Comparing Western Union (NYSE:WU) & Mercurity Fintech (NASDAQ:MFH)

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

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Mercurity Fintech	$960,967.00	646.23	-$4.53 million	N/A	N/A
Western Union	$4.10 billion	0.68	$934.20 million	$2.29	3.83

Western Union has higher revenue and earnings than Mercurity Fintech.

Profitability

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

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

Insider & Institutional Ownership

30.8% of Mercurity Fintech shares are held by institutional investors. Comparatively, 91.8% of Western Union shares are held by institutional investors. 62.8% of Mercurity Fintech shares are held by insiders. Comparatively, 1.6% of Western Union shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Volatility & Risk

Mercurity Fintech has a beta of 4.3, suggesting that its share price is 330% more volatile than the S&P 500. Comparatively, Western Union has a beta of 0.61, suggesting that its share price is 39% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Mercurity Fintech and Western Union, as reported by MarketBeat.

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

Western Union has a consensus price target of $8.70, indicating a potential downside of 0.68%. Given Western Union’s stronger consensus rating and higher probable upside, analysts plainly believe Western Union is more favorable than Mercurity Fintech.

Summary

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

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.

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.