50% 11.28%
Return on Common Equity (ROCE)
61.94% 21.95% -271.23% -212.66% -605.95% 1,011.96% 297.23% 218.53% 130.85% 129.04%
Return on Equity Simple (ROE_SIMPLE)
59.63% 28.06% 113.37% -274.98% -2,679.24% 398.87% 226.60% 190.58% 130.69% 96.42%
Net Operating Profit after Tax (NOPAT)
988 248 -763 964 1,046 842 782 932 613 915
NOPAT Margin
18.01% 4.70% -13.81% 17.25% 18.47% 17.41% 15.75% 20.16% 14.35% 22.38%
Net Nonoperating Expense Percent (NNEP)
4.33% -0.18% -7.07% 3.47% -0.36% 3.10% -0.78% 0.76% -0.51% -0.70%
SG&A Expenses to Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue
79.75% 93.65% 91.39% 79.93% 76.93% 79.99% 81.72% 77.67% 82.90% 85.18%
Earnings before Interest and Taxes (EBIT)
1,111 335 476 1,122 1,307 967 908 1,032 730 606
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
1,381 598 739 1,387 1,564 1,193 1,116 1,216 914 785
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
4.29 8.04 0.00 0.00 0.00 38.74 16.87 9.49 8.38 3.70
Price to Tangible Book Value (P/TBV)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)
1.10 1.38 1.13 1.00 1.53 1.50 1.21 0.98 0.94 0.88
Price to Earnings (P/E)
7.20 28.65 0.00 6.58 8.17 9.71 7.45 4.98 6.41 3.83
Dividend Yield
5.19% 4.28% 5.16% 6.00% 3.88% 5.12% 6.30% 8.00% 8.53% 8.87%
Earnings Yield
13.89% 3.49% 0.00% 15.20% 12.24% 10.30% 13.43% 20.08% 15.59% 26.09%
Enterprise Value to Invested Capital (EV/IC)
1.72 2.48 3.32 2.58 3.27 2.73 2.32 1.90 1.76 1.29
Enterprise Value to Revenue (EV/Rev)
1.45 1.74 1.53 1.44 1.84 1.83 1.57 1.27 1.23 1.23
Enterprise Value to EBITDA (EV/EBITDA)
5.75 15.33 11.41 5.82 6.66 7.43 6.99 4.82 5.75 6.43
Enterprise Value to EBIT (EV/EBIT)
7.14 27.39 17.72 7.19 7.98 9.17 8.59 5.68 7.19 8.33
Enterprise Value to NOPAT (EV/NOPAT)
8.03 36.97 0.00 8.37 9.96 10.53 9.97 6.30 8.57 5.52
Enterprise Value to Operating Cash Flow (EV/OCF)
7.41 8.79 11.36 9.82 11.40 10.11 7.46 10.09 6.70 12.42
Enterprise Value to Free Cash Flow (EV/FCFF)
5.72 7.76 21.99 21.09 10.63 11.40 11.61 4.88 7.25 0.00
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
2.29 3.09 -6.17 -11.08 -81.75 16.44 8.46 5.48 5.23 3.04
Long-Term Debt to Equity
2.29 3.09 -6.17 -11.08 -81.75 16.44 8.46 5.48 5.23 3.04
Financial Leverage
2.56 2.60 14.17 -8.07 -19.08 42.80 11.21 6.75 5.35 3.76
Leverage Ratio
7.15 8.18 45.40 -22.75 -50.83 124.10 33.79 20.78 17.45 11.44
Compound Leverage Factor
6.06 8.35 33.16 -20.10 -51.41 109.70 34.82 20.31 17.82 11.68
Debt to Total Capital
69.60% 75.54% 119.33% 109.92% 101.24% 94.27% 89.43% 84.56% 83.95% 75.22%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
69.60% 75.54% 119.33% 109.92% 101.24% 94.27% 89.43% 84.56% 83.95% 75.22%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
30.40% 24.46% -19.33% -9.92% -1.24% 5.73% 10.57% 15.44% 16.05% 24.78%
Debt to EBITDA
2.33 4.66 4.11 2.48 2.06 2.57 2.70 2.15 2.74 3.75
Net Debt to EBITDA
1.38 3.19 2.97 1.77 1.14 1.37 1.61 1.09 1.35 1.87
Long-Term Debt to EBITDA
2.33 4.66 4.11 2.48 2.06 2.57 2.70 2.15 2.74 3.75
Debt to NOPAT
3.26 11.24 -3.98 3.56 3.09 3.64 3.85 2.81 4.09 3.21
Net Debt to NOPAT
1.92 7.70 -2.88 2.55 1.70 1.95 2.30 1.43 2.02 1.60
Long-Term Debt to NOPAT
3.26 11.24 -3.98 3.56 3.09 3.64 3.85 2.81 4.09 3.21
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
1,388 1,180 383 383 981 778 672 1,201 724 -11
Operating Cash Flow to CapEx
745.37% 850.53% 725.32% 435.24% 1,127.74% 1,000.57% 976.00% 426.71% 702.96% 342.00%
Free Cash Flow to Firm to Interest Expense
0.00 7.74 0.00 0.00 6.45 0.00 6.37 11.89 6.87 -0.09
Operating Cash Flow to Interest Expense
0.00 6.83 0.00 0.00 6.02 0.00 9.91 5.76 7.44 3.39
Operating Cash Flow Less CapEx to Interest Expense
0.00 6.03 0.00 0.00 5.48 0.00 8.89 4.41 6.38 2.40
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.57 0.56 0.59 0.61 0.64 0.53 0.54 0.53 0.51 0.49
Fixed Asset Turnover
25.03 23.30 25.42 23.07 24.77 28.67 35.49 38.68 42.48 46.58
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
4,621 3,688 2,542 3,124 3,190 3,254 3,364 3,095 2,984 3,910
Invested Capital Turnover
1.14 1.27 1.77 1.97 1.79 1.50 1.50 1.43 1.40 1.19
Increase / (Decrease) in Invested Capital
-400 -933 -1,146 582 66 64 110 -269 -111 926
Enterprise Value (EV)
7,934 9,162 8,430 8,067 10,423 8,868 7,800 5,866 5,250 5,047
Market Capitalization
6,034 7,254 6,234 5,606 8,644 7,229 6,000 4,535 4,014 3,581
Book Value per Share
$2.78 $1.86 ($1.07) ($0.70) ($0.09) $0.45 $0.88 $1.24 $1.31 $2.87
Tangible Book Value per Share
($4.88) ($6.03) ($8.29) ($8.20) ($7.40) ($7.02) ($5.21) ($5.22) ($5.31) ($4.16)
Total Capital
4,621 3,688 2,542 3,124 3,190 3,254 3,364 3,095 2,984 3,910
Total Debt
3,216 2,786 3,034 3,434 3,229 3,067 3,008 2,617 2,505 2,941
Total Long-Term Debt
3,216 2,786 3,034 3,434 3,229 3,067 3,008 2,617 2,505 2,941
Net Debt
1,900 1,909 2,195 2,460 1,779 1,639 1,800 1,331 1,236 1,467
Capital Expenditures (CapEx)
144 123 102 189 81 88 107 136 111 119
Net Nonoperating Expense (NNE)
150 -5.34 -206 112 -12 98 -24 21 -13 -19
Net Nonoperating Obligations (NNO)
3,216 2,786 3,034 3,434 3,229 3,067 3,008 2,617 2,505 2,941
Total Depreciation and Amortization (D&A)
270 263 263 265 258 226 208 184 184 179
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$0.00 $0.00 $0.00 $0.00 $2.47 $1.81 $1.98 $2.35 $1.69 $2.75
Adjusted Weighted Average Basic Shares Outstanding
0.00 0.00 0.00 0.00 427.60M 412.30M 406.80M 387.20M 370.80M 340M
Adjusted Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $2.46 $1.79 $1.97 $2.34 $1.68 $2.74
Adjusted Weighted Average Diluted Shares Outstanding
0.00 0.00 0.00 0.00 430.90M 415.20M 408.90M 388.40M 371.80M 341.10M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $2.47 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
0.00 0.00 0.00 0.00 413.12M 410.92M 393.53M 373.65M 342.20M 337.93M
Normalized Net Operating Profit after Tax (NOPAT)
988 248 658 964 1,046 842 782 932 613 424
Normalized NOPAT Margin
18.01% 4.70% 11.91% 17.25% 18.47% 17.41% 15.75% 20.16% 14.35% 10.37%
Pre Tax Income Margin
17.17% 6.48% 6.29% 17.74% 23.33% 17.69% 18.84% 21.82% 17.47% 15.13%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
0.00 2.19 0.00 0.00 8.60 0.00 8.60 10.22 6.93 5.06
NOPAT to Interest Expense
0.00 1.63 0.00 0.00 6.88 0.00 7.41 9.23 5.82 7.64
EBIT Less CapEx to Interest Expense
0.00 1.39 0.00 0.00 8.06 0.00 7.59 8.87 5.88 4.07
NOPAT Less CapEx to Interest Expense
0.00 0.82 0.00 0.00 6.35 0.00 6.40 7.88 4.76 6.65
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
37.78% 123.30% -58.45% 40.11% 32.20% 49.75% 47.36% 40.00% 55.75% 34.41%
Augmented Payout Ratio
98.81% 321.41% -148.70% 88.52% 84.42% 81.96% 98.23% 80.62% 105.02% 54.35%

Quarterly Metrics and Ratios for Western Union

This table displays calculated financial ratios and metrics derived from Western Union's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
-15.56% -7.66% -19.14% 2.65% 2.29% -13.90% -1.34% -9.42% -7.81% 2.68%
EBITDA Growth
-26.96% 17.24% -38.84% -8.28% -1.39% -43.00% -15.40% -21.34% -29.12% 24.82%
EBIT Growth
-29.46% 22.68% -43.78% -9.87% -2.27% -51.42% -18.91% -25.97% -34.27% 36.76%
NOPAT Growth
-20.67% 51.46% -41.77% -10.65% -8.89% -62.83% -18.83% -22.40% 53.23% 305.22%
Net Income Growth
-25.27% 47.75% -48.24% -9.18% -1.67% -49.08% -5.99% -19.98% 54.85% 203.70%
EPS Growth
-21.05% 54.76% -45.95% -6.00% 2.22% -46.15% 2.50% -12.77% 69.57% 225.71%
Operating Cash Flow Growth
-35.93% -83.52% -31.35% 18.63% 18.09% 346.79% -31.54% -126.68% -16.69% -49.34%
Free Cash Flow Firm Growth
130.07% 792.46% -94.93% -135.82% 44.21% -60.76% 398.30% 514.72% -114.98% -362.10%
Invested Capital Growth
-2.54% -8.01% 4.44% 9.41% -6.90% -3.59% -2.56% -10.55% 10.84% 31.04%
Revenue Q/Q Growth
-4.41% 9.23% -10.81% 10.23% -4.74% -8.06% -6.00% 1.20% -3.04% 2.39%
EBITDA Q/Q Growth
-11.82% 6.84% -6.44% 4.06% -5.20% -38.24% -11.56% -3.25% -14.58% 8.76%
EBIT Q/Q Growth
-13.63% 7.60% -7.92% 5.32% -6.35% -46.51% -15.00% -3.86% -16.85% 11.30%
NOPAT Q/Q Growth
-5.59% 38.06% -32.96% 2.26% -3.74% -43.68% -19.05% -2.24% 90.09% 48.95%
Net Income Q/Q Growth
-10.36% 43.42% -39.13% 16.07% -2.95% -25.73% 12.36% -1.19% 87.80% 45.66%
EPS Q/Q Growth
-10.00% 44.44% -38.46% 17.50% -2.13% -23.91% 17.14% 0.00% 90.24% 46.15%
Operating Cash Flow Q/Q Growth
101.87% -72.54% 131.93% -7.72% 100.95% 3.89% -64.46% -135.96% 727.51% -36.82%
Free Cash Flow Firm Q/Q Growth
-20.41% 96.53% -91.73% -376.82% 420.39% -46.53% -23.48% 130.39% -111.57% -835.69%
Invested Capital Q/Q Growth
-0.14% -1.42% -2.56% 14.06% -15.03% 2.08% -1.52% 4.71% 5.29% 20.69%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
23.62% 23.10% 24.24% 22.88% 22.77% 15.29% 20.78% 19.87% 17.50% 18.59%
EBIT Margin
19.41% 19.12% 19.74% 18.86% 18.54% 10.79% 16.23% 15.42% 13.22% 14.37%
Profit (Net Income) Margin
16.34% 21.45% 14.64% 15.42% 15.71% 12.69% 13.95% 13.62% 26.38% 37.53%
Tax Burden Percent
89.78% 115.20% 83.87% 81.42% 83.70% 88.13% 83.94% 85.35% 195.14% 261.14%
Interest Burden Percent
93.76% 97.39% 88.42% 100.37% 101.19% 133.43% 102.41% 103.51% 102.26% 100.00%
Effective Tax Rate
10.22% -15.20% 16.13% 18.58% 16.30% 11.87% 16.06% 14.65% -95.14% -161.14%
Return on Invested Capital (ROIC)
25.86% 31.53% 24.56% 20.56% 22.69% 13.36% 19.87% 17.10% 34.75% 44.53%
ROIC Less NNEP Spread (ROIC-NNEP)
25.43% 31.29% 23.76% 20.59% 22.77% 14.60% 20.01% 17.28% 34.99% 44.53%
Return on Net Nonoperating Assets (RNNOA)
154.94% 211.22% 131.11% 105.51% 98.12% 78.16% 105.28% 88.22% 135.28% 167.47%
Return on Equity (ROE)
180.80% 242.76% 155.67% 126.07% 120.81% 91.52% 125.16% 105.32% 170.03% 212.00%
Cash Return on Invested Capital (CROIC)
29.16% 37.20% 23.15% 15.01% 32.63% 23.82% 24.56% 30.02% 13.02% -0.32%
Operating Return on Assets (OROA)
10.31% 10.21% 10.34% 9.62% 9.77% 5.52% 8.65% 7.93% 7.04% 7.09%
Return on Assets (ROA)
8.68% 11.45% 7.66% 7.87% 8.28% 6.49% 7.44% 7.01% 14.05% 18.53%
Return on Common Equity (ROCE)
180.80% 242.76% 155.67% 126.07% 120.81% 91.52% 125.16% 105.32% 170.03% 212.00%
Return on Equity Simple (ROE_SIMPLE)
157.11% 0.00% 139.13% 119.92% 121.97% 0.00% 155.04% 131.96% 103.49% 0.00%
Net Operating Profit after Tax (NOPAT)
185 256 172 176 169 95 139 136 259 386
NOPAT Margin
17.43% 22.03% 16.56% 15.36% 15.52% 9.51% 13.62% 13.16% 25.80% 37.53%
Net Nonoperating Expense Percent (NNEP)
0.42% 0.24% 0.80% -0.02% -0.08% -1.24% -0.13% -0.18% -0.24% 0.00%
SG&A Expenses to Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue
80.59% 80.88% 80.26% 81.14% 81.46% 89.21% 83.77% 84.58% 86.78% 85.63%
Earnings before Interest and Taxes (EBIT)
207 222 205 216 202 108 166 160 133 148
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
251 269 251 262 248 153 213 206 176 191
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
8.62 9.49 6.85 6.51 7.46 8.38 12.56 9.38 6.17 3.70
Price to Tangible Book Value (P/TBV)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)
0.97 0.98 0.87 0.93 1.03 0.94 1.15 0.98 0.97 0.88
Price to Earnings (P/E)
5.49 4.98 4.93 5.43 6.11 6.41 8.10 7.11 5.97 3.83
Dividend Yield
7.96% 8.00% 9.27% 8.64% 7.70% 8.53% 6.85% 7.69% 7.88% 8.87%
Earnings Yield
18.23% 20.08% 20.30% 18.43% 16.36% 15.59% 12.34% 14.07% 16.76% 26.09%
Enterprise Value to Invested Capital (EV/IC)
1.91 1.90 1.67 1.54 1.97 1.76 2.19 1.86 1.70 1.29
Enterprise Value to Revenue (EV/Rev)
1.27 1.27 1.15 1.20 1.30 1.23 1.48 1.35 1.33 1.23
Enterprise Value to EBITDA (EV/EBITDA)
5.09 4.82 4.76 5.13 5.58 5.75 6.68 6.33 6.61 6.43
Enterprise Value to EBIT (EV/EBIT)
6.04 5.68 5.76 6.25 6.80 7.19 8.26 7.94 8.44 8.33
Enterprise Value to NOPAT (EV/NOPAT)
7.08 6.30 6.19 6.71 7.44 8.57 9.84 9.33 7.69 5.52
Enterprise Value to Operating Cash Flow (EV/OCF)
6.79 10.09 9.68 9.84 9.94 6.70 8.69 9.90 10.28 12.42
Enterprise Value to Free Cash Flow (EV/FCFF)
6.46 4.88 7.35 10.73 5.81 7.25 8.80 5.87 13.76 0.00
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
4.94 5.48 4.46 4.49 3.76 5.23 6.38 5.98 3.96 3.04
Long-Term Debt to Equity
4.94 5.48 4.46 4.49 3.76 5.23 6.38 5.98 3.96 3.04
Financial Leverage
6.09 6.75 5.52 5.13 4.31 5.35 5.26 5.11 3.87 3.76
Leverage Ratio
19.82 20.78 18.47 16.07 14.73 17.45 17.13 15.42 12.31 11.44
Compound Leverage Factor
18.58 20.24 16.33 16.13 14.90 23.28 17.54 15.96 12.59 11.44
Debt to Total Capital
83.17% 84.56% 81.67% 81.79% 79.01% 83.95% 86.46% 85.67% 79.85% 75.22%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
83.17% 84.56% 81.67% 81.79% 79.01% 83.95% 86.46% 85.67% 79.85% 75.22%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
16.83% 15.44% 18.33% 18.21% 20.99% 16.05% 13.54% 14.33% 20.15% 24.78%
Debt to EBITDA
2.22 2.15 2.33 2.72 2.24 2.74 2.64 2.91 3.10 3.75
Net Debt to EBITDA
1.22 1.09 1.17 1.19 1.14 1.35 1.49 1.77 1.78 1.87
Long-Term Debt to EBITDA
2.22 2.15 2.33 2.72 2.24 2.74 2.64 2.91 3.10 3.75
Debt to NOPAT
3.09 2.81 3.04 3.56 2.99 4.09 3.89 4.29 3.60 3.21
Net Debt to NOPAT
1.70 1.43 1.52 1.55 1.52 2.02 2.19 2.61 2.07 1.60
Long-Term Debt to NOPAT
3.09 2.81 3.04 3.56 2.99 4.09 3.89 4.29 3.60 3.21
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
267 525 43 -120 386 206 217 499 -58 -540
Operating Cash Flow to CapEx
693.25% 125.42% 520.08% 411.36% 990.66% 928.07% 287.46% -127.07% 930.26% 365.12%
Free Cash Flow to Firm to Interest Expense
10.61 20.06 0.00 -4.46 14.28 4.02 8.30 16.05 -1.79 -17.78
Operating Cash Flow to Interest Expense
8.56 2.26 0.00 4.69 9.43 5.16 3.60 -1.09 6.59 4.41
Operating Cash Flow Less CapEx to Interest Expense
7.32 0.46 0.00 3.55 8.48 4.60 2.35 -1.94 5.88 3.20
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.53 0.53 0.52 0.51 0.53 0.51 0.53 0.51 0.53 0.49
Fixed Asset Turnover
38.76 38.68 38.74 41.59 43.70 42.48 45.31 47.35 46.77 46.58
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
3,139 3,095 3,016 3,440 2,923 2,984 2,938 3,077 3,239 3,910
Invested Capital Turnover
1.48 1.43 1.48 1.34 1.46 1.40 1.46 1.30 1.35 1.19
Increase / (Decrease) in Invested Capital
-82 -269 128 296 -217 -111 -77 -363 317 926
Enterprise Value (EV)
5,989 5,866 5,023 5,303 5,746 5,250 6,431 5,737 5,519 5,047
Market Capitalization
4,554 4,535 3,789 4,076 4,575 4,014 4,998 4,134 4,030 3,581
Book Value per Share
$1.37 $1.24 $1.48 $1.67 $1.64 $1.31 $1.16 $1.30 $1.93 $2.87
Tangible Book Value per Share
($5.11) ($5.22) ($5.14) ($4.91) ($4.88) ($5.31) ($5.87) ($5.80) ($5.15) ($4.16)
Total Capital
3,139 3,095 3,016 3,440 2,923 2,984 2,938 3,077 3,239 3,910
Total Debt
2,611 2,617 2,463 2,813 2,309 2,505 2,540 2,636 2,587 2,941
Total Long-Term Debt
2,611 2,617 2,463 2,813 2,309 2,505 2,540 2,636 2,587 2,941
Net Debt
1,435 1,331 1,234 1,227 1,171 1,236 1,434 1,603 1,489 1,467
Capital Expenditures (CapEx)
31 47 26 31 26 29 33 27 23 37
Net Nonoperating Expense (NNE)
12 6.68 20 -0.65 -2.01 -32 -3.36 -4.78 -5.85 0.00
Net Nonoperating Obligations (NNO)
2,611 2,617 2,463 2,813 2,309 2,505 2,540 2,636 2,587 2,941
Total Depreciation and Amortization (D&A)
45 46 47 46 46 45 47 46 43 43
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$0.45 $0.65 $0.41 $0.47 $0.46 $0.35 $0.41 $0.42 $0.78 $1.14
Adjusted Weighted Average Basic Shares Outstanding
386.50M 387.20M 374.40M 375M 373.90M 370.80M 344.40M 338.60M 338.30M 340M
Adjusted Diluted Earnings per Share
$0.45 $0.65 $0.40 $0.47 $0.46 $0.35 $0.41 $0.41 $0.78 $1.14
Adjusted Weighted Average Diluted Shares Outstanding
387.60M 388.40M 375.50M 375.60M 375M 371.80M 345.70M 339.60M 339.50M 341.10M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
386.17M 373.65M 374.47M 374.53M 364.36M 342.20M 338.34M 337.78M 337.80M 337.93M
Normalized Net Operating Profit after Tax (NOPAT)
185 156 172 176 169 95 139 136 93 103
Normalized NOPAT Margin
17.43% 13.38% 16.56% 15.36% 15.52% 9.51% 13.62% 13.16% 9.25% 10.06%
Pre Tax Income Margin
18.20% 18.62% 17.46% 18.93% 18.76% 14.40% 16.62% 15.96% 13.52% 14.37%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
8.20 8.48 0.00 7.99 7.48 2.11 6.36 5.13 4.12 4.86
NOPAT to Interest Expense
7.36 9.77 0.00 6.50 6.26 1.86 5.34 4.38 8.04 12.69
EBIT Less CapEx to Interest Expense
6.96 6.68 0.00 6.84 6.53 1.55 5.11 4.28 3.41 3.65
NOPAT Less CapEx to Interest Expense
6.13 7.97 0.00 5.36 5.31 1.30 4.09 3.52 7.33 11.48
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
44.39% 40.00% 46.87% 47.66% 47.39% 55.75% 55.34% 57.18% 48.10% 34.41%
Augmented Payout Ratio
88.63% 80.62% 75.56% 73.01% 83.99% 105.02% 128.92% 140.24% 106.40% 54.35%

Frequently Asked Questions About Western Union's Financials

When does Western Union's financial year end?

According to the most recent income statement we have on file, Western Union's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Western Union's net income changed over the last 9 years?

Western Union's net income appears to be on an upward trend, with a most recent value of $934.20 million in 2024, rising from $837.80 million in 2015. The previous period was $626 million in 2023.

How has Western Union revenue changed over the last 9 years?

Over the last 9 years, Western Union's total revenue changed from $5.48 billion in 2015 to $4.09 billion in 2024, a change of -25.4%.

How much debt does Western Union have?

Western Union's total liabilities were at $7.40 billion at the end of 2024, a 4.1% decrease from 2023, and a 8.0% decrease since 2015.

How much cash does Western Union have?

In the past 9 years, Western Union's cash and equivalents has ranged from $838.20 million in 2017 to $1.47 billion in 2024, and is currently $1.47 billion as of their latest financial filing in 2024.

How has Western Union's book value per share changed over the last 9 years?

Over the last 9 years, Western Union's book value per share changed from 2.78 in 2015 to 2.87 in 2024, a change of 3.2%.

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This page (NYSE:WU) was last updated on 4/16/2025 by MarketBeat.com Staff
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