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WUWU

The Western Union Company

$WU·$2.2B·Financial - Credit Services·Financial Services
$6.97-0.9%YTD-25.1%1Y-16.2%
Price updated 6m ago·X counts updated 2d ago
WUWU
$WUThe Western Union Company
$6.97-0.85%239 posts1.1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $WU on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

239X posts · last 7 days
Aug 31Sep 13
Chatter Meter
1.1×
QuietNormal · 1×Loud

How loud $WU's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 53% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-08-18

Chatter is bullish on Western Union as takeover chatter increases. Bulls describe the board reportedly may shop the company after receiving a ~$10-per-share offer while the stock trades ~$7, framing WU as a bargain with a ~13% dividend and expected 30% capital growth. Fresh news includes USDPT-powered digital wallet and Stablecard developments — described as WU as the world's #1 trusted Tether-bank fit. Traders describe building large positions around $7.02 selling premium on 29 contracts. Short interest is at all-time highs — squeeze fuel.

Read what X is saying about $WU

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $WU — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Comeback attemptWinding up for a moveAI verdict · as of 2026-09-14

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Western Union at 5x earnings with a ~13% dividend — takeover chatter at ~$10 puts a real bid under a beaten-down name.

Western Union is the mature money-transfer franchise at 5x earnings and a ~13% dividend — the tape is broken (-25% YTD), but takeover chatter at ~$10 versus a $7 print puts real M&A optionality under the equity.

  • Q2 revenue was $1.01B down 1.3% YoY at 13% operating margin — the business is declining slowly, not collapsing, and 33% gross margin plus a real cash-flow base means an acquirer buying at $10 is buying a real earnings stream, not a story.
  • Short interest at all-time highs plus a takeover bid at ~$10 versus a $7 tape is exactly the squeeze setup — if the board runs a process, mechanical short-covering forces the price up before fundamentals do anything.

At 16% of its 52-week range and 8% below the 50-day, this is coiling on the takeover thesis. A confirmed board-run process or a specific bidder named restarts the leg to $10+; a board rejection without a strategic alternative, or a further money-transfer volume decline, is what keeps this in the $6-$7 band with the dividend as the floor.

Agrees with X sentimentBulls' takeover-chatter framing (board reportedly may shop after receiving ~$10-per-share offer while stock trades ~$7) plus the 13% dividend, 30% capital-growth math and all-time-high short interest as squeeze fuel is a real, coherent setup. The USDPT/Stablecard developments are secondary — the deal thesis is the primary trade here.

What to watch: A confirmed board-run sale process or a specific bidder named publicly is what restarts the leg to $10+; a board rejection of the initial offer without alternatives, or a further money-transfer volume decline in the Oct 22 Q3 print, is what keeps this in the $6-$7 band with the dividend as the floor.

On the calendar: 2026-10-22 — Q3 earnings

takeover speculation

Read the AI verdict on $WU

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Global money transfer company facilitating cross-border payments and remittances through 500,000+ agent locations and digital channels.

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 · Financial Services

AI-driven underwriting and BNPL are reshaping consumer credit while card network volumes hold via premium-spend mix; rate compression remains a headwind for subprime lenders. SoFi is down 30% YTD on valuation re-rate despite operational progress, and PYPL is expanding payment reach under a new strategic direction.

What this means for $WU

Neutral — Global remittance and cross-border money transfer; revenue tied to migration-driven payment flows rather than consumer credit cycles—digital channel growth is the strategic variable, not AI underwriting or BNPL adoption.

Industry benchmark

18-name peer basket
-9.0%YTD
-18.9%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 $0.35

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

5-year forecast · up to 11 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$4.1B$4.0B – $4.2B$1.29$1.25 – $1.3311
FY27$4.4B$4.0B – $4.6B$1.52$1.43 – $1.6011
FY28$4.5B$4.1B – $4.7B$1.67$1.56 – $1.8110
FY29$4.4B$4.1B – $4.6B$2.06$1.89 – $2.175
FY30$4.2B$3.9B – $4.3B$1.87$1.72 – $1.975

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.5×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.19%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-6.5%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-18.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 309.7M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.7% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.545-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellMay 1Adams Benjamin CarltonChief Legal Officer19.9K sh$184KSellApr 28Giovanni AngeliniPresident6.0K sh$57K
+ 2 other (1 inkind · 1 award) in window

See when $WU insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDAug 148-K — Item 7.01: Press release / Reg FD · Item 8.01: Other event
AI summary

Western Union Company disclosed on August 13, 2026 that it and Intermex Wire Transfer II, LLC (an IMXI subsidiary) entered into an Assurance of Discontinuance with the New York Attorney General and the NY Department of Financial Services, resolving a regulatory review of Western Union's pending acquisition of International Money Express, Inc. (IMXI) concerning competition in remittance services from New York to Latin America and Caribbean countries. The AOD was entered for settlement purposes only without any admissions. This clears a significant state-level regulatory hurdle, advancing the IMXI acquisition's path to close.

8-KOfficer or director changeJul 238-K — Item 5.02: Officer or director change
AI summary

WU (WU) disclosed an officer or director change (Item 5.02) on 2026-07-23. Details: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Executive transitions are administrative disclosures; materiality depends on the seniority of the affected position. No new financial terms were disclosed in this filing.

8-KShareholder voteMay 188-K — Item 5.07: Shareholder vote
424B5Prospectus supplement (offering)May 1424B5
424B5Prospectus supplement (offering)Apr 30424B5
+ 16 other (5 13Gs · 3 proxys · 2 10-Qs · 2 earnings 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Why the Market Dipped But Western Union (WU) Gained Todayzacks.com·19h agoWestern Union (WU) Declines More Than Market: Some Information for Investorszacks.com·7d agoWestern Union (WU) Sees a More Significant Dip Than Broader Market: Some Facts to Knowzacks.com·15d agoCan Western Union's $200M Beyond Efficiency Plan Revive Profitability?zacks.com·25d agoCan Total Wireless Help Western Union Deepen U.S. Retail Reach?zacks.com·27d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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