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The Western Union Co - Stock Quote WU

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Morningstar's The Western Union Co Stock Analysis

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Is it the right time to buy or sell?
Is it the right time to buy or sell?

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Economic Moat


Capital Allocation


Western Union faces significant near-term headwinds

Brett Horn, CFA Senior Equity Analyst

Business Strategy and Outlook

| Brett Horn, CFA |

Western Union's primary macroeconomic exposure is to employment markets in the developed world, as the search for better economic opportunities is the fundamental driver for money transfers. While conditions have improved over time in the United States and Europe, a region that is about equally important for Western Union as the U.S., growth remains modest, with new entrants adding to the issues for legacy operators like Western Union. At this point, we don't see a catalyst to improve the situation. Pandemic-related headwinds appear to be lingering, and the decision to exit Russia will add pressure. We continue to believe Western Union has a wide moat based on its sizable scale advantage, but with a stagnant top line, the value of the moat over the next few years could be questioned.

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The Western Union Co's Company Profile

Business Description

Western Union provides domestic and international money transfers through its global network of about 500,000 outside agents. It is the largest money transfer company in the world and one of only a few companies with a truly global agent network.

7001 East Belleview Avenue
Denver, CO, 80237
T +1 866 405-5012
Sector Financial Services
Industry Credit Services
Most Recent Earnings Mar 31, 2022
Fiscal Year End Dec 31, 2022
Stock Type High Yield
Employees 10,500

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