The Western Union Company
WU · Price history
Price at last available close
$6.09
−$0.03 (-0.49%) 1M
2026-10-28
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About The Western Union Company
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Western Union operates as a global financial services provider, specializing in fund transfers and diverse payment solutions. The company's operations are divided into two main segments: Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer division enables individuals to send money to other individuals, primarily leveraging an extensive network of independent agents and sub-agents.
How they make money
The Western Union Company generates revenue primarily through fees charged for cross-border money transfer services and consumer services. The company operates a global network of agent locations and digital platforms, earning transaction fees from consumers and businesses while managing currency exchange spreads and payment processing services.
Products & services
Cross-border money transfer services, digital financial services, and payment processing for consumers, businesses, financial institutions, and governments.
Brands & revenue mix
The primary global brand representing the company's money movement and payment services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Third-party digital partners — Entities that host digital sites and applications through which consumers can initiate money transfers.Source
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
62
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
54
Fair
Financial Strength
58
Business Quality / Moat
30
Management
90
Growth Quality
25
Risk / Durability
75
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
57
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
49/100
Building Historical Record
Model Score 49/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently cautious.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Dividend-change headline · Oct 9, 2026
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for WU
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving WU's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is WU's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does WU's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is WU's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
62
Opportunity Score
57
Market Cap
$1.90B
P/E Ratio
5.0
EPS
$1.25
52-Week High
$10.35
52-Week Low
$5.87
Beta
0.55
Intrinsic Value
$10.63
Analyst Target
$6.00
Shares Outstanding
327.6M
Total Revenue
$4.03B
Total Debt
$2.70B
Reported Dividend Yield
15.76%
Liquidation Value / Share
$2.79
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for WU
Detected from reported data — verify before acting.Dividend history reported
The provider reports a dividend yield. Confirm the latest declaration before treating it as a current payment.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Dividend-change headline · Oct 9, 2026
Western Union Yields Nearly 15%. These 6 Dividend Stocks Could Be Headed for a Painful Cut — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
24/7 Wall StreetCommunity Sentiment
0 active · 0 total callsNo personal call yet on WU.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Globally recognized brand.
- +Extensive global agent network.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
- −Regulatory and compliance risks.
- −Intense competition in money movement.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
62
Oct 1, 2026
Change
Unchanged
Current Score
62
Oct 26, 2026
Category Changes
WU score was unchanged.
Projected Score
Projected Score
54
Projected Change
-8.0 points
Preliminary comparable-period financial changes suggest decline of approximately 8.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$6.09
Model Intrinsic Value
$10.63
Difference
−$4.54
-42.7% vs IV
Margin of Safety
42.7%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.03B | $4.04B | $4.21B | $4.36B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $2.70B | $2.88B | $2.62B | $2.67B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $1.33B | $1.16B | $1.59B | $1.69B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $570.0M | $742.8M | $863.4M | $867.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $676.6M | $375.5M | $863.4M | $867.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $833.1M | $934.3M | $917.5M | $1.03B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $653.7M | $784.2M | $725.8M | $817.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $353.0M | $143.2M | $119.8M | $105.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $504.2M | $625.7M | $618.6M | $745.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $108.8M | $126.1M | -$315.6M | $119.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $395.4M | $499.6M | $934.2M | $626.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $1.25 | $1.53 | $2.75 | $1.69 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 313M | 327M | 340M | 371M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 314M | 328M | 341M | 372M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$1.01B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.24
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-1.9%
Cash Change
-2.8%
Margin Change
-4.3 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included debt levels. Pressure indicators included revenue growth, EPS growth, cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 1.3%. EPS declined 35.1%. Cash declined 2.8%. Total debt declined 1.9%. Net income margin declined by 4.3 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
41
Smart Money
41
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
A dividend is reported, but detailed payment history is temporarily unavailable or awaiting refresh.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesNews
Earnings Preview: Western Union (WU) Q3 Earnings Expected to Decline
Western Union (WU) Suffers a Larger Drop Than the General Market: Key Insights
Western Union (WU) Advances While Market Declines: Some Information for Investors
A 14.9% Dividend Yield Sounds Great. Western Union Shows Why It Could Be a Trap
Rumor Mill · WU
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial