Profitability
Weight: 25%
B+
78
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 9.1%
- Operating Margin Trend -0.80 pp/yr
WU
The Western Union Company
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A+
100
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 78.9%
- 5yr Share-Count CAGR -5.4%
Growth Quality
Weight: 10%
D
34
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 0.0%
- 5yr EPS CAGR -6.1%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A-
84
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.94x
Balance Sheet
Weight: 30%
B+
79
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 11.5%
- Interest Coverage (EBIT/Int) 5.37x
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 0.33
- Piotroski F-Score 7
- Negative-Revenue Years (5) 4/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 4 gurus held; 1 added; 2 trimmed; 1 full exit.
- Holders
- 3 -1
- Avg Δ position
- -40.0%
- New buys
- 0
- Full exits
- 1