Western Union Co
The Western Union Company provides money movement and payment services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents and owned locations, as well as thro… Read more
Western Union Co (WU) - Net Assets
Latest net assets as of September 2025: $925.40 Million USD
Based on the latest financial reports, Western Union Co (WU) has net assets worth $925.40 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($7.78 Billion) and total liabilities ($6.86 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $925.40 Million |
| % of Total Assets | 11.89% |
| Annual Growth Rate | -1.88% |
| 5-Year Change | 419.24% |
| 10-Year Change | -31.03% |
| Growth Volatility | 71.38 |
Western Union Co - Net Assets Trend (2002–2024)
This chart illustrates how Western Union Co's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Western Union Co (2002–2024)
The table below shows the annual net assets of Western Union Co from 2002 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $968.90 Million | +102.28% |
| 2023-12-31 | $479.00 Million | +0.25% |
| 2022-12-31 | $477.80 Million | +34.36% |
| 2021-12-31 | $355.60 Million | +90.57% |
| 2020-12-31 | $186.60 Million | +572.41% |
| 2019-12-31 | $-39.50 Million | +87.25% |
| 2018-12-31 | $-309.80 Million | +36.96% |
| 2017-12-31 | $-491.40 Million | -154.47% |
| 2016-12-31 | $902.20 Million | -35.78% |
| 2015-12-31 | $1.40 Billion | +8.04% |
| 2014-12-31 | $1.30 Billion | +17.72% |
| 2013-12-31 | $1.10 Billion | +17.45% |
| 2012-12-31 | $940.60 Million | +5.12% |
| 2011-12-31 | $894.80 Million | +53.56% |
| 2010-12-31 | $582.70 Million | +64.84% |
| 2009-12-31 | $353.50 Million | +4464.20% |
| 2008-12-31 | $-8.10 Million | -115.98% |
| 2007-12-31 | $50.70 Million | +116.11% |
| 2006-12-31 | $-314.80 Million | -111.20% |
| 2005-12-31 | $2.81 Billion | +47.31% |
| 2004-12-31 | $1.91 Billion | +29.79% |
| 2002-12-31 | $1.47 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Western Union Co's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3520000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $35.20 Million | 3.63% |
| Common Stock | $3.40 Million | 0.35% |
| Other Comprehensive Income | $-140.50 Million | -14.50% |
| Other Components | $1.07 Billion | 110.52% |
| Total Equity | $968.90 Million | 100.00% |
Western Union Co Competitors by Market Cap
The table below lists competitors of Western Union Co ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Eutelsat Group
LSE:ETL
|
$2.93 Billion |
|
Pennon Group Plc
PINK:PEGRF
|
$2.93 Billion |
|
Ipsen S.A
PINK:IPSEF
|
$2.93 Billion |
|
Rayonier Inc
NYSE:RYN
|
$2.93 Billion |
|
Hangzhou Great Star Industrial Co Ltd
SHE:002444
|
$2.93 Billion |
|
Viridian Therapeutics Inc
NASDAQ:VRDN
|
$2.92 Billion |
|
Olympic Circuit Technology Co Ltd
SHG:603920
|
$2.92 Billion |
|
First Hawaiian Inc
NASDAQ:FHB
|
$2.92 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Western Union Co's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 479,000,000 to 968,900,000, a change of 489,900,000 (102.3%).
- Net income of 934,200,000 contributed positively to equity growth.
- Dividend payments of 321,500,000 reduced retained earnings.
- Share repurchases of 186,200,000 reduced equity.
- Other comprehensive income increased equity by 26,800,000.
- Other factors increased equity by 36,600,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $934.20 Million | +96.42% |
| Dividends Paid | $321.50 Million | -33.18% |
| Share Repurchases | $186.20 Million | -19.22% |
| Other Comprehensive Income | $26.80 Million | +2.77% |
| Other Changes | $36.60 Million | +3.78% |
| Total Change | $- | 102.28% |
Book Value vs Market Value Analysis
This analysis compares Western Union Co's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.26x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 5.26x to 3.26x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2001-12-31 | $1.76 | $9.25 | x |
| 2002-12-31 | $1.93 | $9.25 | x |
| 2004-12-31 | $2.50 | $9.25 | x |
| 2005-12-31 | $3.68 | $9.25 | x |
| 2006-12-31 | $-0.41 | $9.25 | x |
| 2007-12-31 | $0.07 | $9.25 | x |
| 2008-12-31 | $-0.01 | $9.25 | x |
| 2009-12-31 | $0.50 | $9.25 | x |
| 2010-12-31 | $0.87 | $9.25 | x |
| 2011-12-31 | $1.41 | $9.25 | x |
| 2012-12-31 | $1.55 | $9.25 | x |
| 2013-12-31 | $1.97 | $9.25 | x |
| 2014-12-31 | $2.42 | $9.25 | x |
| 2015-12-31 | $2.72 | $9.25 | x |
| 2016-12-31 | $1.83 | $9.25 | x |
| 2017-12-31 | $-1.05 | $9.25 | x |
| 2018-12-31 | $-0.68 | $9.25 | x |
| 2019-12-31 | $-0.09 | $9.25 | x |
| 2020-12-31 | $0.45 | $9.25 | x |
| 2021-12-31 | $0.87 | $9.25 | x |
| 2022-12-31 | $1.23 | $9.25 | x |
| 2023-12-31 | $1.29 | $9.25 | x |
| 2024-12-31 | $2.84 | $9.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Western Union Co utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 96.42%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 22.19%
- • Asset Turnover: 0.50x
- • Equity Multiplier: 8.64x
- Recent ROE (96.42%) is below the historical average (162.24%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2001 | 30.36% | 17.62% | 1.06x | 1.63x | $273.56 Million |
| 2002 | 33.60% | 18.01% | 1.11x | 1.68x | $347.03 Million |
| 2004 | 39.38% | 21.19% | 1.07x | 1.73x | $560.72 Million |
| 2005 | 32.98% | 23.26% | 0.87x | 1.64x | $646.22 Million |
| 2006 | 0.00% | 20.45% | 0.84x | 0.00x | $945.48 Million |
| 2007 | 1690.93% | 17.50% | 0.85x | 114.09x | $852.23 Million |
| 2008 | 0.00% | 17.40% | 0.95x | 0.00x | $919.81 Million |
| 2009 | 240.11% | 16.70% | 0.69x | 20.80x | $813.45 Million |
| 2010 | 156.15% | 17.52% | 0.65x | 13.61x | $851.63 Million |
| 2011 | 130.24% | 21.22% | 0.61x | 10.14x | $1.08 Billion |
| 2012 | 109.07% | 18.11% | 0.60x | 10.06x | $931.84 Million |
| 2013 | 72.27% | 14.41% | 0.55x | 9.16x | $687.93 Million |
| 2014 | 65.55% | 15.20% | 0.57x | 7.61x | $722.36 Million |
| 2015 | 59.63% | 15.28% | 0.58x | 6.73x | $697.31 Million |
| 2016 | 28.06% | 4.67% | 0.58x | 10.44x | $162.98 Million |
| 2017 | 0.00% | -10.08% | 0.60x | 0.00x | $-507.96 Million |
| 2018 | 0.00% | 15.24% | 0.62x | 0.00x | $882.88 Million |
| 2019 | 0.00% | 20.00% | 0.60x | 0.00x | $1.06 Billion |
| 2020 | 398.87% | 15.39% | 0.51x | 50.89x | $725.64 Million |
| 2021 | 226.60% | 15.89% | 0.57x | 24.81x | $770.24 Million |
| 2022 | 190.58% | 20.35% | 0.53x | 17.78x | $862.82 Million |
| 2023 | 130.69% | 14.37% | 0.53x | 17.12x | $578.10 Million |
| 2024 | 96.42% | 22.19% | 0.50x | 8.64x | $837.31 Million |
Industry Comparison
This section compares Western Union Co's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $42,167,772,618
- Average return on equity (ROE) among peers: 3.49%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Western Union Co (WU) | $925.40 Million | 30.36% | 7.41x | $2.93 Billion |
| Accord Financial Corp (ACCFF) | $103.96 Million | 11.43% | 4.00x | $8.00 Million |
| Acom Co. Ltd (ACJJF) | $306.73 Billion | 3.47% | 2.77x | $799.50 Million |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $13.28 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $47.20 Million | 1.69% | 11.77x | $1.51 Billion |
| Aiful Corp (AIFLF) | $97.47 Billion | -37.44% | 4.75x | $852.52 Million |
| Jianpu Technology Inc (AIJTY) | $520.74 Million | 20.38% | 0.93x | $16.37 Million |
| AIOS Tech Inc. (AIOS) | $40.53 Million | 17.61% | 0.35x | $2.83 Million |
| Ally Financial Inc (ALLY) | $13.49 Billion | 6.88% | 11.39x | $10.34 Billion |
| Alpha Investment Inc (ALPC) | $-38.66K | 0.00% | 0.00x | $166.69 Million |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $14.83 Million |