Skip to main content

Western Union Company (The) (WU) Stock Analysis

SellVALUE-TRAP 1/5High Confidence

Financial Services · Credit Services

Sell if holding. Analyst target reached at $8.48 — A.R:R is negative (-0.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: V7 low-quality RISK_OFF penalty: -0.5 (Q=4.7).

Western Union is a cross-border money movement company with a global retail agent network in 200+ countries and territories. Consumer Money Transfer (87% of 2025 revenue) drives the business through agent-based transactions; Consumer Services (13%) covers bill payments, money... Read more

$8.48+11.6% A.UpsideScore 4.7/10#28 of 28 Credit Services
QualityF-score4 / 9FCF yield11.16%
IncomeYield11.27%(5y avg 7.63%)Payout69.12%
Stop $7.94Target $9.44(resistance)A.R:R -0.5:1
Analyst target$9.46+11.6%13 analysts
$9.44our TP
$8.48price
$9.46mean
$7
$16

Sell if holding. Analyst target reached at $8.48 — A.R:R is negative (-0.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: V7 low-quality RISK_OFF penalty: -0.5 (Q=4.7). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 4.7/10, high confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 70d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Recent Developments — Western Union Company (The)

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Margin of safety: 59%
Risks
Analyst target reached - limited upside remaining
V7 low-quality RISK_OFF penalty: -0.5 (Q=4.7)
Leverage penalty (D/E 2.9): -1.5

Key Metrics

P/E (TTM)6.1
P/E (Fwd)4.3
Mkt Cap$2.6B
EV/EBITDA4.9
Profit Mgn10.9%
ROE47.7%
Rev Growth-0.1%
Beta0.53
Dividend11.27%
Rating analysts27

Quality Signals

Piotroski F4/9

Options Flow

P/C0.57bullish
IV47%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers

Revenue shrinking — -0.1% YoY. Growth thesis broken unless recovery story develops.static

Earnings Growth
0.0
Revenue Growth
2.5
Declining revenue: -0%

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Obv
1.0
Volume
1.4
Ma Position
2.2
Macd
2.3
Rsi
3.5
Volume distribution (falling OBV)Below 200-MA but MA still rising (+2.2%/30d) — pullback in uptrend, not confirmed weakness
GatesMomentum 2.1<4.5A.R:R -0.5=NEGATIVEInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 70d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
34 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $7.95Resistance $9.63

Price Targets

$8
$9
A.Upside+11.3%
A.R:R-0.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-2.7% upside)
! Momentum score 2.1/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-28 (70d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is WU stock a buy right now?

Sell if holding. Analyst target reached at $8.48 — A.R:R is negative (-0.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: V7 low-quality RISK_OFF penalty: -0.5 (Q=4.7). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $7.94. Score 4.7/10, high confidence.

What is the WU stock price target?

Take-profit target: $9.44 (+11.6% upside). Prior stop was $7.94. Stop-loss: $7.94.

What are the risks of investing in WU?

Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.7); Leverage penalty (D/E 2.9): -1.5.

Is WU overvalued or undervalued?

Western Union Company (The) trades at a P/E of 6.1 (forward 4.3). TrendMatrix value score: 7.5/10. Verdict: Sell.

What do analysts say about WU?

27 analysts cover WU with a consensus score of 2.3/5. Average price target: $9.

What does Western Union Company (The) do?Western Union is a cross-border money movement company with a global retail agent network in 200+ countries and...

Western Union is a cross-border money movement company with a global retail agent network in 200+ countries and territories. Consumer Money Transfer (87% of 2025 revenue) drives the business through agent-based transactions; Consumer Services (13%) covers bill payments, money orders, and digital wallets.

Related stocks: SEZL (Sezzle Inc.) · ECPG (Encore Capital Group Inc) · CACC (Credit Acceptance Corporation) · JCAP (Jefferson Capital, Inc.) · ENVA (Enova International, Inc.)