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WU · Western Union CO

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$7.21 -0.05 (-0.69%) At close · Aug 27
Market Cap
$2.26B
Shares
311.88M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$7.21 Open$7.25 Day$7.17–7.28 52W close$6.36–10.28 Avg vol 30d11.7M Short int44.0M · 14.1% float · 3.5d Short vol56% Last earningsJul 30, 2026 DataJan 2020–Aug 2026 Filing10-Q · Jul 30

Up next

Next earnings call
Oct 30, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Jul 30, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Sell
      SellHoldBuy
      Technical Sell Momentum Very Weak Sentiment Neutral Fundamentals Fair Quant / Vol Moderate
      Market backdrop VIX 14.5 · calm Equity put/call 0.39
      Technical
      price trend
      Sell
      50 / 200-day cross No cross
      Price vs 200-day avg −17%
      below
      Price vs 50-day avg −5%
      below
      RSI (14) 44
      neutral
      MACD trend Positive
      52-week position 22%
      mid-range
      Momentum
      relative strength
      Very Weak
      1-month return −6%
      trailing
      6-month return −26%
      trailing
      YTD return −23%
      this year
      Relative strength −41%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $8 › 200d $9 — 200d above 50d
      Institutional flow Distributing
      -5% holders QoQ · +86 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      14.09% of float · ▼ -14.2% MoM · 3.5 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      487 holders — mid 3-yr range
      Squeeze score 62
      elevated · 0–100
      Fundamentals
      Fair
      Revenue growth −4%
      Y/Y
      EPS growth −45%
      Y/Y
      Free cash flow $505.2M
      Valuation P/E 5.9
      below peers
      Buyback $721.6M
      remaining
      Balance sheet $1.7B
      net debt
      Quant / Vol
      risk profile
      Moderate
      Volatility 38%
      annualized · 1-yr
      Max drawdown −38%
      past year
      ATR 3.6%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Beat or met 3 of last 3
      Latest guidance · from the 8-K filed Jul 30, 2026
      Revenues (GAAP) - YoY % change · full year 2026 Lowered 3% – 5%
      Apr 24, 2026 5% – 8% changed to Jul 30, 2026 3% – 5%
      Revenues, adjusted (non-GAAP) - YoY % change · full year 2026 Lowered 4% – 6%
      Apr 24, 2026 6% – 9% changed to Jul 30, 2026 4% – 6%
      Effective tax rate (GAAP) · full year 2026 Maintained 20% – 22%
      Apr 24, 2026 20% – 22% changed to Jul 30, 2026 20% – 22%
      Effective tax rate, adjusted (non-GAAP) · full year 2026 Maintained 13% – 15%
      Apr 24, 2026 13% – 15% changed to Jul 30, 2026 13% – 15%
      Prior guidance period ended · from the 8-K filed Oct 23, 2025
      Operating margin (GAAP) · full year 2025 18% – 20%
      Operating margin, adjusted (non-GAAP) · full year 2025 19% – 21%
      Effective tax rate (GAAP) · full year 2025 19% – 21%
      Earnings per share, adjusted (non-GAAP) · full year 2025 $1.65 – $1.75
      Earnings per share (GAAP) · full year 2025 $1.45 – $1.55
      Effective tax rate, adjusted (non-GAAP) · full year 2025 13% – 15%
      Guided vs delivered · last 3 settled
      Earnings per share (GAAP) full year 2025
      guided $1.45 – $1.55
      $1.52 In line
      Adjusted EPS 2023
      guided $1.55 – $1.65
      $1.68 Beat +5.0%
      GAAP EPS full year 2022
      guided $2.18 – $2.28
      $2.34 Beat +4.9%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Sell
      2 · 3 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      −17% Bearish
      Price vs 50-day avg
      −5% Bearish
      RSI (14)
      44 Neutral
      MACD trend
      Positive Bullish
      52-week position
      22% Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) No cross
      50d $8 › 200d $9 — 200d above 50d
      Institutional flow Distributing
      -5% holders QoQ · +86 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      14.09% of float · ▼ -14.2% MoM · 3.5 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      487 holders — mid 3-yr range
      Price context
      position in its 52-week range
      Range low $6 Now $7 · 22% Range high $10
      vs 200-day avg -17% vs 50-day avg -5%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Branded Digital share of total CMT revenues 32% Q2 —
      Branded Digital share of total CMT transactions 43% Q2 —
      CMT segment Transactions 3% Q2 —
      Cross-border principal, constant currency - YoY % change non-GAAP 1% 2Q26 —
      MEASA region transactions 44% 2Q26 —
      Adjusted operating income (non-GAAP) non-GAAP $126.7M 1Q26 —
      GAAP → non-GAAP reconciliation
      GAAP Operating income (GAAP) $123M
      +$2.1M Acquisition, separation, and integration costs
      +$1.2M Amortization of acquisition-related intangible assets
      -$0.5M Severance costs/(release)
      +$0.9M Russia termination costs
      = Adjusted operating income (non-GAAP) $126.7M
      Adjusted revenues, excluding Iraq (non-GAAP) non-GAAP $963.5M 1Q26 —
      Branded Digital revenues (GAAP) - YoY % change 9% 1Q26 —
      Operating margin 13% 1Q26 —
      Transactions - YoY % change 0% 1Q26 —
      adjusted effective tax rate non-GAAP 13% full year 2025 —
      adjusted EPS non-GAAP $1.75 full year 2025 —
      Branded Digital adjusted revenue growth non-GAAP 6% the fourth quarter —
      Branded Digital revenue growth 7% the fourth quarter —
      Capital returned to shareholders $529M full year 2025 —
      CMT revenue decline 7% the fourth quarter —
      CMT transactions decline 2% the fourth quarter —
      Consumer Money Transfer transactions 285.9M FY2025 —
      Consumer Services segment adjusted revenue growth non-GAAP 26% the fourth quarter —
      Consumer Services segment revenue growth 15% the fourth quarter —
      Dividends paid $305M full year 2025 —
      Share repurchases $225M full year 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Credit Services — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      WU
      Western Union CO
      this stock
      		$2.26B -22.6% -3.8% 5.9 14.1%
      V
      Visa Inc.
      		 $685.04B +8.3% -4.9% — 1.2%
      MA
      Mastercard Inc
      		 $522.63B +3.7% +16.4% 32.8 0.8%
      AXP
      American Express Co
      		 $227.01B -9.7% +13.4% 20.4 1.6%
      COF
      Capital One Financial Corp
      		 $134.81B -10.6% +36.6% — 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      487
      % held
      97.4%
      Net QoQ
      -12.3M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      390
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      44.0M
      Days to cover
      3.5d
      Change
      -7.3M sh
      View
      Short Volume
      Short vol %
      56%
      As of
      Aug 27, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      10.6K
      Value
      $86.1K
      As of
      Jul 30, 2026
      View
      Off-Exchange
      Off-exchange %
      43.5%
      Week of
      Jul 20, 2026
      Off-exch Lit
      View
      Smart Money
      Congressional Trades Sell
      Member
      Kathy Manning
      Amount
      $1.0K–$15.0K
      Traded
      Jun 13, 2024
      View
      Financials
      Financials
      Revenue (FY)
      $4.1B
      Net income (FY)
      $499.6M
      EPS diluted
      $1.52
      View
      Buybacks
      Authorized
      $1.0B
      Remaining
      $721.6M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Aug 14, 2026
      This year
      15
      View
      Proposed Sales
      Value
      $736.3K
      Shares
      87.1K
      Filed
      May 18, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 30, 2026
      View
      Investor Relations
      Latest news
      Western Union and Intermex Provid…
      Published
      Aug 14, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      WU -1.1% -6.2% -26.0% +13.4% -22.6%
      SPY +1.1% +4.0% +14.7% +3.2% +13.1%
      vs SPY -2.2% -10.2% -40.7% +10.1% -35.6%

      Capital returns

      Latest dividend
      $0.235 / share · ex Jun 16, 2026
      Declared · upcoming
      $0.235 / share · ex Sep 16, 2026
      Raised 4.4%
      Paid (TTM)
      $0.94 / share · 4 payouts
      Dividend yield (TTM, derived)
      13.04%
      Buyback program · as of Jun 30, 2026
      Authorized
      $1.00B
      Spent (derived)
      $278.40M
      Remaining
      $721.60M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1365135 CUSIP 959802109 13F (30d) 367 filings 366 filers Visit website Investor relations

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