Western Union (WU)
Market Price (5/20/2026): $8.4 | Market Cap: $2.6 BilSector: Financials | Industry: Transaction & Payment Processing Services
Western Union (WU)
Market Price (5/20/2026): $8.4Market Cap: $2.6 BilSector: FinancialsIndustry: Transaction & Payment Processing Services
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 28%, Dividend Yield is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 24%, FCF Yield is 13% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -12% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12% Low stock price volatilityVol 12M is 30% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Cross-border Remittances. | Weak multi-year price returns2Y Excs Rtn is -64%, 3Y Excs Rtn is -86% Meaningful short interestShort Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 16% | Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -2.3%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -2.4%, Rev Chg QQuarterly Revenue Change % is -0.1% Key risksWU key risks include [1] erosion of its core retail business as its digital transformation lags behind nimbler fintech rivals, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 28%, Dividend Yield is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 24%, FCF Yield is 13% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -12% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12% |
| Low stock price volatilityVol 12M is 30% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, and Cross-border Remittances. |
| Weak multi-year price returns2Y Excs Rtn is -64%, 3Y Excs Rtn is -86% |
| Meaningful short interestShort Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 16% |
| Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -2.3%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -2.4%, Rev Chg QQuarterly Revenue Change % is -0.1% |
| Key risksWU key risks include [1] erosion of its core retail business as its digital transformation lags behind nimbler fintech rivals, Show more. |
Qualitative Assessment
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1. Significant Miss in Q1 2026 Earnings. Western Union reported its Q1 2026 financial results on April 24, 2026, with adjusted earnings per share (EPS) of $0.25, significantly missing analysts' expectations of $0.39 by 35.90%. Additionally, quarterly revenue came in at $983 million, which was flat year-over-year and fell below consensus estimates of $1.06 billion. This substantial earnings miss led to an 11.68% decline in the stock price during premarket trading on April 24, 2026.
2. Weak Q4 2025 Revenue Performance. Prior to the Q1 results, Western Union reported its Q4 2025 earnings on February 20, 2026. While the company's EPS of $0.45 slightly beat estimates of $0.44, its revenue of $1.0 billion missed analyst projections by approximately $67.7 million. GAAP revenue for Q4 2025 decreased by 5% on both a reported and adjusted basis compared to the prior year. This revenue shortfall contributed to investor concerns regarding the company's financial trajectory.
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Stock Movement Drivers
Fundamental Drivers
The -8.8% change in WU stock from 1/31/2026 to 5/19/2026 was primarily driven by a -42.1% change in the company's Net Income Margin (%).| (LTM values as of) | 1312026 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 9.14 | 8.33 | -8.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 4,100 | 4,050 | -1.2% |
| Net Income Margin (%) | 18.8% | 10.9% | -42.1% |
| P/E Multiple | 3.8 | 5.9 | 55.8% |
| Shares Outstanding (Mil) | 322 | 315 | 2.3% |
| Cumulative Contribution | -8.8% |
Market Drivers
1/31/2026 to 5/19/2026| Return | Correlation | |
|---|---|---|
| WU | -8.8% | |
| Market (SPY) | 6.3% | 17.7% |
| Sector (XLF) | -3.9% | 33.5% |
Fundamental Drivers
The -6.1% change in WU stock from 10/31/2025 to 5/19/2026 was primarily driven by a -42.1% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 8.88 | 8.33 | -6.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 4,100 | 4,050 | -1.2% |
| Net Income Margin (%) | 18.8% | 10.9% | -42.1% |
| P/E Multiple | 3.7 | 5.9 | 60.4% |
| Shares Outstanding (Mil) | 322 | 315 | 2.3% |
| Cumulative Contribution | -6.1% |
Market Drivers
10/31/2025 to 5/19/2026| Return | Correlation | |
|---|---|---|
| WU | -6.1% | |
| Market (SPY) | 8.2% | 16.4% |
| Sector (XLF) | -1.6% | 37.4% |
Fundamental Drivers
The -6.5% change in WU stock from 4/30/2025 to 5/19/2026 was primarily driven by a -50.7% change in the company's Net Income Margin (%).| (LTM values as of) | 4302025 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 8.91 | 8.33 | -6.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 4,144 | 4,050 | -2.3% |
| Net Income Margin (%) | 22.1% | 10.9% | -50.7% |
| P/E Multiple | 3.3 | 5.9 | 80.8% |
| Shares Outstanding (Mil) | 338 | 315 | 7.3% |
| Cumulative Contribution | -6.5% |
Market Drivers
4/30/2025 to 5/19/2026| Return | Correlation | |
|---|---|---|
| WU | -6.5% | |
| Market (SPY) | 33.8% | 23.9% |
| Sector (XLF) | 6.4% | 36.9% |
Fundamental Drivers
The -0.6% change in WU stock from 4/30/2023 to 5/19/2026 was primarily driven by a -46.5% change in the company's Net Income Margin (%).| (LTM values as of) | 4302023 | 5192026 | Change |
|---|---|---|---|
| Stock Price ($) | 8.38 | 8.33 | -0.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 4,476 | 4,050 | -9.5% |
| Net Income Margin (%) | 20.3% | 10.9% | -46.5% |
| P/E Multiple | 3.5 | 5.9 | 69.0% |
| Shares Outstanding (Mil) | 382 | 315 | 21.5% |
| Cumulative Contribution | -0.6% |
Market Drivers
4/30/2023 to 5/19/2026| Return | Correlation | |
|---|---|---|
| WU | -0.6% | |
| Market (SPY) | 83.3% | 31.9% |
| Sector (XLF) | 61.7% | 39.2% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| WU Return | -15% | -18% | -6% | -4% | -3% | -7% | -43% |
| Peers Return | -33% | -29% | 9% | 17% | -35% | 3% | -60% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 97% |
Monthly Win Rates [3] | |||||||
| WU Win Rate | 50% | 50% | 67% | 42% | 33% | 60% | |
| Peers Win Rate | 38% | 42% | 55% | 50% | 40% | 40% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| WU Max Drawdown | -39% | -35% | -30% | -21% | -28% | -17% | |
| Peers Max Drawdown | -46% | -57% | -43% | -29% | -52% | -20% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PYPL, EEFT, RELY, IMXI, PSFE. See WU Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/19/2026 (YTD)
How Low Can It Go
| Event | WU | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -18.2% | -18.8% |
| % Gain to Breakeven | 22.3% | 23.1% |
| Time to Breakeven | 236 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -10.4% | -9.5% |
| % Gain to Breakeven | 11.7% | 10.5% |
| Time to Breakeven | 50 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -28.4% | -6.7% |
| % Gain to Breakeven | 39.7% | 7.1% |
| Time to Breakeven | 352 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -32.2% | -33.7% |
| % Gain to Breakeven | 47.5% | 50.9% |
| Time to Breakeven | 351 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -12.4% | -19.2% |
| % Gain to Breakeven | 14.1% | 23.8% |
| Time to Breakeven | 99 days | 105 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -18.1% | -12.2% |
| % Gain to Breakeven | 22.1% | 13.9% |
| Time to Breakeven | 85 days | 62 days |
In The Past
Western Union's stock fell -18.2% during the 2025 US Tariff Shock. Such a loss loss requires a 22.3% gain to breakeven.
Preserve Wealth
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Asset Allocation
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| Event | WU | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -28.4% | -6.7% |
| % Gain to Breakeven | 39.7% | 7.1% |
| Time to Breakeven | 352 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -32.2% | -33.7% |
| % Gain to Breakeven | 47.5% | 50.9% |
| Time to Breakeven | 351 days | 140 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -22.7% | -17.9% |
| % Gain to Breakeven | 29.4% | 21.8% |
| Time to Breakeven | 114 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -57.7% | -53.4% |
| % Gain to Breakeven | 136.3% | 114.4% |
| Time to Breakeven | 2252 days | 1085 days |
In The Past
Western Union's stock fell -18.2% during the 2025 US Tariff Shock. Such a loss loss requires a 22.3% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Western Union (WU)
AI Analysis | Feedback
- The FedEx or UPS for money.
- A global PayPal primarily for sending cash and money across borders.
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```html- Consumer Money Transfer Services: Facilitates person-to-person money transfers both domestically and internationally through a network of agents, websites, and mobile devices.
- Business Payment and Foreign Exchange Solutions: Provides cross-border and cross-currency payment services, including foreign currency forward and option contracts, for small to medium-sized enterprises and other organizations.
- Bill Payment Services: Enables consumers to make payments to businesses and other organizations.
- Money Order Services: Offers traditional money order instruments for secure payments.
AI Analysis | Feedback
The Western Union Company (WU) primarily serves individuals. While its Business Solutions segment caters to small and medium-sized enterprises (SMEs) and other organizations for cross-border payments and foreign exchange, the core Consumer-to-Consumer segment, and also bill payment services, are directed at individuals. Here are the major categories of individual customers Western Union serves:- Migrant workers and their families: A significant portion of Western Union's customer base comprises individuals working abroad who regularly send money (remittances) back to their families and dependants in their home countries. These transfers are crucial for supporting living expenses, education, and other needs.
- Individuals requiring fast and accessible money transfers: This category includes people who need to send or receive money quickly for various personal reasons, such as emergencies, gifts, travel support, or helping family members. These customers often value the speed, reliability, and extensive agent network offered by Western Union, especially for international transfers where traditional banking might be slower or less convenient.
- Unbanked or underbanked populations: Many customers do not have access to traditional banking services like bank accounts or credit cards. Western Union provides an essential financial lifeline for these individuals, enabling them to send and receive money, pay bills, and manage their finances through its widespread agent locations.
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Devin B. McGranahan, President and Chief Executive Officer
Devin B. McGranahan joined Western Union as CEO in late 2021, bringing over 25 years of business and leadership experience. Prior to his role at Western Union, he served as the Senior Group President, Global Business Solutions at Fiserv, Inc., where he was responsible for overseeing the company's global merchant acquiring and processing businesses.
Matt Cagwin, Chief Financial Officer
As Chief Financial Officer, Matt Cagwin leads Western Union's global finance organization, which encompasses financial reporting, planning and analysis, tax, treasury, and investor relations. Before joining Western Union, Mr. Cagwin held the position of Senior Vice President, Chief Financial Officer—Merchant Acceptance at Fiserv, Inc./First Data Corp. from 2018 to May 2022. He also served as Senior Vice President, Corporate Controller, and Chief Accounting Officer of First Data from 2014 to 2019.
Ben Hawksworth, Chief Operating Officer
Ben Hawksworth, as Chief Operating Officer, is responsible for overseeing various aspects of Western Union's operations. His purview includes the product and technology teams, customer and agent experience and support services, as well as retail and payments product, platforms, infrastructure & engineering, and data functions.
Caroline Tsai, Executive Vice President, General Counsel & Corporate Secretary
Caroline Tsai joined Western Union in December 2017. As Executive Vice President, General Counsel & Corporate Secretary, she is responsible for the company's legal, compliance, public policy advocacy, and bank regulatory strategies. Prior to her tenure at Western Union, Ms. Tsai accumulated over 12 years of experience in executive-level legal roles at BMO Financial Group and Bank of America Corporation. At BMO Financial Group, she served as Deputy General Counsel and Chief Regulatory Officer, and as Chief Legal Officer, U.S. Personal and Commercial Banking at BMO Harris Bank, where she notably led the negotiation and closing of the $9 billion acquisition of the GE Transportation Finance business. She began her legal career at Jones Day, specializing in complex structured transactions for investment banking clients.
Ramya Narayanan, Chief Strategy and Development Officer
As Chief Strategy and Development Officer, Ramya Narayanan collaborates with leaders both inside and outside Western Union to support and monitor strategic initiatives. Her responsibilities include exploring expansion opportunities, mergers and acquisitions, and defining the strategic direction for global retail. Before joining Western Union, Ms. Narayanan spent over 13 years at American Express, where she held various general management and enterprise strategy roles, most recently leading the Enterprise Strategy and Execution team.
AI Analysis | Feedback
The key risks to Western Union's business are primarily driven by the evolving competitive landscape, stringent regulatory environment, and inherent operational risks associated with its agent network.
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Intense Competition from Digital-First Fintechs: Western Union faces significant and accelerating competition from digital-first financial technology (fintech) companies and other digital payment providers. These competitors often offer lower costs and faster services, which challenge Western Union's traditional retail-agent model and are eroding its market share. While the company is working on its digital transformation (e.g., Branded Digital revenue growth), the decline in its core Consumer Money Transfer (CMT) revenue demonstrates the pressure on its traditional business, impacting overall revenue and gross margins.
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Regulatory and Compliance Risks: Operating in the global money movement and payment services sector exposes Western Union to a complex and ever-changing regulatory environment. The company must comply with strict legal requirements related to anti-money laundering (AML), sanctions, fraud prevention, licensing, and consumer protection. Material changes or increased stringency in these regulations can lead to higher operational costs, increased demands on its agent network, potential agent attrition, and exposure to litigation and governmental investigations.
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Credit, Liquidity, and Fraud Risks from Agents and Consumers: A substantial portion of Western Union's business relies on its extensive network of third-party agents. The company faces credit exposure to these agents, who collect funds for transfers. There is a risk that agents may generate less revenue, leave the network due to competition or other factors, or be unable to settle funds, which could adversely affect the company's revenue and profits. Additionally, the company is exposed to fraud risks originating from agents, consumers, and third-party processors, which can impact its financial condition and results of operations.
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Emerging Threats for Western Union (WU)
The clear emerging threat to Western Union comes from the proliferation and rapid growth of digital-first fintech companies specializing in cross-border money transfers. Companies such as Wise (formerly TransferWise), Remitly, and Xoom (owned by PayPal) leverage advanced technology to offer consumers significantly lower transaction fees, more competitive exchange rates, and a more convenient, mobile-centric user experience. These digital platforms directly challenge Western Union's traditional agent-based model by enabling faster, cheaper, and fully online or app-based remittances, thereby attracting a growing segment of customers and eroding Western Union's market share in its core Consumer-to-Consumer segment.
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The addressable markets for Western Union's main products and services are substantial and global in scope. ### Consumer-to-Consumer (C2C) Money Transfers Western Union's Consumer-to-Consumer segment, which facilitates money transfers between two consumers, addresses a significant global market. The global C2C cross-border payments market (Total Addressable Market or TAM) was valued at approximately $2.1 trillion in 2025. This market is projected to grow to $3.3 trillion by 2033. Another perspective on this market, the global remittance market, was valued at USD 188.93 billion in 2025 and is estimated to reach USD 381.98 billion by 2031. ### Business Solutions Western Union's Business Solutions segment, providing payment and foreign exchange solutions, operates within the expansive cross-border payments and foreign exchange markets. * **Cross-Border Payments:** The entire wholesale and retail cross-border payments market had a Total Addressable Market (TAM) of $208 trillion in 2025. Specifically, the Business-to-Business (B2B) cross-border payments market had a global size of $34.8 trillion in 2025 and is projected to grow to $51.2 trillion in 2033. * **Foreign Exchange (FX) Services:** The global foreign exchange services market is valued at USD 11.02 billion in 2025 and is predicted to reach USD 24.17 billion by 2035. More broadly, the daily trading volume in the global foreign exchange market reached approximately $7.5 trillion in 2022.AI Analysis | Feedback
Here are 3-5 expected drivers of future revenue growth for Western Union (WU) over the next 2-3 years: * Accelerated Digital-First Strategy and Branded Digital Growth: Western Union is intensely focused on its "digital-first" strategy, aiming to significantly increase its digital mix and branded digital revenue. This involves expanding its online and mobile app services (WU.com), driving customer acquisition to digital platforms, and shifting towards account-to-account payouts. The company expects digital channels to represent a materially higher percentage of total money transfer revenue by 2025. * Expansion of Consumer Services: The Consumer Services segment, encompassing offerings like bill pay, prepaid cards, travel money, and digital wallets, is projected to achieve double-digit revenue growth. Western Union views this segment as a crucial area for expanding "beyond remittances" and aims for it to become a $1 billion business by 2028 through market expansion, new product offerings, and inorganic growth strategies. * Strategic Partnerships and Omnichannel Enhancements: Growth is expected from strategic partnerships that facilitate send-to-account and send-to-wallet transactions with banks and mobile wallets across numerous markets. Additionally, integrations with major card networks like Visa Direct and Mastercard Send are designed to enable near real-time deposits. Western Union is also leveraging its extensive retail agent network to catalyze and support the growth of its digital services, offering an omnichannel experience. * Acquisition of International Money Express (Intermex): The pending acquisition of International Money Express is anticipated to be a significant contributor to revenue growth. This acquisition will bolster Western Union's money transfer network, particularly in Latin America, and is expected to be accretive to earnings, with full synergy accretion targeted more for 2027. * Launch of Digital Asset Network and USDPT Stablecoin: Western Union plans to launch its U.S. Dollar Payment Token (USDPT) stablecoin and a Digital Asset Network in the first half of 2026. This initiative aims to bridge traditional finance with blockchain technology, offering faster, more secure, and potentially cheaper cross-border transactions, and is highlighted as a key driver for expanding global money movement options.AI Analysis | Feedback
Share Repurchases
- The Western Union Company authorized a new $1 billion share repurchase program in December 2024, without a predetermined expiration date.
- The company repurchased approximately $225 million in shares in 2025.
- In 2024 and 2023, Western Union repurchased $186.2 million and $300 million in common shares, respectively.
Share Issuance
- The number of common shares outstanding decreased from 409 million at the end of 2021 to 315.7 million at the end of 2025, indicating a net reduction primarily due to share repurchases.
Outbound Investments
- Western Union announced an agreement in August 2025 to acquire International Money Express, Inc. (Intermex) for approximately $500 million, with the transaction expected to close in the second quarter of 2026.
- The company sold its Business Solutions segment, with the final closing of the transaction occurring on July 1, 2023.
Capital Expenditures
- Capital expenditures totaled $150.8 million in 2025, $37.4 million in 2024, and $147.8 million in 2023.
- The company's "Beyond" strategy, launched in 2025, focuses on repositioning Western Union as a digital-first provider of remittances and financial services, leveraging its retail network to grow digital offerings.
- Primary focuses of capital expenditures include investments in technology to mitigate risks associated with fraud and regulatory changes, and re-architecting its platform into a cloud-based, omnichannel system.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Western Union Earnings Notes | 12/28/2026 | |
| With Western Union Stock Surging, Have You Considered The Downside? | 10/17/2025 | |
| Western Union vs Interactive Brokers: Which Is A Better Investment? | 08/18/2025 | |
| Better Bet Than WU Stock: Pay Less Than Western Union To Get More From CHTR, IBKR | 08/12/2025 | |
| Better Bet Than WU Stock: Pay Less Than Western Union To Get More From IBKR, JEF | 08/12/2025 | |
| Western Union (WU) Net Income Comparison | 08/09/2025 | |
| Western Union (WU) Debt Comparison | 08/09/2025 | |
| Western Union (WU) EBITDA Comparison | 08/09/2025 | |
| ARTICLES | ||
| Stocks Trading At 52-Week Low | 07/19/2025 |
Trade Ideas
Select ideas related to WU.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 13.5% | 13.5% | -0.4% |
| 10312023 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 23.5% | 3.2% | 0.0% |
| 04302022 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -14.4% | -30.1% | -35.3% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 18.09 |
| Mkt Cap | 2.6 |
| Rev LTM | 2,896 |
| Op Inc LTM | 323 |
| FCF LTM | 297 |
| FCF 3Y Avg | 300 |
| CFO LTM | 381 |
| CFO 3Y Avg | 412 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 4.5% |
| Rev Chg 3Y Avg | 5.5% |
| Rev Chg Q | 8.8% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Inc Chg LTM | 0.6% |
| Op Inc Chg 3Y Avg | 11.5% |
| Op Mgn LTM | 11.0% |
| Op Mgn 3Y Avg | 12.7% |
| QoQ Delta Op Mgn LTM | -0.5% |
| CFO/Rev LTM | 13.3% |
| CFO/Rev 3Y Avg | 14.3% |
| FCF/Rev LTM | 7.6% |
| FCF/Rev 3Y Avg | 10.6% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 2.6 |
| P/S | 0.7 |
| P/Op Inc | 5.6 |
| P/EBIT | 6.1 |
| P/E | 8.2 |
| P/CFO | 5.6 |
| Total Yield | 8.7% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | 10.7% |
| D/E | 0.8 |
| Net D/E | 0.1 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -10.9% |
| 3M Rtn | 3.1% |
| 6M Rtn | 0.9% |
| 12M Rtn | -23.2% |
| 3Y Rtn | -31.9% |
| 1M Excs Rtn | -15.0% |
| 3M Excs Rtn | -4.5% |
| 6M Excs Rtn | -10.2% |
| 12M Excs Rtn | -47.1% |
| 3Y Excs Rtn | -109.6% |
Comparison Analyses
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Consumer Money Transfer | 3,798 | 4,005 | 3,994 | 4,394 | 4,220 |
| Consumer Services | 412 | 322 | 285 | 255 | 259 |
| Business Solutions | 30 | 197 | 422 | 356 | |
| Total | 4,210 | 4,357 | 4,476 | 5,071 | 4,835 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Consumer Money Transfer | 737 | 751 | 765 | 978 | 925 |
| Consumer Services | 52 | 92 | 101 | 50 | 55 |
| Severance release | -1 | ||||
| Amortization of acquisition-related intangible assets | -2 | ||||
| Acquisition, separation, and integration costs | -4 | -37 | |||
| Russia termination costs | -15 | ||||
| Redeployment program costs | -41 | -30 | -22 | ||
| Business Solutions | 4 | 58 | 96 | 24 | |
| Business Solutions exit costs | -8 | ||||
| Russia/Belarus exit costs | -10 | ||||
| Total | 726 | 818 | 885 | 1,123 | 967 |
Price Behavior
| Market Price | $8.33 | |
| Market Cap ($ Bil) | 2.6 | |
| First Trading Date | 10/02/2006 | |
| Distance from 52W High | -16.9% | |
| 50 Days | 200 Days | |
| DMA Price | $9.05 | $8.65 |
| DMA Trend | up | down |
| Distance from DMA | -8.0% | -3.7% |
| 3M | 1YR | |
| Volatility | 30.3% | 30.5% |
| Downside Capture | 81.81 | 68.83 |
| Upside Capture | 21.65 | 43.10 |
| Correlation (SPY) | 19.7% | 23.0% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.09 | 0.44 | 0.46 | 0.43 | 0.62 | 0.60 |
| Up Beta | -0.58 | -0.21 | 0.27 | 0.35 | 0.64 | 0.66 |
| Down Beta | -1.30 | 1.53 | 1.10 | 0.48 | 0.76 | 0.60 |
| Up Capture | 68% | 35% | 36% | 40% | 37% | 22% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 14 | 23 | 33 | 62 | 115 | 374 |
| Down Capture | 191% | 52% | 34% | 46% | 70% | 82% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 7 | 19 | 29 | 59 | 126 | 361 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WU | |
|---|---|---|---|---|
| WU | -6.9% | 30.5% | -0.22 | - |
| Sector ETF (XLF) | 0.6% | 14.6% | -0.18 | 36.5% |
| Equity (SPY) | 25.0% | 12.1% | 1.55 | 23.3% |
| Gold (GLD) | 40.0% | 26.8% | 1.23 | -8.1% |
| Commodities (DBC) | 49.4% | 18.5% | 2.03 | -9.0% |
| Real Estate (VNQ) | 9.7% | 13.4% | 0.45 | 15.0% |
| Bitcoin (BTCUSD) | -25.6% | 41.9% | -0.59 | 11.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WU | |
|---|---|---|---|---|
| WU | -13.1% | 28.6% | -0.47 | - |
| Sector ETF (XLF) | 8.7% | 18.6% | 0.35 | 46.9% |
| Equity (SPY) | 14.2% | 17.0% | 0.65 | 40.3% |
| Gold (GLD) | 19.3% | 18.0% | 0.87 | 1.0% |
| Commodities (DBC) | 11.0% | 19.4% | 0.45 | 10.0% |
| Real Estate (VNQ) | 4.0% | 18.8% | 0.11 | 39.8% |
| Bitcoin (BTCUSD) | 9.4% | 55.6% | 0.38 | 14.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WU | |
|---|---|---|---|---|
| WU | -2.7% | 27.4% | -0.06 | - |
| Sector ETF (XLF) | 12.5% | 22.2% | 0.52 | 52.1% |
| Equity (SPY) | 15.3% | 17.9% | 0.73 | 50.4% |
| Gold (GLD) | 13.0% | 16.0% | 0.67 | -1.1% |
| Commodities (DBC) | 8.4% | 17.9% | 0.38 | 17.4% |
| Real Estate (VNQ) | 5.1% | 20.7% | 0.21 | 45.8% |
| Bitcoin (BTCUSD) | 67.2% | 66.9% | 1.06 | 11.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 2/20/2026 | -1.8% | 1.0% | -2.0% |
| 10/23/2025 | 10.2% | 15.7% | 3.4% |
| 7/28/2025 | -4.1% | -4.9% | 1.7% |
| 4/23/2025 | 0.7% | -2.0% | -4.7% |
| 2/4/2025 | 6.1% | -1.2% | 6.6% |
| 10/23/2024 | -3.4% | -6.5% | -6.0% |
| 7/30/2024 | -8.3% | -11.3% | -6.6% |
| 4/24/2024 | -2.2% | -3.7% | -5.9% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 8 | 8 |
| # Negative | 14 | 16 | 16 |
| Median Positive | 1.0% | 2.1% | 7.2% |
| Median Negative | -5.5% | -3.6% | -5.8% |
| Max Positive | 10.2% | 15.7% | 21.4% |
| Max Negative | -12.6% | -11.8% | -18.1% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 04/24/2026 | 10-Q |
| 12/31/2025 | 02/20/2026 | 10-K |
| 09/30/2025 | 10/27/2025 | 10-Q |
| 06/30/2025 | 07/28/2025 | 10-Q |
| 03/31/2025 | 04/23/2025 | 10-Q |
| 12/31/2024 | 02/20/2025 | 10-K |
| 09/30/2024 | 10/23/2024 | 10-Q |
| 06/30/2024 | 07/30/2024 | 10-Q |
| 03/31/2024 | 04/24/2024 | 10-Q |
| 12/31/2023 | 02/22/2024 | 10-K |
| 09/30/2023 | 10/25/2023 | 10-Q |
| 06/30/2023 | 07/26/2023 | 10-Q |
| 03/31/2023 | 05/02/2023 | 10-Q |
| 12/31/2022 | 02/23/2023 | 10-K |
| 09/30/2022 | 11/01/2022 | 10-Q |
| 06/30/2022 | 08/03/2022 | 10-Q |
Recent Forward Guidance [BETA]
Latest: Q1 2026 Earnings Reported 4/24/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Revenue Growth | 5.0% | 6.5% | 8.0% | 0 | 0 | Affirmed | Guidance: 6.5% for 2026 |
| 2026 EPS | 1.5 | 1.55 | 1.6 | 0 | Affirmed | Guidance: 1.55 for 2026 | |
| 2026 Adjusted EPS | 1.75 | 1.8 | 1.85 | 0 | Affirmed | Guidance: 1.8 for 2026 | |
Prior: Q4 2025 Earnings Reported 2/20/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Revenue Growth | 5.0% | 6.5% | 8.0% | Higher New | |||
| 2026 Adjusted Revenue Growth | 6.0% | 7.5% | 9.0% | Higher New | |||
| 2026 EPS | 1.5 | 1.55 | 1.6 | -8.8% | Lower New | Actual: 1.7 for 2025 | |
| 2026 Adjusted EPS | 1.75 | 1.8 | 1.85 | 5.9% | Higher New | Actual: 1.7 for 2025 | |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Adams, Benjamin Carlton | Chief Legal Officer | Direct | Sell | 5042026 | 9.23 | 19,924 | 183,883 | 2,166,001 | Form |
| 2 | Angelini, Giovanni | President Europe, Africa, MEPA | Direct | Sell | 4302026 | 9.47 | 6,000 | 56,850 | 2,949,492 | Form |
| 3 | Angelini, Giovanni | President Europe, Africa, MEPA | Direct | Buy | 11112025 | 8.95 | 10,000 | 89,540 | 1,673,789 | Form |
| 4 | McGranahan, Devin | CEO & President | Direct | Buy | 8252025 | 8.49 | 176,470 | 1,498,054 | 7,751,518 | Form |
| 5 | Cagwin, Matthew | Chief Financial Officer | Direct | Buy | 8202025 | 8.36 | 17,500 | 146,300 | 1,886,111 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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