COMP <GO>
WU vs MA // EV/EBITDA & P/E VALUATION
Western Union Company (NYSE) VS. Mastercard Incorporated (NYSE) • 15-METRIC TALLY: WU 2
— MA 8
■ METRIC PARITY
LAST: $6.21 (+1.97%) • MKT CAP: $1.94B
valuation
—
LAST: $635.70 (+4.16%) • MKT CAP: $556.88B
valuation
29.2x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WU VS. MA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WU | MA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 34.30% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 33.50% | +51.50 | WU | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 29.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 3.08% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 19.50% | 57.60% | -38.10 | MA | /operating-margins <GO> |
| Net Profit Margin | 12.90% | 45.60% | -32.70 | MA | /net-margins <GO> |
| Revenue Growth (YoY) | -3.70% | 16.40% | -20.10 | MA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.49% | -0.49 | MA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.92 | 11.17 | -10.25 | MA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 8/9 | -3.00 | MA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.3 | 68.8 | -22.55 | MA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 3.6x | 31.2x | -27.60 | WU | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.94B | $556.88B | -$554.94B | MA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WU REV | MA REV | WU GROSS % | MA GROSS % | WU FCF | MA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.88B | $32.79B | 34.3% | — | $505.2M | $17.16B |
| FY 2024 | $4.03B | $28.17B | 34.9% | — | $368.9M | $14.31B |
| FY 2023 | $4.16B | $25.10B | — | — | $783.1M | $10.85B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WU // BETA —
MA // BETA 0.90