Western Union stock
WUNYSEThe Western Union Company, Financial ServicesISIN US9598021098
61Score 61 out of 100, Neutral
Price and trend
56 / 100
Price history
−25% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 16% below it.
Since May 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 58).
The price is 35% below its 52-week high. Largest decline in 20 years: 79% (August 2008 to September 2026).
Chart figures for advanced users
- SMA 50$6.40
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$7.95
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)58
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$5.90
- The lowest closing price of the last twelve months.
- Resistance$10.28
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- The Western Union Company belongs to the Financial (Credit Services) industry (United States) and, with a market value of $2.08B, is number 36 of 61 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $4.04B (down 4% year on year) and earnings of $499.6M (down 46.5%).
- For fiscal 2026, analysts expect on average revenue of $4.03B (down 0.2%) and adjusted earnings per share of $1.29 (down 26.5%).
Show more
- MEQIRI Score 61 out of 100 (Neutral): rank 718 of 976 in Financial Services, median 68.
- The P/E is 6.3 (Financial (Credit Services) median 11.8, own median of recent years 9).
- Our model puts fair value at $15.12, with the price 55% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Share buybacksShare count down 21% since 2020.Capital allocation 89
- Modestly valuedP/E 6.3, Financial (Credit Services) median 11.8, own median 9.Valuation 98
- Reliable dividendNo dividend cut for 19 years.Capital allocation 89
Weaknesses
- High debtDebt 2.81 times equity (latest quarter), Financial (Credit Services) median 1.48.Stability 53
- Dividend at riskDividend yield 14%. At yields this high (12 to 15%), the dividend was cut by at least a fifth within a year in 44 of 100 cases from 2011 to 2025, against 7 of 100 at 2 to 4%.
- Revenue shrinkingRevenue down 3.5% a year since 2020.Growth 8
Its standout strengths are valuation and fundamentals, while momentum and growth hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamentals are strong, with stable profits and strong cash generation.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price far below its 52-week high
What lowers it
- solid fundamentals
- low growth grade (crashed less often in the backtest)
Valuation
Valuation signal
Possible value trapClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $11.63 and expensive above $21.60 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $17.70 (cash-flow model) and $12.53 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 10.6%. At 11.6% the fair value would be $13.95, at 9.6% it would be $16.70.
Possible value trap: looks cheap, but weak growth.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 2.2% on the twelve months before. Revenue has stayed largely stable since 2006.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 29%, operating 19%, net 12%.
Debt & balance sheet
latest quarterDebt is elevated. Keep an eye on the interest burden and refinancing.
Earnings
- Next earnings
- 19 Feb 2027in 99 days
- Last reported
- 4 Nov 2026EPS reported $0.42 (expected $0.34)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $1.29+1.2%
- Revenue
- $4.03B−1.1%
- Earnings per share
- $1.51+0.2%
- Revenue
- $4.27B−1.5%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook lowered
Share price after the results: −21.4%Results below expectations for the second quarter in a row with lower profitability in retail and the Middle East; 2026 guidance updated to 4% to 6% revenue growth including Intermex.
“Based on our performance year to date, and our view on the remainder of the year, we are updating our 2026 guidance We now believe adjusted revenue will be in the range of 4% to 6% revenue growth inclusive of the Intermex acquisition.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 30 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Western Union
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 61
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- Enova InternationalENVA $4.19B71
- Bread Financial HoldingsBFH $3.71B78
- SLMSLM $3.18B66
- Encore Capital GroupECPG $2.34B83
- Upstart HoldingsUPST $2.03B31
- Federal Agricultural MortgageAGM $1.89B67
- Hoist FinanceHOFI.ST $1.84B80
- KRUK Spólka AkcyjnaKRU.WA $1.66B72
ETFs that hold Western Union
Held by 13 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Global X Superdividend UCITS ETF USDUDIV | 0.82% | 0.45% | €842.65M |
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.12% | 0.30% | €2.28B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.09% | 0.30% | €944.34M |
Show 5 more
| Amundi MSCI Digital Economy UCITS ETF AccEBUY | 0.04% | 0.45% | €96.36M |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.04% | 0.39% | €188.08M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.03% | 0.43% | €2.48B |
| State Street SPDR MSCI All Country World Investable Market UCITS ETF (Acc)SPYI | 0.03% | 0.17% | €8.6B |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.02% | 0.45% | €1.53B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 31 May 2024)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.