Western Union (NYSE:WU) vs. Mercurity Fintech (NASDAQ:MFH) Financial Comparison

Western Union (NYSE:WU) and Mercurity Fintech (NASDAQ:MFH) are both business services companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, earnings, profitability, analyst recommendations, institutional ownership, valuation and dividends.

Institutional and Insider Ownership

91.8% of Western Union shares are owned by institutional investors. Comparatively, 30.8% of Mercurity Fintech shares are owned by institutional investors. 1.6% of Western Union shares are owned by company insiders. Comparatively, 62.8% of Mercurity Fintech shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings and price targets for Western Union and Mercurity Fintech, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Western Union	4	10	0	0	1.71
Mercurity Fintech	1	0	0	0	1.00

Western Union presently has a consensus target price of $8.70, suggesting a potential upside of 0.03%. Given Western Union’s stronger consensus rating and higher possible upside, analysts clearly believe Western Union is more favorable than Mercurity Fintech.

Valuation and Earnings

This table compares Western Union and Mercurity Fintech”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Western Union	$4.10 billion	0.67	$934.20 million	$2.29	3.80
Mercurity Fintech	$960,967.00	618.91	-$4.53 million	N/A	N/A

Western Union has higher revenue and earnings than Mercurity Fintech.

Profitability

This table compares Western Union and Mercurity Fintech’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Western Union	18.80%	60.85%	6.97%
Mercurity Fintech	N/A	N/A	N/A

Risk and Volatility

Western Union has a beta of 0.52, meaning that its stock price is 48% less volatile than the S&P 500. Comparatively, Mercurity Fintech has a beta of 4.3, meaning that its stock price is 330% more volatile than the S&P 500.

Summary

Western Union beats Mercurity Fintech on 8 of the 11 factors compared between the two stocks.

About Western Union

The Western Union Company provides money movement and payment services worldwide. The company operates through Consumer Money Transfer and Consumer Services segments. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agent locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, which facilitate payments for consumers, businesses, and other organizations, as well as money order services, retail foreign exchange services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.

About Mercurity Fintech

Mercurity Fintech Holding Inc. operates as a fintech company powered by blockchain. The company provides digital asset trading infrastructure solutions based on internet and blockchain technologies for cryptocurrency traders; and asset digitalization platform, which offers blockchain-based digitalization solutions for traditional assets, such as fiat currencies, bonds, and precious metals. It also offers cryptocurrency mining services that provides computing power to the mining pool; and digital consultation services, such as digital payment solutions, asset management, and online and traditional brokerage services. The company was formerly known as JMU Limited and changed its name to Mercurity Fintech Holding Inc. in April 2020. Mercurity Fintech Holding Inc. was incorporated in 2011 and is headquartered in New York, New York.