The Western Union Company (WU)

From the record

The Western Union Company's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

The Western Union Company's 10 filed years say what it did: revenue went from $5.4 billion in fiscal 2016 to $4.1 billion in fiscal 2025, down 3.2% a year; it rose in 3 of 9 years; the deepest fall was 28% from fiscal 2018 to fiscal 2025; net income was positive in 9 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, The Western Union Company's diluted share count shrank about 5.5% a year, and dividends and buybacks returned about 99% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 4 sales and 1 purchase of their own stock on the open market in the year to 2026-10-06, buying about $90 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, The Western Union Company earned about 52 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 18 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count shrank 4.0% over the year (the filed statements).

From the record

The Western Union Company's standing among 101 graded names in its industry family: revenue of $4.1 billion in fiscal 2025 ranks in the top 24% by size; a net margin of 12.3% ranks in the top 21%; revenue growth of -3.3% a year over the last 3 filed years ranks in the bottom 23% (its annual reports).

From the record

The Western Union Company's leadership, from its insiders' filings and its current reports: the chief executive on the record is Mcgranahan, Devin (CEO & President, as filed), filing under that title since 2021-12-28, 4.9 years (top 48% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 4.7 years (bottom 38%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (bottom 48%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

The Western Union Company's room to grow, from the newest filed statements (fiscal 2025): cash of $1.2 billion against debt of $2.9 billion leaves -19.9% of its assets as net cash, bottom 22% of its family; cash from operations less capital spending is 12.5% of revenue (top 46%); a gross margin of 37% (bottom 38%) (its annual report).

From the record

The Western Union Company's growth drivers, from the filed years to fiscal 2025: revenue grew -3.3% a year over the last three filed years against -3.2% over all 10, slowing (top 38% of its family); the newest year grew -3.8% (bottom 19%); capital spending grew 6.5% a year (top 49%) (its annual reports). The Western Union Company reported 2 product lines in fiscal 2025: Consumer Money Transfers at $3.5 billion (87%), Consumer Services at $543 million (13%); 1 of 2 grew against the year before (its annual report).

From the record

The Western Union Company's newest year against its own record: revenue of $4.1 billion in fiscal 2025 came in 0.8% below the $4.1 billion its prior three years' pace pointed to (top 50% of its family); net income of $500 million against a prior three-year average of $824 million (bottom 17%); a net margin of 12.3% against 19% before (bottom 13%) (its annual reports).