Based on the aggregated intelligence of 180,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, money transfer agent Western Union (NYSE: WU) has earned a respected four-star ranking.

With that in mind, let's take a closer look at Western Union's business and see what CAPS investors are saying about the stock right now.

Western Union facts

Headquarters (Founded) Englewood, Colo. (1851)
Market Cap $11.0 billion
Industry Data processing and outsourced services
Trailing-12-Month Revenue $5.5 billion
Management CEO Hikmet Ersek (since 2010)
CFO Scott Scheirman (since 2006)
Return on Capital (Average, Past 3 Years) 23.1%
Cash/Debt $1.4 billion / $3.6 billion
Dividend Yield 2.2%
Competitors American Express
Moneygram International
PayPal

Sources: S&P Capital IQ and Motley Fool CAPS.

On CAPS, 97% of the 1,501 members who have rated Western Union believe the stock will outperform the S&P 500 going forward.

Just last week, one of those Fools, All-Star joryko, tapped Western Union as a timely buying opportunity:

Good buying spot as it issued lower guidance for 2012 and dropped almost 10% instantly.

Consistently profitable with a history of beating estimates. Simple valuations are strong with a Forward P/E of 9-10 and 5 year PEG of only .9. Also boosted its dividend and continued its strong share repurchase policy with $800 million bought back in 2011.

Western Union's operating margins also increased 100 basis points from 2010 and they continue to hold over $2 in cash per share.

Buying for the 2 to 4 year outlook.

If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future. Of course, despite a strong four-star rating, Western Union may not be your top choice.

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