The Western Union Company
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X counts updated 3h ago
What it does
Plain-English summary of the business — what they sell and how they make money.
Industry overviewAI analysisGenerated by AI from underlying data
Where Financial - Credit Services sits in its cycle right now — and what that implies for $WU.
Financial - Credit Services
No material change from last week — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.
Industry benchmark
19-name peer basket
-0.1%YTD
-8.8%1Y
Fundamentals & catalyst
Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.
Key ratios
P/E
5.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.ROIC
13.9%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.Op margin
16.2%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.FCF yield
20.3%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).P/S
0.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.ROE
42.6%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.Gross margin
33.0%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.Past earnings
QuarterReportedActualEstimateSurprise
Q2 2026Jul 30, 2026$0.31$0.42-26.3%
Q1 2026Apr 24, 2026$0.25$0.40-37.5%
Q4 2025Feb 20, 2026$0.45$0.43+4.7%
Q3 2025Oct 23, 2025$0.47$0.43+9.3%
Next earningsThu, Oct 22·consensus EPS $0.52
Quarterly trend
QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$1.0B-1.3%33.2%13.0%$0.24$63.5M
Q1 FY26$982.7M-0.1%33.4%12.5%$0.21$62.2M
Q4 FY25$1.0B-4.9%27.5%19.6%$0.36$106.3M
Q3 FY25$1.0B-0.3%37.7%19.6%$0.43$170.6M
Forward consensus
FYRevenueRangeEPSRangeAnalysts
FY26$4.1B$3.9B – $4.3B$1.60$1.54 – $1.6412
FY27$4.4B$4.3B – $4.4B$1.78$1.73 – $1.8211
FY28$4.5B$4.2B – $4.8B$1.94$1.80 – $2.129
FY29$4.4B$4.1B – $4.6B$2.06$1.90 – $2.174
FY30$4.2B$3.9B – $4.3B$1.87$1.73 – $1.974
Recent news
Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.
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