The Western Union Company (WU) Stock Price & Analysis
The Western Union Company (WU) closed at USD 6.43 on Thursday, October 22, 2026, up 2.88% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 6.25; the Oct 22, 2026 session ranged USD 6.27–6.47 on volume of 9,686,058 shares. Market capitalization is $2.01B, with a 52-week range of USD 5.87–10.35 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 09:25 UTC.
Also available as compact Markdown for AI agents: nexqual.com/WU.md
Key facts (WU)
- Last four reported quarters (through Jun 30, 2026): revenue $4.04B, net income $395M (9.8% margin), free cash flow $565M (SEC filings).
- Valuation: P/E 5.1x (avg 5.7x at the last 3 fiscal year-ends), EV/EBITDA 5.3x, net debt $1.59B.
- Earnings quality: non-operating income -$138M vs operating income $642M over the last four quarters; P/E excluding non-operating income ≈4.0x (estimate: non-operating income taxed at the company's 21.6% effective rate).
- 1 of 80 tracked superinvestors hold WU (13F, Q2 2026): 0 new, 1 added, 0 reduced, 0 unchanged.
- Analysts: Hold (mean 3.33 on a 1–5 scale) (18 analysts), mean target USD 6.63 (range 6–8.5).
- Total return with dividends: 1Y -11.2% vs S&P 500 +14.9%; 5Y -49.6% vs S&P 500 +80.3%.
- Next earnings: 2026-11-04, EPS estimate USD 0.34, revenue estimate $1.02B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (WU)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $5.07B | $4.48B | $4.36B | $4.21B | $4.05B | $4.04B |
| Gross profit | $2.17B | $1.85B | $1.69B | $1.59B | $1.50B | — |
| Operating income | $1.12B | $885M | $818M | $726M | $757M | $642M |
| Net income | $806M | $911M | $626M | $934M | $500M | $395M |
| EPS (diluted) | $1.97 | $2.34 | $1.68 | $2.74 | $1.52 | — |
| Free cash flow | $1.01B | $550M | $760M | $369M | $505M | $565M |
| Gross margin | 42.9% | 41.3% | 38.7% | 37.8% | 37.0% | — |
| Operating margin | 22.1% | 19.8% | 18.8% | 17.2% | 18.7% | 15.9% |
| Net margin | 15.9% | 20.3% | 14.4% | 22.2% | 12.3% | 9.8% |
| Revenue growth | +4.9% | -11.7% | -2.6% | -3.4% | -3.8% | — |
| Cash + short-term investments | $1.21B | $1.29B | $1.27B | $1.47B | $1.23B | — |
| Total debt | $2.75B | $2.45B | $2.15B | $2.95B | $2.88B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (WU)
P/E 5.1x · P/E ex non-operating (est.) ≈4.0x · P/S 0.5x · EV/EBITDA 5.3x · EV/Sales 0.9x · P/FCF 3.5x · P/B 2.2x · FCF yield 28.19% · Earnings yield 19.72% · Dividend yield (paid, TTM) 15.09% · Buyback yield (TTM) 7.10% · Net debt $1.59B · EV $3.60B
P/E at fiscal year-ends: Dec 2025 6.1x, Dec 2024 3.9x, Dec 2023 7.1x.
Superinvestors (SEC 13F-HR, Q2 2026) (WU)
1 of 80 tracked investors hold WU. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Tweedy Browne | 0.16% | $2.1M | Added +57.1% |
Analysts (WU)
Consensus Hold (mean 3.33 on a 1–5 scale), 18 analysts; mean target USD 6.63 (low 6, high 8.5).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-14 | JP Morgan | Target lowered | Underweight | $8 → $7 |
| 2026-09-29 | Cantor Fitzgerald | Target lowered | Underweight | $7 → $6 |
| 2026-08-03 | Citigroup | Target lowered | Neutral | $8.5 → $7 |
| 2026-08-03 | Cantor Fitzgerald | Target lowered | Underweight | $8 → $7 |
| 2026-07-31 | RBC Capital | Target lowered | Sector Perform | $9 → $8 |
| 2026-07-31 | Morgan Stanley | Target lowered | Underweight | $7 → $6 |
| 2026-07-31 | Susquehanna | Target lowered | Neutral | $10 → $8 |
| 2026-07-31 | Barclays | Target lowered | Underweight | $7 → $6 |
| 2026-07-22 | Cantor Fitzgerald | Target lowered | Underweight | $9 → $8 |
| 2026-07-17 | Citigroup | Target lowered | Neutral | $9.5 → $8.5 |
| 2026-07-13 | JP Morgan | Target lowered | Underweight | $9 → $8 |
| 2026-07-08 | Barclays | Initiated | Underweight | $7 |
Total return (dividends reinvested) (WU)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | -11.2% | -49.6% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -11.3% | -12.8% |
| Volatility (annualized) | 38.7% | 30.7% |
| Max drawdown | -37.1% (Feb 2026→Sep 2026) | -53.9% (Feb 2022→Sep 2026) |
WU analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.34 | $0.52 | -35.0% | $1.02B | 17 |
| Next quarter (ends Dec 2026) | $0.36 | $0.53 | -31.0% | $1.03B | 15 |
| Current fiscal year (ends Dec 2026) | $1.27 | $1.73 | -26.8% | $4.05B | 18 |
| Next fiscal year (ends Dec 2027) | $1.50 | $1.89 | -20.8% | $4.33B | 18 |
Key Statistics (as of October 23, 2026 at 09:25 UTC)
| Price | USD 6.43 |
|---|---|
| Change | ▲ 2.88% (up) |
| Previous Close | USD 6.25 |
| Open | USD 6.28 |
| Day Range | USD 6.27 – 6.47 |
| 52-Week Range | USD 5.87 – 10.35 |
| Volume | 9,686,058 shares |
| Market Cap | $2.01B |
| Exchange | NYQ |
Technical Analysis (WU)
Nexqual's technical model rates WU "SELL" based on 2 bullish and 5 bearish signals across 127 daily candles, as of October 23, 2026 at 09:25 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 51.34 (neutral) |
| vs SMA50 | Below (USD 6.63) |
| MACD | -0.09 (negative) |
Analyst Ratings (WU)
Wall Street analysts rate WU "Hold" based on 18 analysts, with a mean price target of USD 6.63 (range USD 6–8.5), per Nexqual as of October 23, 2026 at 09:25 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 18 |
| Mean Target | USD 6.63 |
| High Target | USD 8.5 |
| Low Target | USD 6 |
| Buy / Hold / Sell | 1 / 11 / 6 |
Earnings (WU)
| Next Earnings Date | 2026-11-04 |
|---|---|
| EPS Estimate | USD 0.34 |
| Revenue Estimate | $1.02B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.31 vs est 0.42 ▼ miss |
| 2026-03-31 | USD 0.25 vs est 0.39 ▼ miss |
| 2025-12-31 | USD 0.45 vs est 0.43 ▲ beat |
| 2025-09-30 | USD 0.47 vs est 0.43 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:25 UTC.
Financials & Fundamentals (WU)
| Total Revenue | $4.04B |
|---|---|
| Revenue Growth (latest quarter, YoY) | -1.30% |
| Gross Margin | +35.09% |
| Operating Margin | +13.04% |
| Profit Margin | +9.80% |
| ROE | +43.97% |
| Debt / Equity | 2.95 |
| Current Ratio | 0.28 |
| Total Cash | $919.80M |
| Total Debt | $2.70B |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $565.40M (14.0% of revenue) |
Source: Nexqual, October 23, 2026 at 09:25 UTC.
Financial Health Score (WU)
Nexqual rates The Western Union Company's overall financial health "Mixed" across five dimensions, as of October 23, 2026 at 09:25 UTC.
| Growth | Weak — Revenue -4% YoY (annual), declining |
|---|---|
| Profitability | Solid — Gross margin 35%, operating 13% (last 12 months) |
| Balance Sheet | Critical — $920M cash and investments vs $2.51B debt (Jun 2026, SEC) |
| Cash Flow | Solid — FCF $565M (last 4 quarters to Jun 2026, SEC), 14% margin |
| Efficiency | Strong — ROE 44%, ROA 5.1% |
Ownership (WU)
| Insider Ownership | +0.86% |
|---|---|
| Institutional Ownership | +100.58% |
| Shares Outstanding | 311.88M |
| Float | 309.80M |
| Short % of Float | +21.47% |
Source: Nexqual, October 23, 2026 at 09:25 UTC.
Leadership (WU)
The Western Union Company is led by Devin B. McGranahan, President, CEO & Director, per Nexqual as of October 23, 2026 at 09:25 UTC.
| President, CEO & Director | Devin B. McGranahan |
|---|---|
| Executive VP & CFO | Matthew Cagwin |
| Executive VP & COO | Benjamin Hawksworth |
| President of Europe, Africa & MEPA | Giovanni Angelini |
| Chief Marketing Officer | Bob Rupczynski |
Major Backers & Investors (WU)
Notable institutional backers of The Western Union Company include Schroder Investment Management Group, Capital Group, Charles Schwab Investment Management, Inc., according to Nexqual as of October 23, 2026 at 09:25 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Schroder Investment Management Group | 5.56% |
| Capital Group | 4.7% |
| Charles Schwab Investment Management, Inc. | 3.61% |
| LSV Asset Management | 3.52% |
| AQR Capital Management, LLC | 3.24% |
| Charles Schwab | 2.44% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 10.23% |
| BlackRock | 10.07% |
| Allianz Asset Management GmbH | 3.72% |
| State Street | 3.63% |
Source: Nexqual, October 23, 2026 at 09:25 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| ECPG | Encore Capital Group Inc | USD 100.36 | ▼ 3.65% |
| AGM | Federal Agricultural Mortgage C | USD 201.42 | ▲ 0.98% |
| EZPW | EZCORP, Inc. | USD 29.35 | ▼ 11.6% |
| UPST | Upstart Holdings, Inc. | USD 23.85 | ▲ 0.8% |
| ATLC | Atlanticus Holdings Corporation | USD 91.53 | ▼ 0.82% |
| JCAP | Jefferson Capital, Inc. | USD 20.69 | ▼ 0.24% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:25 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt