Tearsheet

Western Union (WU)

Market Price (11/9/2025): $9.12 | Market Cap: $2.9 Bil
Sector: Financials | Industry: Transaction & Payment Processing Services

Western Union (WU)

Market Price (11/9/2025): $9.12
Market Cap: $2.9 Bil
Sector: Financials
Industry: Transaction & Payment Processing Services

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 37%, Dividend Yield is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 33%, FCF Yield is 14%	Weak multi-year price returns 2Y Excs Rtn is -62%, 3Y Excs Rtn is -89%	Weak revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -2.5%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.2%, Rev Chg QQuarterly Revenue Change % is -0.3%
1	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 13%
2	Valuation becoming less expensive P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -27%
3	Low stock price volatility Vol 12M is 32%

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 37%, Dividend Yield is 11%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 33%, FCF Yield is 14%
1	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 13%
2	Valuation becoming less expensive P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -27%
3	Low stock price volatility Vol 12M is 32%
4	Weak multi-year price returns 2Y Excs Rtn is -62%, 3Y Excs Rtn is -89%
5	Weak revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -2.5%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.2%, Rev Chg QQuarterly Revenue Change % is -0.3%

Market Valuation & Key Metrics

	11/9/25	2024	2023	2022	2021
Share Price CYE	$9.12	$9.80	$10.19	$10.86	$13.23
Market Cap CYE ($ Bil)	2.9	3.3	3.7	4.2	5.3
Total Debt ($ Bil)	2.6	3.1	2.7	2.6	3.2
Total Cash ($ Bil)	2.8	3.4	2.7	1.3	2.6
Enterprise Value ($ Bil)	2.7	6.4	6.4	6.8	8.5
Valuation Ratios
P/S TTM	0.7	0.9	1.0	1.2	1.4
P/EBIT TTM	3.9	4.9	5.2	4.8	7.0
P/E TTM	3.8	3.9	7.1	5.9	9.0
Sector Ratios
P/S TTM (Sector)	3.0	3.1	2.8	2.8	3.4
P/EBIT TTM (Sector)	6.3	6.9	7.0	6.7	6.8
P/E TTM (Sector)	11.8	11.6	10.1	9.3	9.9

	11/9/25	2024	2023
Share Price CYE	$9.12	$9.80	$10.19
Market Cap CYE ($ Bil)	2.9	3.3	3.7
Total Debt ($ Bil)	2.6	3.1	2.7
Total Cash ($ Bil)	2.8	3.4	2.7
Enterprise Value ($ Bil)	2.7	6.4	6.4
Valuation Ratios
P/S TTM	0.7	0.9	1.0
P/EBIT TTM	3.9	4.9	5.2
P/E TTM	3.8	3.9	7.1
Sector Ratios
P/S TTM (Sector)	3.0	3.1	2.8
P/EBIT TTM (Sector)	6.3	6.9	7.0
P/E TTM (Sector)	11.8	11.6	10.1

	WU	S&P 500
REVENUE GROWTH	VERY POOR
Rev LTM ($ Bil)	4.1
Rev Chg Q	-0.3%	7.1%
Rev Chg LTM	-2.5%	6.1%
Rev Chg 3Y Avg	-4.2%	5.5%
PROFITABILITY	FAIR
Op Inc LTM ($ Bil)	0.8
CFO LTM ($ Bil)	0.5
Net Inc LTM ($ Bil)	0.8
Op Mgn LTM	18.3%	18.8%
CFO/Rev LTM	13.2%	20.5%
Net Inc Mgn	18.8%	13.1%
VALUATION	VERY LOW
P/S	0.7	3.2
P/CFO	5.4	15.2
P/FCF	7.3	20.0
P/E	3.8	23.5
STABILITY	GOOD
Debt/Equity	0.88	0.21
Cash/Assets	0.36	0.07

AI Generated Analysis | Feedback

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WU Stock

Return (1M):

Factor Drivers of Stock Movement

The 16.4% change in WU stock from 8/9/2025 to 11/8/2025 was primarily driven by a 32.6% change in the company's P/E Multiple.

	8092025	11082025	Change
Stock Price ($)	7.81	9.10	16.45%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	4103.90	4100.50	-0.08%
Net Income Margin (%)	21.84%	18.80%	-13.90%
P/E Multiple	2.87	3.80	32.56%
Shares Outstanding (Mil)	328.90	322.10	2.07%
Cumulative Contribution			16.40%

LTM = Last Twelve Months as of date shown

The -1.4% change in WU stock from 5/10/2025 to 11/8/2025 was primarily driven by a -14.9% change in the company's Net Income Margin (%).

	5102025	11082025	Change
Stock Price ($)	9.23	9.10	-1.39%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	4144.20	4100.50	-1.05%
Net Income Margin (%)	22.08%	18.80%	-14.85%
P/E Multiple	3.41	3.80	11.64%
Shares Outstanding (Mil)	337.70	322.10	4.62%
Cumulative Contribution			-1.60%

LTM = Last Twelve Months as of date shown

The -6.0% change in WU stock from 11/8/2024 to 11/8/2025 was primarily driven by a -21.5% change in the company's P/E Multiple.

	11082024	11082025	Change
Stock Price ($)	9.68	9.10	-5.97%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	4203.80	4100.50	-2.46%
Net Income Margin (%)	16.07%	18.80%	17.00%
P/E Multiple	4.85	3.80	-21.55%
Shares Outstanding (Mil)	338.30	322.10	4.79%
Cumulative Contribution			-6.18%

LTM = Last Twelve Months as of date shown

The -7.4% change in WU stock from 11/9/2022 to 11/8/2025 was primarily driven by a -16.9% change in the company's P/E Multiple.

	11092022	11082025	Change
Stock Price ($)	9.83	9.10	-7.43%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	4668.40	4100.50	-12.16%
Net Income Margin (%)	17.78%	18.80%	5.74%
P/E Multiple	4.58	3.80	-16.94%
Shares Outstanding (Mil)	386.50	322.10	16.66%
Cumulative Contribution			-10.00%

LTM = Last Twelve Months as of date shown

Why The Stock Moved

AI Generated Analysis | Feedback

Here are the key points explaining the 16.3% movement in Western Union (WU) stock from approximately July 31, 2025, to November 8, 2025:

1. Strong Third Quarter 2025 Earnings Surpass Analyst Expectations. Western Union reported its third-quarter 2025 financial results on October 23, 2025, with adjusted earnings per share (EPS) of $0.47, exceeding the consensus analyst estimate of $0.43. Despite reported revenue being flat year-over-year at $1.03 billion, it still topped market expectations of $1.02 billion. The company also saw an improvement in its adjusted operating margin, reaching 20% compared to 19% in the prior year period, benefiting from improved cost efficiencies.

2. Introduction of "Beyond" Strategy and Positive Medium-Term Financial Outlook. On November 6, 2025, Western Union hosted an Investor Day where it unveiled its "Beyond" strategy and provided a positive medium-term financial outlook. The company projected a 20% increase in revenue to approximately $5 billion and a 30% growth in adjusted EPS by 2028. This strategy emphasizes a digital-first approach aimed at expanding its financial services network globally and moving beyond traditional consumer remittances.

3. Launch of USDPT Stablecoin and Digital Asset Network. Western Union announced its plan to launch a U.S. Dollar Payment Token (USDPT) stablecoin, issued by Anchorage Digital Bank on Solana, along with an innovative Digital Asset Network. This initiative is designed to bridge traditional and digital finance, offering faster, more efficient, and more inclusive cross-border payments by leveraging blockchain technology. This strategic move is seen as a significant modernization effort for the company's global operations.

4. Robust Performance in Branded Digital and Consumer Services Segments. The third-quarter 2025 results highlighted strong growth in key strategic areas. Branded Digital revenue increased by 7% on a reported basis (6% adjusted), with a 12% rise in transactions. The Consumer Services segment also demonstrated significant growth, with revenue up 49% on both reported and adjusted bases, driven by factors such as the acquisition of Euro Change and a strong European travel quarter for its travel money business. This performance indicates successful diversification and momentum in digital offerings.

5. Perceived Undervaluation and Attractive Dividend Yield. Western Union was noted as trading at a significant discount to its fair value, with Morningstar estimating it at a 45% discount to its fair value of $17 per share as of November 4, 2025. The company was also identified as a top-performing dividend stock in October 2025, offering a forward dividend yield of 10.08%. The combination of an appealing dividend and perceived undervaluation likely attracted investors during this period.

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Return vs. Risk

Price Returns Compared

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
WU Return	-15%	-15%	-18%	-6%	-4%	-7%	-50%
Peers Return	30%	2%	-16%	19%	40%	-11%	66%
S&P 500 Return	16%	27%	-19%	24%	23%	14%	108%
Monthly Win Rates [3]
WU Win Rate	50%	50%	50%	67%	42%	30%
Peers Win Rate	57%	55%	40%	60%	67%	50%
S&P 500 Win Rate	58%	75%	42%	67%	75%	70%
Max Drawdowns [4]
WU Max Drawdown	-34%	-26%	-27%	-25%	-6%	-21%
Peers Max Drawdown	-32%	-14%	-27%	-7%	-3%	-27%
S&P 500 Max Drawdown	-31%	-1%	-25%	-1%	-2%	-15%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: V, MA, AXP, PYPL, FI. 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] 2025 data is for the year up to 11/7/2025 (YTD)

How Low Can It Go

Unique Key	Event	WU	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-60.8%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	155.2%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	Not Fully Recovered days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-37.8%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	60.8%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	Not Fully Recovered days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-26.7%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	36.4%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	255 days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-63.2%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	171.8%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	Not Fully Recovered days	1480 days

Compare to V, MA, AXP, PYPL, FI

In The Past

Western Union's stock fell -60.8% during the 2022 Inflation Shock from a high on 4/29/2021. A -60.8% loss requires a 155.2% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Western Union (WU)

The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents and sub-agents; and offers international cross-border transfers and intra-country transfers, as well as money transfer transactions through websites and mobile devices. The Business Solutions segment provides payment and foreign exchange solutions, primarily cross-border and cross-currency transactions for small and medium size enterprises, other organizations, and individuals; and foreign currency forward and option contracts. It also offers bill payment services that facilitates payments from consumers to businesses and other organizations, as well as offers money order and other services. The company was founded in 1851 and is headquartered in Denver, Colorado.

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Better Bets than Western Union (WU)

	WU	Better Performance than WU
Metric	Value	Industry (Transaction & Payment Processi)
Rev Chg LTM	-2.5%	MA (14.6%), V (11.3%), PYPL (4.5%), XYZ (0.5%), FI (6.7%)
Rev Chg 3Y Avg	-4.2%	MA (13.2%), V (10.9%), PYPL (6.7%), XYZ (12.6%), FI (7.5%)
Op Mgn LTM	18.3%	MA (58.3%), V (66.4%), PYPL (19.2%), FI (30.0%), CPAY (43.9%)
CFO/Rev LTM	13.2%	MA (56.1%), V (57.6%), PYPL (19.6%), FI (32.1%), FIS (25.2%)
FCF/Rev LTM	9.8%	MA (52.5%), V (53.9%), PYPL (16.9%), FI (24.4%), FIS (17.0%)
Total Yield	37.0%

	WU	Better Performance than WU
Metric	Value	Sector (Financials)
Rev Chg LTM	-2.5%	JPM (8.6%), MA (14.6%), V (11.3%), BAC (8.9%), WFC (0.2%)
Rev Chg 3Y Avg	-4.2%	BRK-B (19.8%), JPM (13.4%), MA (13.2%), V (10.9%), BAC (5.2%)
Op Mgn LTM	18.3%	MA (58.3%), V (66.4%), BLK (33.7%), SPGI (40.2%), HOOD (47.7%)
CFO/Rev LTM	13.2%	MA (56.1%), V (57.6%), BAC (57.3%), AXP (30.0%), GS (30.5%)
FCF/Rev LTM	9.8%	MA (52.5%), V (53.9%), BAC (57.3%), AXP (26.9%), GS (26.9%)
Total Yield	37.0%	XP (70.8%), NREF (45.5%), EHTH (40.3%), BTM (42.1%), SRL (118.5%)

	WU	Better Performance than WU
Metric	Value	All Other Sectors
Rev Chg LTM	-2.5%	NVDA (71.6%), AAPL (6.0%), MSFT (15.6%), GOOGL (13.4%), AMZN (10.9%)
Rev Chg 3Y Avg	-4.2%	NVDA (92.0%), AAPL (1.8%), MSFT (13.2%), GOOGL (11.0%), AMZN (11.3%)
Op Mgn LTM	18.3%	NVDA (58.1%), AAPL (31.9%), MSFT (46.3%), GOOGL (32.2%), AVGO (39.0%)
CFO/Rev LTM	13.2%	NVDA (46.6%), AAPL (26.6%), MSFT (50.0%), GOOGL (39.3%), AMZN (18.1%)
FCF/Rev LTM	9.8%	NVDA (43.6%), AAPL (23.5%), MSFT (26.6%), GOOGL (19.1%), AVGO (41.6%)
Total Yield	37.0%	BABA (37.9%), TM (2207.0%), BIDU (65.1%), HMC (2433.3%), JBS (94.5%)

		Best Bets In Financials Sector
	WU	CME	KNSL	MTG	NMIH	CACC	ENVA	FNF	TW	PLMR	ACGL
What You Pay
P/E	3.8	26.4	19.5	8.5	7.4	10.5	10.6	14.4	37.0	19.4	8.1
P/EBIT	3.9	19.8	15.2	6.5	5.5	8.3	8.2	9.2	25.0	15.1	7.1
What You Get
Rev Chg Q	-0.3%	-3.0%	19.0%	-0.7%	7.6%	6.0%	16.3%	16.8%	13.3%	64.9%	11.0%
Rev Chg LTM	-2.5%	5.8%	18.1%	2.2%	8.9%	10.2%	21.1%	7.4%	22.2%	54.1%	17.5%
Rev Chg 3Y Avg	-4.2%	8.9%	32.4%	1.2%	10.3%	7.6%	23.5%	-0.7%	19.7%	36.5%	28.9%
FCF/Rev 3Y Avg	9.6%	61.9%	60.8%	62.2%	58.4%	55.6%	54.7%	50.8%	49.8%	43.9%	38.2%

[1] Choosing top 10 best bets from each sector quarterly is an alpha producing strategy vs sector benchmark
[2] Historical annualized return of 21%, alpha of 9.1%, and sharpe of 0.94

Latest Trefis Analyses

	Title	Topic	Date
0	DASHBOARDS
1	Western Union Earnings Notes
2	Western Union Stock Rallied 15% - Have You Assessed the Risk	Return
3	Western Union vs Interactive Brokers: Which Is A Better Investment?	Counter-Intuitive Comparisons
4	Better Bet Than WU Stock: Pay Less Than Western Union To Get More From CHTR, IBKR
5	Better Bet Than WU Stock: Pay Less Than Western Union To Get More From IBKR, JEF
6	Western Union (WU) Net Income Comparison	Financials
7	Western Union (WU) Debt Comparison	Financials
8	Western Union (WU) EBITDA Comparison	Financials
9	Western Union (WU) Operating Cash Flow Comparison	Financials
10	Western Union (WU) Tax Expense Comparison	Financials
11	ARTICLES
12	Stocks Trading At 52-Week Low		July 19th, 2025
13	Stocks Trading At 52-Week Low		July 18th, 2025

	Title
0	DASHBOARDS
1	Western Union Earnings Notes
2	Western Union Stock Rallied 15% - Have You Assessed the Risk
3	Western Union vs Interactive Brokers: Which Is A Better Investment?
4	Better Bet Than WU Stock: Pay Less Than Western Union To Get More From CHTR, IBKR
5	Better Bet Than WU Stock: Pay Less Than Western Union To Get More From IBKR, JEF
6	Western Union (WU) Net Income Comparison
7	Western Union (WU) Debt Comparison
8	Western Union (WU) EBITDA Comparison
9	Western Union (WU) Operating Cash Flow Comparison
10	Western Union (WU) Tax Expense Comparison
11	ARTICLES
12	Stocks Trading At 52-Week Low
13	Stocks Trading At 52-Week Low

Trade Ideas

Select past ideas related to WU. For more, see Trefis Trade Ideas.

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
BRO_10312025_Dip_Buyer_FCFYield	10312025	BRO	Brown & Brown	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-1.5%	-1.5%	-4.2%
CPAY_10312025_Dip_Buyer_FCFYield	10312025	CPAY	Corpay	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	6.2%	6.2%	0.0%
EEFT_10312025_Dip_Buyer_FCFYield	10312025	EEFT	Euronet Worldwide	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-4.7%		-4.9%
GPN_10312025_Dip_Buyer_FCFYield	10312025	GPN	Global Payments	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-2.2%	-2.2%	-2.2%
APO_10102025_Dip_Buyer_FCFYield	10102025	APO	Apollo Asset Management	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	12.0%	12.0%	0.0%
WU_10312023_Dip_Buyer_FCFYield	10312023	WU	Western Union	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	23.5%	3.2%	0.0%
WU_4302022_Dip_Buyer_FCFYield	04302022	WU	Western Union	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-14.4%	-30.1%	-35.3%

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
BRO_10312025_Dip_Buyer_FCFYield	10312025	BRO	Brown & Brown	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-1.5%	-1.5%	-4.2%
CPAY_10312025_Dip_Buyer_FCFYield	10312025	CPAY	Corpay	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	6.2%	6.2%	0.0%
EEFT_10312025_Dip_Buyer_FCFYield	10312025	EEFT	Euronet Worldwide	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-4.7%		-4.9%
GPN_10312025_Dip_Buyer_FCFYield	10312025	GPN	Global Payments	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-2.2%	-2.2%	-2.2%
APO_10102025_Dip_Buyer_FCFYield	10102025	APO	Apollo Asset Management	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	12.0%	12.0%	0.0%
WU_10312023_Dip_Buyer_FCFYield	10312023	WU	Western Union	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	23.5%	3.2%	0.0%
WU_4302022_Dip_Buyer_FCFYield	04302022	WU	Western Union	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-14.4%	-30.1%	-35.3%

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FSLY	Fastly	1.7	39.4%	22.5%
GMED	Globus Medical	11.3	38.9%	1.4%
CSIQ	Canadian Solar	1.9	37.1%	156.0%
HAE	Haemonetics	3.3	36.7%	-12.4%
ESTA	Establishment Labs	1.9	35.6%	41.1%
APPN	Appian	3.0	34.6%	22.2%
XMTR	Xometry	3.3	33.1%	51.9%
ORGO	Organogenesis	0.7	32.5%	75.9%

1 Week Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
QURE	uniQure	1.5	-58.9%
ASPN	Aspen Aerogels	0.3	-52.6%	-67.5%
BHVN	Biohaven	0.8	-52.0%	-77.9%
DD	DuPont de Nemours	16.7	-51.3%	-46.9%
SOC	Sable Offshore	0.5	-48.9%	-76.7%
BLZE	Backblaze	0.3	-43.7%	-3.7%
CCOI	Cogent Communications	1.1	-43.1%	-67.5%
NVTS	Navitas Semiconductor	1.6	-41.8%
AIRS	AirSculpt Technologies	0.4	-41.2%	17.9%
ACVA	ACV Auctions	0.9	-40.5%	-75.0%

1 Month Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
PRAX	Praxis Precision Medicines	3.6	207.2%	118.6%
INBX	Inhibrx Biosciences	1.2	130.5%	424.0%
VTYX	Ventyx Biosciences	0.6	127.2%	300.5%
TERN	Terns Pharmaceuticals	1.7	117.3%	233.4%
PUMP	ProPetro	1.1	95.6%	15.1%
SNDK	SanDisk	34.7	84.7%
REPL	Replimune	0.8	79.5%	-31.4%
CSIQ	Canadian Solar	1.9	78.3%	156.0%
VICR	Vicor	3.9	66.2%	80.9%
ESTA	Establishment Labs	1.9	62.0%	41.1%

1 Month Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
SOC	Sable Offshore	0.5	-72.8%	-76.7%
NTLA	Intellia Therapeutics	1.0	-62.6%
QURE	uniQure	1.5	-56.3%	57.4%
FMC	FMC	1.8	-53.2%	-69.9%
BHVN	Biohaven	0.8	-52.1%	-77.9%
ASPN	Aspen Aerogels	0.3	-51.4%	-67.5%
LRN	Stride	3.1	-50.3%	-30.7%
FI	Fiserv	35.1	-49.4%	-69.0%
WOLF	Wolfspeed	2.8	-49.3%
ELF	e.l.f. Beauty	4.2	-49.1%	-41.3%

Recent Active Movers

1 Day Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
ORGO	Organogenesis	0.7	44.7%	75.9%
GMED	Globus Medical	11.3	35.9%	1.4%
KODK	Eastman Kodak	0.6	33.2%	18.6%
GCT	GigaCloud Technology	1.3	30.0%	78.8%
FROG	JFrog	6.9	27.0%	104.0%
PGNY	Progyny	1.9	24.2%	29.7%
TNDM	Tandem Diabetes Care	1.1	22.0%	-54.9%
OS	OneStream	4.1	19.2%	-20.3%
FLGT	Fulgent Genetics	0.8	18.2%
UAMY	United States Antimony	1.0	17.8%	370.1%

1 Day Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
AIRS	AirSculpt Technologies	0.4	-41.7%	17.9%
FOXF	Fox Factory	0.7	-25.5%
ASTH	Astrana Health	1.3	-23.5%	-19.0%
CERT	Certara	1.4	-23.1%	-18.6%
NTLA	Intellia Therapeutics	1.0	-22.7%	-18.4%
DNA	Ginkgo Bioworks	0.5	-20.8%	-8.9%
SIGA	SIGA Technologies	0.5	-20.0%	20.2%
UI	Ubiquiti	37.0	-19.4%
EVCM	EverCommerce	1.7	-19.3%	-15.1%
PSIX	Power Solutions International	1.5	-19.1%	120.8%

1 Week Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
TERN	Terns Pharmaceuticals	1.7	123.6%	233.4%
GDEN	Golden Entertainment	0.8	44.7%	-4.9%
FSLY	Fastly	1.7	39.4%	22.5%
GMED	Globus Medical	11.3	38.9%	1.4%
CSIQ	Canadian Solar	1.9	37.1%	156.0%
HAE	Haemonetics	3.3	36.7%	-12.4%
ESTA	Establishment Labs	1.9	35.6%	41.1%
APPN	Appian	3.0	34.6%	22.2%
XMTR	Xometry	3.3	33.1%	51.9%
ORGO	Organogenesis	0.7	32.5%	75.9%

1 Week Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
QURE	uniQure	1.5	-58.9%
ASPN	Aspen Aerogels	0.3	-52.6%	-67.5%
BHVN	Biohaven	0.8	-52.0%	-77.9%
DD	DuPont de Nemours	16.7	-51.3%	-46.9%
SOC	Sable Offshore	0.5	-48.9%	-76.7%
BLZE	Backblaze	0.3	-43.7%	-3.7%
CCOI	Cogent Communications	1.1	-43.1%	-67.5%
NVTS	Navitas Semiconductor	1.6	-41.8%
AIRS	AirSculpt Technologies	0.4	-41.2%	17.9%
ACVA	ACV Auctions	0.9	-40.5%	-75.0%

Peer Comparisons for Western Union

Financials

	WU	V	MA	AXP	PYPL	FI	Median
Name	Western .	Visa	Masterca.	American.	PayPal	Fiserv
Mkt Price	9.10	336.02	551.97	368.54	66.22	63.70	201.12
Mkt Cap	2.9	434.8	501.2	255.0	62.9	35.1	159.0
Rev LTM	4,100	40,000	30,241	70,428	32,862	21,112	31,552
Op Inc LTM	750	26,556	17,645	-	6,296	6,344	6,344
FCF LTM	403	21,577	15,867	18,944	5,565	5,157	10,716
FCF 3Y Avg	406	19,989	12,412	16,904	5,265	4,129	8,838
CFO LTM	542	23,059	16,953	21,139	6,426	6,772	11,862
CFO 3Y Avg	552	21,255	13,566	18,801	5,972	5,640	9,769

Growth & Margins

	WU	V	MA	AXP	PYPL	FI	Median
Name	Western .	Visa	Masterca.	American.	PayPal	Fiserv
Rev Chg LTM	-2.5%	11.3%	14.6%	9.1%	4.5%	6.7%	7.9%
Rev Chg 3Y Avg	-4.2%	10.9%	13.2%	11.6%	6.7%	7.5%	9.2%
Rev Chg Q	-0.3%	11.5%	16.8%	10.8%	7.3%	8.0%	9.4%
QoQ Delta Rev Chg LTM	-0.1%	2.8%	4.0%	2.6%	1.8%	2.0%	2.3%
Op Mgn LTM	18.3%	66.4%	58.3%	-	19.2%	30.0%	30.0%
Op Mgn 3Y Avg	17.8%	66.8%	58.2%	-	17.9%	26.7%	26.7%
QoQ Delta Op Mgn LTM	0.9%	-0.1%	0.3%	-	0.1%	0.7%	0.3%
CFO/Rev LTM	13.2%	57.6%	56.1%	30.0%	19.6%	32.1%	31.0%
CFO/Rev 3Y Avg	13.0%	58.9%	50.4%	29.2%	19.0%	28.4%	28.8%
FCF/Rev LTM	9.8%	53.9%	52.5%	26.9%	16.9%	24.4%	25.7%
FCF/Rev 3Y Avg	9.6%	55.4%	46.0%	26.3%	16.8%	20.7%	23.5%

Valuation

	WU	V	MA	AXP	PYPL	FI	Median
Name	Western .	Visa	Masterca.	American.	PayPal	Fiserv
Mkt Cap	2.9	434.8	501.2	255.0	62.9	35.1	159.0
P/S	0.7	10.9	16.6	3.6	1.9	1.7	2.8
P/EBIT	3.9	17.5	29.2	-	9.7	5.7	9.7
P/E	3.8	21.7	36.9	24.2	12.8	10.4	17.2
P/CFO	5.4	18.9	29.6	12.1	9.8	5.2	10.9
Total Yield	37.0%	5.4%	2.7%	4.1%	7.8%	9.6%	6.6%
Dividend Yield	10.7%	0.8%	0.0%	0.0%	0.0%	0.0%	0.0%
FCF Yield 3Y Avg	11.3%	4.6%	2.7%	10.7%	7.5%	5.3%	6.4%
D/E	0.9	0.1	0.0	0.2	0.2	0.8	0.2
Net D/E	-0.1	0.0	0.0	0.0	0.0	0.8	0.0

Returns

	WU	V	MA	AXP	PYPL	FI	Median
Name	Western .	Visa	Masterca.	American.	PayPal	Fiserv
1M Rtn	12.8%	-3.2%	-2.2%	13.6%	-12.6%	-49.4%	-2.7%
3M Rtn	16.4%	-0.2%	-3.8%	24.2%	-2.1%	-52.2%	-1.2%
6M Rtn	-1.4%	-4.4%	-2.7%	30.2%	-5.8%	-65.4%	-3.5%
12M Rtn	-6.0%	9.9%	5.8%	29.5%	-20.2%	-69.8%	-0.1%
3Y Rtn	-7.4%	77.3%	78.0%	162.3%	-15.8%	-33.8%	34.9%
1M Excs Rtn	12.9%	-3.1%	-2.1%	13.7%	-12.5%	-49.3%	-2.6%
3M Excs Rtn	7.9%	-5.5%	-9.2%	19.1%	-6.9%	-57.4%	-6.2%
6M Excs Rtn	-20.3%	-23.2%	-21.6%	11.3%	-24.6%	-84.3%	-22.4%
12M Excs Rtn	-24.8%	-1.0%	-6.6%	18.6%	-32.8%	-85.0%	-15.7%
3Y Excs Rtn	-89.0%	-7.5%	-3.3%	87.6%	-95.6%	-115.6%	-48.2%

Comparison Analyses

	Title
0	The Western Union Company vs. PayPal: With Return Forecast Of 38%-38%, Both Seem Like Good Bets
1	Why V With 27% Upside May Beat WU?
2	The Western Union Company vs. lululemon athletica: With Return Forecast Of 40%, lululemon athletica Is A Better Bet
3	The Western Union Company vs. Roper Technologies: Both Seem Similar Bets
4	The Western Union Company vs. Synopsys: Both Seem Similar Bets
5	The Western Union Company vs. Lattice Semiconductor: Similar Market Cap, But The Western Union Company Is A Better Bet
6	The Western Union Company vs. Manhattan Associates: Similar Market Cap, But The Western Union Company Is A Better Bet
7	The Western Union Company vs. Jazz Pharmaceuticals: Similar Market Cap, But Jazz Pharmaceuticals Is A Better Bet
8	The Western Union Company vs. Mastercard: Industry Competitors, But Mastercard Is A Better Bet
9	The Western Union Company vs New York Times: Similar Market Cap; Which Stock Is A Better Bet?

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	9/30/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	10/27/2025	2/20/2025	2/22/2024	2/23/2023	2/24/2022	2/19/2021	2/20/2020
Key Financials
Total Revenue	4,100	4,210	4,357	4,476	5,071	4,835	5,292
EBITDA	926	918	1,035	1,293	1,249	1,199	1,731
Operating Income	750	726	818	885	1,123	967	934
Net Income	771	934	626	911	806	744	1,058
EPS	2.31	2.75	1.69	2.35	1.98	1.81	2.47
Growth Rates
Total Revenue Growth	-2.5%	-3.4%	-2.6%	-11.7%	4.9%	-8.6%	-5.3%
EBITDA Growth	1.6%	-11.3%	-20.0%	3.5%	4.2%	-30.7%	23.1%
Operating Income Growth	6.1%	-11.2%	-7.6%	-21.2%	16.1%	3.6%	-16.8%
Net Income Growth	14.1%	49.2%	-31.3%	13.0%	8.3%	-29.7%	24.2%
Margins
EBITDA Margin	22.6%	21.8%	23.7%	28.9%	24.6%	24.8%	32.7%
Operating Income Margin	18.3%	17.2%	18.8%	19.8%	22.1%	20.0%	17.6%
Net Income Margin	18.8%	22.2%	14.4%	20.3%	15.9%	15.4%	20.0%
Cash & Debt
Total Cash	2,822	3,438	2,727	1,286	2,607	4,114	3,517
Total Debt	2,592	3,132	2,667	2,617	3,211	3,302	3,472
Net Debt / (Cash)	-230	-306	-60	1,331	604	-812	-46
Cash Flows
Net Cash from Operations	542	406	783	582	1,045	878	915
Free Cash from Operations	403	276	635	373	831	721	787
Returns to Shareholders
Dividends	314	322	349	364	382	370	341
Share Repurchases	212	186	308	370	410	240	553

$ Mil \| FY: 12/31	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4
Period End	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022
Filing Date	10/27/2025	7/28/2025	4/23/2025	2/20/2025	10/23/2024	7/30/2024	4/24/2024	2/22/2024	10/25/2023	7/26/2023	5/2/2023	2/23/2023
Key Financials Quarterly
Total Revenue	1,033	1,026	984	1,058	1,036	1,066	1,049	1,052	1,098	1,170	1,037	1,092
Ebitda	246	237	222	222	211	242	243	216	277	289	253	289
Operating Income	202	193	177	178	165	191	192	159	211	243	205	152
Net Income	140	122	124	386	265	141	143	127	171	176	152	249
EPS	0.43	0.37	0.37	1.14	0.78	0.42	0.41	0.35	0.46	0.47	0.41	0.65
Key Financials TTM
Total Revenue TTM	4,100	4,104	4,144	4,210	4,204	4,266	4,369	4,357	4,397	4,388	4,357	4,476
Ebitda TTM	926	891	897	918	912	978	1,025	1,035	1,108	1,095	1,112	1,293
Operating Income TTM	750	713	711	726	707	753	805	818	810	831	852	885
Net Income TTM	771	896	915	934	676	582	617	626	748	751	769	911
Growth Rates Quarterly
Total Revenue Growth	-0.3%	-3.8%	-6.2%	0.6%	-5.6%	-8.9%	1.2%	-3.6%	0.8%	2.8%	-10.3%	-15.0%
EBITDA Growth	16.6%	-2.4%	-8.6%	2.8%	-23.9%	-16.2%	-3.9%	-25.4%	5.2%	-5.7%	-41.8%	13.5%
Operating Income Growth	22.4%	1.0%	-7.7%	11.8%	-21.8%	-21.4%	-6.2%	5.1%	-9.0%	-8.1%	-13.8%	-52.1%
Net Income Growth	-47.3%	-13.4%	-13.5%	203.7%	54.9%	-20.0%	-6.0%	-49.1%	-1.7%	-9.2%	-48.2%	47.7%
Margins Quarterly
EBITDA Margin	23.8%	23.1%	22.5%	20.9%	20.4%	22.7%	23.1%	20.5%	25.3%	24.7%	24.4%	26.5%
Operating Income Margin	19.6%	18.8%	18.0%	16.8%	15.9%	17.9%	18.3%	15.1%	19.2%	20.7%	19.7%	13.9%
Net Income Margin	13.5%	11.9%	12.6%	36.4%	25.6%	13.2%	13.6%	12.1%	15.6%	15.1%	14.6%	22.8%
Cash & Debt
Total Cash	2,822	2,857	2,887	3,438	2,937	2,904	2,922	2,727	1,138	1,586	1,229	1,286
Total Debt	2,592	2,749	2,791	3,132	2,587	2,636	2,540	2,667	2,309	2,813	2,463	2,617
Net Debt / (Cash)	-230	-108	-95	-306	-350	-269	-382	-60	1,171	1,227	1,234	1,331
Cash Flows Quarterly
FCF from Operations	260	-0	148	134	212	-34	94	264	255	127	137	59
Cash Flows TTM
FCF from Operations TTM	542	494	460	406	537	579	740	783	578	539	519	582
Returns to Shareholders Quarterly
Dividends	76	77	82	80	80	82	80	83	87	91	88	89
Share Repurchases	52	80	77	4	2	30	151	211	91	1	5	177
Return on Invested Capital (ROIC) Quarterly
ROIC	93.4%	72.7%	70.2%	113.5%	115.4%	104.4%	128.6%	69.5%	35.1%	38.3%	33.0%	28.0%
Return on Invested Capital (ROIC) TTM
ROIC TTM	104.2%	88.0%	83.9%	115.6%	123.7%	102.8%	134.8%	84.9%	36.8%	37.4%	38.0%	36.9%

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
Consumer Money Transfer	4,005	3,994	4,394	4,220	4,408
Consumer Services	322	285	255	259	496
Business Solutions	30	197	422	356	389
Total	4,357	4,476	5,071	4,835	5,292

Operating Income by Segment

$ Mil	2024	2023	2022	2021	2020
Consumer Money Transfer	751	765	978	925	975
Consumer Services	92	101	50	55	27
Business Solutions	4	58	96	24	47
Redeployment program costs	-30	-22
Business Solutions exit costs		-8
Russia/Belarus exit costs		-10
Acquisition, separation, and integration costs				-37	-116
Total	818	885	1,123	967	934

Price Behavior

Price Behavior

Market Price	$9.10
Market Cap ($ Bil)	2.9
First Trading Date	10/02/2006
Distance from 52W High	-15.3%
	50 Days	200 Days
DMA Price	$8.43	$8.89
DMA Trend	down	up
Distance from DMA	8.0%	2.4%
	3M	1YR
Volatility	34.5%	31.9%
Downside Capture	-31.17	66.38
Upside Capture	59.18	51.52
Correlation (SPY)	16.8%	43.4%

WU Betas & Captures as of 10/31/2025

	1M	2M	3M	6M	1Y	3Y
Beta	0.98	0.78	0.78	0.93	0.70	0.69
Up Beta	0.47	1.00	1.24	0.87	0.84	0.75
Down Beta	0.90	0.72	0.89	1.25	0.61	0.69
Up Capture	218%	99%	91%	60%	41%	23%
Bmk +ve Days	14	27	37	74	145	425
Stock +ve Days	11	20	32	53	110	372
Down Capture	27%	46%	14%	109%	78%	91%
Bmk -ve Days	9	17	28	53	106	327
Stock -ve Days	11	22	30	67	134	363

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

1Y 5Y 10Y

Based On 1-Year Data

		Comparison of WU With Other Asset Classes (Last 1Y)
	WU	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	-7.6%	15.3%	18.9%	45.7%	0.7%	-1.3%	52.4%
Annualized Volatility	31.8%	20.1%	19.6%	19.9%	16.1%	18.0%	37.2%
Sharpe Ratio	-0.23	0.60	0.76	1.78	-0.14	-0.22	0.88
Correlation With Other Assets		42.0%	42.3%	-3.4%	8.0%	40.4%	11.3%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data

		Comparison of WU With Other Asset Classes (Last 5Y)
	WU	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	-7.8%	19.2%	17.1%	15.9%	13.8%	7.2%	49.7%
Annualized Volatility	28.4%	19.4%	17.1%	15.6%	18.9%	19.1%	49.3%
Sharpe Ratio	-0.26	0.84	0.81	0.82	0.61	0.29	0.76
Correlation With Other Assets		47.9%	42.1%	0.8%	12.7%	42.5%	15.1%

Based On 10-Year Data

		Comparison of WU With Other Asset Classes (Last 10Y)
	WU	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	-2.1%	12.5%	14.3%	12.9%	5.1%	5.3%	77.8%
Annualized Volatility	27.2%	22.4%	18.0%	14.7%	17.7%	20.9%	56.2%
Sharpe Ratio	-0.04	0.52	0.69	0.72	0.22	0.23	0.96
Correlation With Other Assets		53.7%	53.0%	-1.9%	20.3%	47.1%	10.7%

Short Interest

Short Interest: As Of Date	10152025
Short Interest: Shares Quantity	45,995,772
Short Interest: % Change Since 9302025	7.3%
Average Daily Volume	13,220,323
Days-to-Cover Short Interest	3.48
Basic Shares Quantity	322,100,000
Short % of Basic Shares	14.3%

Returns Analyses

	Title
0	Western Union Stock Rallied 15% - Have You Assessed the Risk
1	Western Union Stock Return Comparison

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
10/23/2025	10.2%	15.7%
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%
2/6/2024	-5.6%	0.6%	12.4%
...
SUMMARY STATS
# Positive	11	8	8
# Negative	14	17	17
Median Positive	1.3%	4.8%	7.7%
Median Negative	-5.6%	-3.7%	-5.9%
Max Positive	10.2%	15.7%	21.4%
Max Negative	-12.6%	-11.8%	-26.8%

	Forward Returns
10/23/2025	10.2%	15.7%
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%
2/6/2024	-5.6%	0.6%	12.4%
10/25/2023	-9.7%	-11.8%	-6.7%
7/26/2023	-0.8%	-3.6%	-4.2%
5/2/2023	9.8%	15.5%	8.8%
2/7/2023	0.7%	1.8%	-18.1%
10/19/2022	-5.7%	-2.0%	-2.2%
8/3/2022	-5.6%	-4.1%	-14.6%
4/28/2022	-12.6%	-9.4%	-6.2%
2/10/2022	5.1%	7.2%	-5.7%
11/2/2021	1.3%	-1.2%	-6.1%
8/4/2021	0.6%	2.3%	-2.0%
5/4/2021	-3.4%	-1.4%	-2.9%
2/10/2021	0.4%	0.1%	5.2%
10/29/2020	-7.0%	-0.1%	7.9%
8/4/2020	-5.4%	-4.0%	-0.9%
5/5/2020	0.6%	-2.5%	21.4%
2/11/2020	-7.5%	-7.2%	-26.8%
10/31/2019	5.7%	11.2%	7.4%
SUMMARY STATS
# Positive	11	8	8
# Negative	14	17	17
Median Positive	1.3%	4.8%	7.7%
Median Negative	-5.6%	-3.7%	-5.9%
Max Positive	10.2%	15.7%	21.4%
Max Negative	-12.6%	-11.8%	-26.8%

SEC Filings

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Report Date	Filing Date	Filing
9302025	10272025	10-Q 9/30/2025
6302025	7282025	10-Q 6/30/2025
3312025	4232025	10-Q 3/31/2025
12312024	2202025	10-K 12/31/2024
9302024	10232024	10-Q 9/30/2024
6302024	7302024	10-Q 6/30/2024
3312024	4242024	10-Q 3/31/2024
12312023	2222024	10-K 12/31/2023
9302023	10252023	10-Q 9/30/2023
6302023	7262023	10-Q 6/30/2023
3312023	5022023	10-Q 3/31/2023
12312022	2232023	10-K 12/31/2022
9302022	11012022	10-Q 9/30/2022
6302022	8032022	10-Q 6/30/2022
3312022	4282022	10-Q 3/31/2022
12312021	2242022	10-K 12/31/2021

Insider Activity

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	Owner	Title	Filing Date	Action	Price	Shares	Transacted Value	Value of Held Shares	Form
0	McGranahan Devin	CEO & President	8252025	Buy	8.49	176,470	1,498,054	7,751,518	Form
1	Cagwin Matthew	Chief Financial Officer	8202025	Buy	8.36	17,500	146,300	1,886,111	Form

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0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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Western Union (WU)

Market Price (11/9/2025): $9.12 | Market Cap: $2.9 BilSector: Financials | Industry: Transaction & Payment Processing Services

Western Union (WU)

Market Price (11/9/2025): $9.12Market Cap: $2.9 BilSector: FinancialsIndustry: Transaction & Payment Processing Services

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Market Price (11/9/2025): $9.12 | Market Cap: $2.9 Bil
Sector: Financials | Industry: Transaction & Payment Processing Services

Market Price (11/9/2025): $9.12
Market Cap: $2.9 Bil
Sector: Financials
Industry: Transaction & Payment Processing Services