Wise vs Western Union
WSE and WU side by side, both in miscellaneous business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How WSE and WU compare
Wise grew revenue faster over the last twelve months (22.5% versus −2.1% for Western Union).
Wise keeps more of each dollar of sales as profit, with a net margin of 26.3% compared with 8.3% at Western Union.
Western Union pays a dividend yielding 13.9%; Wise does not pay one.
Western Union scores higher on the StockData Score (11 against 7 for Wise), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | WSE | WU |
|---|---|---|
| Size and price | ||
| Market cap | – | $2.1B |
| Share price | $11.23 | $6.74 |
| Change, 1 year | −10.4% | −24.4% |
| Change, 5 years | 10.1% | −59.5% |
| Beta (5Y) | 1.00 | 0.62 |
| Employees | 8,000 | 9,600 |
| StockData Score | ||
| Total score | 7 | 11 (better) |
| Valuation score | 0 | 5 (better) |
| Growth score | 1 (better) | 0 |
| Performance score | 2 (better) | 1 |
| Health score | 4 (better) | 0 |
| Dividend score | 0 | 5 (better) |
| Valuation | ||
| P/E | – | 6.4× |
| P/S | – | 0.5× |
| EV/EBITDA | – | 1.8× |
| P/FCF | – | 5.1× |
| FCF yield | – | 19.6% |
| Fair value | – | $19.10 |
| Margin of safety | – | 64.7% |
| Growth | ||
| Revenue growth (TTM) | 22.5% (better) | −2.1% |
| Revenue growth, 5Y average | – | −3.5% |
| Net income growth (TTM) | −9.4% (better) | −56.7% |
| EPS growth (TTM) | −8.0% (better) | −54.3% |
| EPS growth, 5Y average | – | −3.2% |
| Profitability | ||
| Gross margin | – | 34.1% |
| Operating margin | 31.2% (better) | 14.2% |
| Net margin | 26.3% (better) | 8.3% |
| FCF margin | 398% (better) | 10.3% |
| Return on equity | 27.2% | – |
| Financial health | ||
| Debt / equity | 0.17 | – |
| Net debt / EBITDA | −52.97 | – |
| Interest coverage | 30.3× (better) | 3.8× |
| Current ratio | 1.07 | – |
| Altman Z-score | – | 0.89 |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 13.9% |
| Payout ratio | – | 90.1% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.87% |
| Buyback yield | – | 4.4% |
| Shareholder yield | – | 18.3% |
| Ownership | ||
| Held by institutions | 21.7% | 96.0% |
| Held by insiders | 28.8% | 1.6% |
| Insider net buying, 12 months | −$2.5M | −$241K (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 0.50% | 19.6% |
Go deeper
- WSE stock overview
- WSE income statement
- WSE valuation and score
- WU stock overview
- WU income statement
- WU valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.