The Western Union Company (0LVJ.L)
ValueMarkers Composite Index
78% below intrinsic value ($41)
The Western Union Company (0LVJ.L) — VMCI valuation read
The Western Union Company (0LVJ.L) carries a VMCI composite of 67/100, 17 points above the Technology sector median of 50. Among mid-cap names, that gap places 0LVJ.L in the top third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The 0LVJ.L insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads 0LVJ.L trades at 18.0x earnings, 0% above the Technology median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Technology 12.0x. Quality: ROIC of 10.0% sits 0.0pp above the Technology median (10.0%). Risk: net debt to EBITDA of -2.2x leaves covenant headroom, the line to track on The Western Union Company's next 10-Q.
0LVJ.L held flat 0.0% over the trailing 7 days, with a -20.5% read on a 30-day basis.
The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents and sub-agents; and offers international cross-border transfers and intra-country transfers, as well as money transfer transactions through websites and mobile devices. The Business Solutions segment provides payment and foreign exchange solutions, primarily cross-border and cross-currency transactions for small and medium size enterprises, other organizations, and individuals; and foreign currency forward and option contracts. It also offers bill payment services that facilitates payments from consumers to businesses and other organizations, as well as offers money order and other services. The company was founded in 1851 and is headquartered in Denver, Colorado.
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