Western Union Company (WU) exhibits 34.3% gross margins and 85.0% return on invested capital within Consumer Discretionary (Business Services), balanced against a 3.9x enterprise multiple and 4.8% implied options volatility.
Sustained 34.3% gross profitability converts into 19.5% operating margin and 85.0% ROIC, outpacing sector cost of capital.
ROIC: 85.0% // GM: 34.3%YoY revenue trajectory of -3.7% paired with 2.80% free cash flow yield supports self-funded R&D and capital return.
REV YOY: -3.7% // FCF YLD: 2.80%Altman Z-Score of 0.92 and Piotroski F-Score of 5/9 indicate low near-term refinancing stress.
ALTMAN Z: 0.92 // F-SCORE: 5/9Trading at 3.9x trailing P/E (3.6x Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.
P/E: 3.9x // EV/EBITDA: —Options market prices a ±5.2% implied move with a 0.85 put/call ratio around $6.21 max pain.
IMPL MOVE: ±5.2% // P/C: 0.85Elevated industry capital intensity and customer concentration in Business Services require continuous execution to defend 12.9% net margins.
NET MARGIN: 12.9% // D/E: 0.45x| FILER | SIDE | $ VALUE |
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| INSPECT FULL OWNERSHIP LEDGER IN OWN <GO> | ||
| STRIKE / EXP | TYPE | PREMIUM |
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| INSPECT GEX & CHAIN IN OPT <GO> | ||
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