COMP <GO>
WU vs V // REVENUE GROWTH (YOY)
Western Union Company (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: WU 2
— V 8
▲ REVENUE GROWTH (YOY) LEADER: V
LAST: $6.16 (-0.80%) • MKT CAP: $1.94B
revenue-growth
-3.70%
LAST: $413.59 (+0.74%) • MKT CAP: $733.53B
revenue-growth
11.30%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WU VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WU | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 34.30% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 32.30% | +52.70 | WU | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 2.90% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 19.50% | 60.00% | -40.50 | V | /operating-margins <GO> |
| Net Profit Margin | 12.90% | 50.10% | -37.20 | V | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | -3.70% | 11.30% | -15.00 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.92 | 9.09 | -8.17 | V | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 9/9 | -4.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.2 | 65.6 | -17.40 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 3.6x | 34.0x | -30.40 | WU | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.94B | $733.53B | -$731.60B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WU REV | V REV | WU GROSS % | V GROSS % | WU FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.88B | $40.00B | 34.3% | — | $505.2M | $21.26B |
| FY 2024 | $4.03B | $35.93B | 34.9% | — | $368.9M | $18.33B |
| FY 2023 | $4.16B | $32.65B | — | — | $783.1M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WU // BETA —
V // BETA 1.06