COMP <GO>
WU vs PG // ALTMAN Z-SCORE & DEBT/EQUITY
Western Union Company (NYSE) VS. Procter & Gamble Company (NYSE) • 15-METRIC TALLY: WU 2
— PG 9
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: PG
LAST: $6.21 (+1.97%) • MKT CAP: $1.94B
balance-sheet
0.92
LAST: $160.59 (+1.47%) • MKT CAP: $372.21B
balance-sheet
5.59
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WU VS. PG)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WU | PG | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 34.30% | 51.20% | -16.90 | PG | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 25.40% | +59.60 | WU | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 16.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 3.77% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 19.50% | 24.30% | -4.80 | PG | /operating-margins <GO> |
| Net Profit Margin | 12.90% | 19.00% | -6.10 | PG | /net-margins <GO> |
| Revenue Growth (YoY) | -3.70% | 0.30% | -4.00 | PG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.65% | -2.65 | PG | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 0.92 | 5.59 | -4.67 | PG | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 7/9 | -2.00 | PG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.2 | 60.3 | -12.10 | PG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.87 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 3.6x | 21.7x | -18.10 | WU | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.94B | $372.21B | -$370.28B | PG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WU REV | PG REV | WU GROSS % | PG GROSS % | WU FCF | PG FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.88B | $84.28B | 34.3% | 51.2% | $505.2M | $14.04B |
| FY 2024 | $4.03B | $84.04B | 34.9% | 51.4% | $368.9M | $16.52B |
| FY 2023 | $4.16B | $82.01B | — | — | $783.1M | $13.16B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WU // BETA —
PG // BETA 0.87