The Western Union Company Peer Comparison
Metric | Value | Ranking | |||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap | $3.5 Billion | 10/15 | V $686.6B |
MA $514.2B |
AXP $215.3B |
COF $74.9B |
DFS $47.4B |
SYF $24.9B |
IX $21.8B |
ALLY $11.3B |
FCFS $5.2B |
WU $3.5B |
BFH $3.0B |
ENVA $2.9B |
NAVI $1.4B |
MGI $1.1B |
GDOT $494.8M |
Gross Margin | 37% | 13/15 | V 100% |
MA 100% |
ALLY 100% |
COF 100% |
DFS 100% |
IX 100% |
BFH 100% |
GDOT 85% |
SYF 81% |
NAVI 81% |
AXP 57% |
FCFS 49% |
WU 37% |
MGI 29% |
ENVA 5% |
Profit Margin | 26% | 3/15 | V 55% |
MA 45% |
WU 26% |
IX 19% |
DFS 16% |
AXP 15% |
SYF 15% |
COF 13% |
ALLY 9% |
FCFS 9% |
ENVA 6% |
MGI 1% |
NAVI 0% |
BFH 0% |
GDOT -2% |
EBITDA margin | 20% | 7/15 | V 67% |
NAVI 61% |
MA 53% |
SYF 25% |
BFH 24% |
DFS 22% |
WU 20% |
AXP 19% |
FCFS 18% |
COF 16% |
ALLY 10% |
MGI 9% |
IX 0% |
ENVA -2% |
GDOT -12% |
Quarterly Revenue | $1.0 Billion | 10/15 | AXP $16.6B |
COF $13.8B |
V $9.6B |
MA $7.5B |
DFS $5.9B |
SYF $5.0B |
ALLY $4.2B |
IX $3.5B |
BFH $1.3B |
WU $1.0B |
NAVI $948.0M |
FCFS $883.8M |
ENVA $689.9M |
GDOT $409.7M |
MGI $337.5M |
Quarterly Earnings | $264.8 Million | 9/15 | V $5.3B |
MA $3.3B |
AXP $2.5B |
COF $1.7B |
DFS $965.0M |
SYF $768.0M |
IX $673.3M |
ALLY $357.0M |
WU $264.8M |
FCFS $83.5M |
ENVA $43.4M |
MGI $5.0M |
BFH $2.0M |
NAVI -$2.0M |
GDOT -$7.8M |
Quarterly Free Cash Flow | $184.8 Million | 6/15 | COF $6.1B |
MA $4.7B |
SYF $2.8B |
BFH $482.0M |
ENVA $420.9M |
WU $184.8M |
ALLY $58.0M |
GDOT $15.2M |
NAVI -$10.0M |
AXP -$2.3B |
V -$0 |
DFS -$0 |
FCFS -$0 |
MGI -$26.9M |
IX -$0 |
Trailing 4 Quarters Revenue | $4.2 Billion | 11/15 | AXP $68.6B |
COF $53.2B |
V $35.9B |
MA $28.2B |
DFS $23.2B |
SYF $19.5B |
IX $16.9B |
ALLY $12.3B |
BFH $4.7B |
NAVI $4.5B |
WU $4.2B |
FCFS $3.4B |
ENVA $2.5B |
GDOT $1.6B |
MGI $1.3B |
Trailing 4 Quarters Earnings | $675.5 Million | 9/15 | AXP $16.6B |
COF $13.8B |
V $9.6B |
MA $7.5B |
DFS $5.9B |
SYF $5.0B |
ALLY $4.2B |
IX $3.5B |
BFH $1.3B |
WU $1.0B |
NAVI $948.0M |
FCFS $883.8M |
ENVA $689.9M |
GDOT $409.7M |
MGI $337.5M |
Quarterly Earnings Growth | 55% | 1/15 | WU 55% |
IX 48% |
DFS 41% |
SYF 22% |
ALLY 21% |
MA 20% |
FCFS 20% |
V 14% |
ENVA 5% |
AXP 2% |
COF -2% |
MGI -2% |
GDOT -25% |
BFH -99% |
NAVI -103% |
Annual Earnings Growth | -3% | 9/15 | MGI 93% |
IX 58% |
SYF 35% |
V 15% |
AXP 10% |
FCFS 7% |
MA 4% |
BFH -1% |
WU -3% |
ENVA -3% |
DFS -6% |
COF -29% |
NAVI -33% |
ALLY -37% |
GDOT -1123% |
Quarterly Revenue Growth | -6% | 14/15 | NAVI 125% |
ALLY 92% |
COF 47% |
DFS 46% |
ENVA 25% |
BFH 24% |
GDOT 16% |
IX 16% |
MA 14% |
V 12% |
MGI 10% |
AXP 8% |
FCFS 4% |
WU -6% |
SYF -7% |
Annual Revenue Growth | -9% | 15/15 | NAVI 234% |
DFS 48% |
COF 46% |
ALLY 37% |
IX 37% |
SYF 28% |
ENVA 23% |
BFH 21% |
AXP 13% |
GDOT 13% |
V 9% |
MA 8% |
FCFS 6% |
MGI 5% |
WU -9% |
Cash On Hand | $1.4 Billion | 11/15 | AXP $92.5B |
SYF $17.9B |
V $12.0B |
MA $8.4B |
IX $8.2B |
COF $4.0B |
BFH $3.5B |
NAVI $2.8B |
MGI $1.5B |
GDOT $1.5B |
WU $1.4B |
FCFS $175.1M |
ENVA $67.5M |
ALLY -$0 |
DFS -$0 |
Short Term Debt | $945.0 Million | 5/15 | NAVI $5.3B |
IX $5.2B |
ALLY $1.8B |
AXP $1.5B |
WU $945.0M |
MA $750.0M |
COF $520.0M |
MGI $44.0M |
GDOT $2.1M |
V -$0 |
SYF -$0 |
DFS -$0 |
FCFS -$0 |
ENVA -$0 |
BFH -$0 |
Long Term Debt | $1.6 Billion | 12/15 | AXP $53.5B |
COF $48.8B |
NAVI $44.7B |
IX $38.5B |
V $20.8B |
DFS $18.2B |
MA $17.5B |
ALLY $16.8B |
SYF $15.6B |
ENVA $3.3B |
FCFS $1.8B |
WU $1.6B |
BFH $1.0B |
MGI $829.0M |
GDOT $45.7M |
PE | 5.12 | 14/15 | MA 39.94 |
V 34.78 |
MGI 31.50 |
AXP 21.88 |
FCFS 20.15 |
COF 17.37 |
ENVA 16.13 |
DFS 14.84 |
ALLY 14.04 |
BFH 9.77 |
SYF 7.91 |
NAVI 7.79 |
IX 7.77 |
WU 5.12 |
GDOT -1.00 |
PS | 0.82 | 11/15 | IX 184.59 |
V 19.11 |
MA 18.26 |
AXP 3.14 |
DFS 2.05 |
FCFS 1.54 |
COF 1.41 |
SYF 1.28 |
ENVA 1.16 |
ALLY 0.92 |
WU 0.82 |
MGI 0.80 |
BFH 0.65 |
NAVI 0.32 |
GDOT 0.30 |
PB | 5.30 | 4/15 | MA 78.93 |
V 17.54 |
AXP 7.25 |
WU 5.30 |
DFS 2.74 |
FCFS 2.54 |
ENVA 1.99 |
SYF 1.56 |
COF 1.19 |
IX 0.78 |
ALLY 0.77 |
NAVI 0.54 |
GDOT 0.53 |
BFH 0.15 |
MGI 0.00 |
PC | 2.43 | 7/15 | MA 60.91 |
V 57.34 |
ENVA 43.14 |
FCFS 29.78 |
COF 18.84 |
IX 2.66 |
WU 2.43 |
AXP 2.33 |
SYF 1.39 |
BFH 0.88 |
MGI 0.71 |
NAVI 0.52 |
GDOT 0.34 |
ALLY -1.00 |
DFS -1.00 |
Liabilities to Equity | 10.76 | 3/15 | NAVI 18.84 |
ALLY 12.11 |
WU 10.76 |
AXP 8.12 |
DFS 7.78 |
COF 6.73 |
SYF 6.46 |
MA 6.41 |
GDOT 4.67 |
IX 3.17 |
ENVA 2.98 |
V 1.41 |
FCFS 1.18 |
BFH 0.33 |
MGI 0.00 |
ROA | 0.09 | 3/15 | MA 27% | V 21% | WU 9% | FCFS 6% | AXP 4% | ENVA 4% | SYF 3% | DFS 2% | COF 1% | MGI 1% | BFH 1% | NAVI 0% | ALLY 0% | IX 0% | GDOT -1% |
ROE | 1.03 | 2/15 | MA 199% |
WU 103% |
V 50% |
AXP 33% |
SYF 20% |
DFS 18% |
ENVA 15% |
FCFS 13% |
BFH 10% |
NAVI 7% |
COF 7% |
ALLY 5% |
IX 0% |
GDOT -6% |
MGI -24% |
Current Ratio | 1.09 | 12/15 | BFH 20.88 |
FCFS 1.85 |
V 1.71 |
ENVA 1.42 |
IX 1.32 |
GDOT 1.21 |
MA 1.16 |
SYF 1.15 |
COF 1.15 |
DFS 1.13 |
AXP 1.12 |
WU 1.09 |
ALLY 1.08 |
NAVI 1.05 |
MGI 0.97 |
Quick Ratio | 0.42 | 3/15 | MA 39.94 |
V 34.78 |
MGI 31.50 |
AXP 21.88 |
FCFS 20.15 |
COF 17.37 |
ENVA 16.13 |
DFS 14.84 |
ALLY 14.04 |
BFH 9.77 |
SYF 7.91 |
NAVI 7.79 |
IX 7.77 |
WU 5.12 |
GDOT -1.00 |
Long Term Debt to Equity | 2.52 | 4/15 | NAVI} 16.59 |
ENVA} 2.79 |
MA} 2.69 |
WU} 2.52 |
AXP} 1.80 |
IX} 1.41 |
ALLY} 1.14 |
DFS} 1.05 |
SYF} 0.98 |
FCFS} 0.86 |
COF} 0.78 |
V} 0.53 |
BFH} 0.33 |
GDOT} 0.05 |
MGI} -5.78 |
Debt to Equity | 3.96 | 2/15 | NAVI 18.56 |
WU 3.96 |
MA 2.81 |
ENVA 2.79 |
AXP 1.85 |
IX 1.60 |
ALLY 1.26 |
DFS 1.05 |
SYF 0.98 |
FCFS 0.86 |
COF 0.78 |
V 0.53 |
BFH 0.33 |
GDOT 0.05 |
MGI -5.78 |
Burn Rate | 38.39 | 4/15 | GDOT 142.52 |
BFH 87.06 |
MGI 38.47 |
WU 38.39 |
COF 11.92 |
IX 2.88 |
NAVI 0.90 |
ENVA 0.76 |
ALLY 0.00 |
DFS 0.00 |
V -2.67 |
MA -3.44 |
FCFS -13.19 |
SYF -125.66 |
AXP -101660.44 |
Cash to Cap | 0.41 | 7/15 | GDOT 2.94 |
NAVI 1.93 |
MGI 1.40 |
BFH 1.13 |
SYF 0.72 |
AXP 0.43 |
WU 0.41 |
IX 0.38 |
COF 0.05 |
FCFS 0.03 |
V 0.02 |
MA 0.02 |
ENVA 0.02 |
ALLY 0.00 |
DFS 0.00 |
CCR | 0.70 | 7/15 | BFH 241.00 |
ENVA 9.69 |
NAVI 5.00 |
SYF 3.60 |
COF 3.50 |
MA 1.42 |
WU 0.70 |
ALLY 0.16 |
DFS 0.00 |
FCFS 0.00 |
AXP -0.91 |
GDOT -1.94 |
MGI -5.38 |
V |
IX |
EV to EBITDA | 21.91 | 9/15 | MA} 133.06 |
V} 107.49 |
NAVI} 83.89 |
ALLY} 68.95 |
AXP} 55.48 |
COF} 53.75 |
DFS} 50.89 |
FCFS} 41.66 |
WU} 21.91 |
SYF} 18.27 |
GDOT} 18.24 |
MGI} 12.72 |
BFH} 2.12 |
IX} -1.00 |
ENVA} -539.60 |
EV to Revenue | 1.10 | 11/15 | V 19.36 |
MA 18.60 |
NAVI 10.84 |
DFS 2.83 |
AXP 2.59 |
ENVA 2.44 |
ALLY 2.42 |
COF 2.26 |
FCFS 2.01 |
SYF 1.16 |
WU 1.10 |
MGI 0.30 |
BFH 0.14 |
GDOT -0.56 |
IX -1.00 |