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Held by 486 of 5,944 reporting institutions (97th percentile) — extremely crowded.
Data as of Q1 2026
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Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $6.53 today, the market must believe free cash flow compounds -7.4%/yr for a decade (off $545M normalized FCF).
The market's -7.4% is in line with its 9-yr track record.
2-stage DCF · 0.32B shares · net debt $1.7B
mean -0.8% · volatility σ 35% · implied rate exceeded in 6/9 yrs
Central path = implied -7.4%/yr growth; shaded band = ±1σ (35%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.05B 100.0% | $4.21B 100.0% | $4.36B 100.0% | $4.48B 100.0% | $5.07B 100.0% | $4.83B 100.0% | $5.29B 100.0% | $5.59B 100.0% | $5.52B 100.0% | $5.42B 100.0% |
| Cost of Revenue | $2.55B 63.0% | $2.62B 62.2% | $2.67B 61.3% | $2.63B 58.7% | $2.90B 57.1% | $2.83B 58.5% | $3.09B 58.3% | $3.30B 59.0% | $3.35B 60.7% | $3.27B 60.2% |
| Cost of Services | — | — | — | — | — | — | — | — | $3.36B 60.7% | $3.27B 60.3% |
| Selling, General & Admin | $742.8M 18.3% | $863.4M 20.5% | $867.8M 19.9% | $964.2M 21.5% | $1.05B 20.7% | $1.04B 21.5% | $1.27B 24.0% | $1.17B 20.9% | $1.23B 22.3% | $1.67B 30.8% |
| Total Operating Expenses | $3.29B 81.3% | $3.48B 82.8% | $3.54B 81.2% | $3.59B 80.2% | $3.95B 77.9% | $3.87B 80.0% | $4.36B 82.4% | $4.47B 79.9% | $5.05B 91.4% | $4.94B 91.0% |
| Operating Income | $757.3M 18.7% | $725.8M 17.2% | $817.5M 18.8% | $884.9M 19.8% | $1.12B 22.1% | $967.3M 20.0% | $934.0M 17.6% | $1.12B 20.1% | $475.8M 8.6% | $487.0M 9.0% |
| Interest Expense | $143.0M 3.5% | $119.8M 2.8% | $105.3M 2.4% | $101.0M 2.3% | $105.5M 2.1% | $118.5M 2.5% | $152.0M 2.9% | $149.6M 2.7% | $142.1M 2.6% | $152.5M 2.8% |
| Other Income (Expense), net | -$131.6M -3.2% | -$107.2M -2.5% | -$71.7M -1.6% | $123.7M 2.8% | -$187.7M -3.7% | -$112.2M -2.3% | $387.4M 7.3% | -$130.7M -2.3% | -$128.3M -2.3% | -$145.3M -2.7% |
| Pretax Income | $625.7M 15.4% | $618.6M 14.7% | $745.8M 17.1% | $1.01B 22.5% | $935.4M 18.4% | $855.1M 17.7% | $1.32B 25.0% | $991.4M 17.7% | $347.5M 6.3% | $341.7M 6.3% |
| Income Tax Expense | $126.1M 3.1% | -$315.6M -7.5% | $119.8M 2.7% | $98.0M 2.2% | $129.6M 2.6% | $110.8M 2.3% | $263.1M 5.0% | $139.5M 2.5% | $904.6M 16.4% | $88.5M 1.6% |
| Net Income | $499.6M 12.3% | $934.2M 22.2% | $626.0M 14.4% | $910.6M 20.3% | $805.8M 15.9% | $744.3M 15.4% | $1.06B 20.0% | $851.9M 15.2% | -$557.1M -10.1% | $253.2M 4.7% |
| Per Share | ||||||||||
| EPS (Basic) | $1.53 | $2.75 | $1.69 | $2.35 | $1.98 | $1.81 | $2.47 | $1.89 | $-1.19 | $0.52 |
| EPS (Diluted) | $1.52 | $2.74 | $1.68 | $2.34 | $1.97 | $1.79 | $2.46 | $1.87 | $-1.19 | $0.51 |
| Weighted Avg Shares (Basic) | 326.6M | 340.0M | 370.8M | 387.2M | 406.8M | 412.3M | 427.6M | 451.8M | 467.9M | 490.2M |
| Weighted Avg Shares (Diluted) | 327.6M | 341.1M | 371.8M | 388.4M | 408.9M | 415.2M | 430.9M | 454.4M | 467.9M | 493.5M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
5/8 of the 9 checks — 1 couldn't be scored (see above), so the score is out of the 8 with data.
Insufficient balance-sheet detail (needs retained earnings, working capital, equity).
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Earnings are backed by cash (FCF ≥ net income) — high quality. Lower/negative accruals = higher quality (Sloan).
Comfortably covers interest; leverage falling year-over-year.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 61% of free cash flow, leaving room to grow it and fund buybacks. Last year: $309M dividends + $235M buybacks = $544M returned on $505M FCF.
1 consecutive years of dividend increases · 5%/yr.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 13%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $1.2B covers the $1.0B due within a year 1.2× over. Scheduled principal only (excludes interest & revolver draws). As of 2015-12-31 (10-K).
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Coverage is adequate but not comfortable. Effective rate ~5.0% on $2.9B of debt.
Cash vs short-term debt unavailable.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-09-17
Where each multiple sits in its own 14-yr range · 16th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Profit and sales moved in opposite directions this year.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 59.0 | 58.3 | 58.5 | 57.1 | 58.7 | 61.3 | 62.2 | 63.0 |
| SG&A | 20.9 | 24.0 | 21.5 | 20.7 | 21.5 | 19.9 | 20.5 | 18.3 |
| Operating Income | 20.1 | 17.6 | 20.0 | 22.1 | 19.8 | 18.8 | 17.2 | 18.7 |
| Income Tax | 2.5 | 5.0 | 2.3 | 2.6 | 2.2 | 2.7 | -7.5 | 3.1 |
| Net Income | 15.2 | 20.0 | 15.4 | 15.9 | 20.3 | 14.4 | 22.2 | 12.3 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on WU: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $941.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $694.5B | — | — | 17.4× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $512.0B | 34.3× | — | 15.6× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $419.6B | 15.3× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $282.1B | 18.5× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $268.7B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $213.5B | 20.2× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $188.8B | 22.5× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $173.4B | 21.8× | — | 6.8× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $169.2B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $163.4B | 29.9× | — | 6.8× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| GLD | $134.4B | — | — | — | — | — | — | — | — | — | 3,072 |
| CB | $133.7B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| PGR | $126.8B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $120.7B | 27.6× | 17.3× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| HOOD | $97.6B | 53.6× | — | 21.8× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| CME | $97.5B | 24.3× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $96.4B | 13.0× | — | 3.4× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| BX | $93.9B | 32.4× | — | 6.5× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.9B | 14.0× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $89.8B | — | — | — | — | — | — | — | — | — | 7 |
| KKR | $87.5B | — | — | 4.5× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| ICE | $86.9B | 26.6× | 20.6× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| MRSH | $84.7B | 20.7× | 15.4× | 3.1× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| WU | $2.1B | 4.3× | 4.7× | 0.5× | -3.8% | 37.0% | 12.3% | 52.2% | 13.0% | 3.6× | 486 |
Peers = companies sharing WU's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.