ScoreComparison
Why is The Western Union Co. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 210.19%
- OPERATING CASH FLOW(Y) Lowest at USD 494 MM
- INTEREST COVERAGE RATIO(Q) Lowest at 634.6
- INTEREST(Q) Highest at USD 36.7 MM
2
With ROE of 97.40%, it has a very attractive valuation with a 3.33 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -16.90%, its profits have risen by 48.3% ; the PEG ratio of the company is 0.1
- At the current price, the company has a high dividend yield of 1126
3
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -16.90% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Western Union Co. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is The Western Union Co. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
The Western Union Co.
-16.85%
-0.90
32.46%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-3.54%
EBIT Growth (5y)
-6.58%
EBIT to Interest (avg)
9.02
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
Tax Ratio is Negative%
Dividend Payout Ratio
34.32%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
210.19%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
3
Industry P/E
Price to Book Value
3.33
EV to EBIT
2.58
EV to EBITDA
2.07
EV to Capital Employed
-5.24
EV to Sales
0.44
PEG Ratio
0.07
Dividend Yield
1125.96%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
97.40%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 63.44%
NET PROFIT(9M)
At USD 631.3 MM has Grown at 53.71%
RAW MATERIAL COST(Y)
Fallen by 0.15% (YoY
-11What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 494 MM
INTEREST COVERAGE RATIO(Q)
Lowest at 634.6
INTEREST(Q)
Highest at USD 36.7 MM
NET PROFIT(Q)
Lowest at USD 122.1 MM
Here's what is working for The Western Union Co.
Dividend Payout Ratio
Highest at 63.44% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Raw Material Cost
Fallen by 0.15% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for The Western Union Co.
Net Profit
At USD 122.1 MM has Fallen at -46.62%
over average net sales of the previous four periods of USD 228.75 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Interest
At USD 36.7 MM has Grown at 12.58%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest Coverage Ratio
Lowest at 634.6
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Operating Cash Flow
Lowest at USD 494 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Interest
Highest at USD 36.7 MM
in the last five periods and Increased by 12.58% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Net Profit
Lowest at USD 122.1 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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