Yahoo Finance report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Why WU Stock surged +2.11% Today — RQD Quant Desk Flash
Western Union Company (WU) carries a Roarable Rating of D+ (Sell) with 52/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is WU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Western Union Company (NYSE: WU) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $6.29 (+2.11% 1D, market cap $1.92B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 13/20. Across 1009 tracked Consumer Discretionary issuers, WU ranks #503 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does WU compare to TIC and FLYW in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), WU carries a Roarable D+ (52/100 RQD), trailing P/E of 3.9x, gross margin of 34.3%, and ROIC of 85.0%. By comparison, TIC (TIC Solutions Inc.) holds a D grade (47/100 RQD, P/E N/A, ROIC -0.4%, cap $2.19B) and FLYW (Flywire Corporation Voting) posts a C grade (64/100 RQD, P/E N/A, ROIC 1.8%, cap $2.40B). Among the 5-stock peer group, WU leads on earnings multiple (3.9x) while WU leads on capital efficiency (85.0% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for WU?
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Per WU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001365135), Western Union Company generated $3.88B in revenue (-3.7% YoY), $499.6M in net income, and $505.2M in free cash flow against $8.31B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (34.3% gross margin)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 13% FCF Margin ($505.2M FCF) & 34.3% Gross Margin
SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)
⚔️ Adversarial Opposing Case: What Could Spark a WU Turnaround Squeeze
While WU currently carries a cautious 52/100 (D+) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Strong cash generator (34.3% gross margin)—profits are backed by real money, not accounting tricks.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($6.45) and Max Pain ($6.60) forces dealer call-delta covering toward $10.87.
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
Why WU Stock surged +2.11% Today — RQD Quant Desk Flash
Western Union Company (WU) surged +2.11% to $6.29, trading at 9% of its 52-week range ($5.87 – $10.35). Stretched risk/reward at 4x P/E (85% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 9% of its 52-week range ($5.87 – $10.35) with RSI-14 at 46.4 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±6% around $6.29 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 34.3% gross margin and $505.2M annual free cash flow.
TradingView report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Paymentus (PAY) delivered earnings and revenue surprises of +13.64% and +3.71%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
See here for an analysis of 16 safe small-cap high-yield dividend dogs with strong cash flow and top picks projected to gain up to 62% by 2027.
Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring WU)
- ✓Walkthrough of WU's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
WU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -3.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on WU today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for WU. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WU)
1. Head-to-Head Consumer Discretionary Peer Comparison (WU vs. TIC, FLYW, PAYO, RDWR)
Industry: Business Services (88 Tracked Issuers)Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, Western Union Company (WU) ranks #503 by composite RQD confidence (52/100, grade D+) and #420 by equity capitalization ($1.92B). Within this direct 5-issuer industry benchmark cohort, WU leads on earnings valuation at 3.9x trailing P/E, while WU leads on capital efficiency and profitability with 85.0% ROIC and 34.3% gross margin. PAYO currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with WU at 52/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| WU
ACTIVE
Western Union Company | D+ | 52/100 | 3.9x | 34.3% | 85.0% | +2.11% | $1.92B | Benchmark Subject |
| TIC TIC Solutions Inc. | D | 47/100 | — | 29.4% | -0.4% | +2.19% | $2.19B | /tic-vs-wu → |
| FLYW Flywire Corporation Voting | C | 64/100 | — | — | 1.8% | -1.02% | $2.40B | /flyw-vs-wu → |
| PAYO Payoneer Global Inc. | C+ | 67/100 | 33.0x | — | 34.1% | +0.14% | $2.42B | /payo-vs-wu → |
| RDWR Radware Ltd. | D+ | 58/100 | 76.5x | 80.7% | 3.7% | -5.61% | $1.46B | /rdwr-vs-wu → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001365135 ↗In its most recent audited fiscal period (FY2025, filed 2025-12-31), Western Union Company (WU) reported GAAP revenue of $3.88B (-3.7% vs. FY2024 revenue of $4.03B , and -6.7% cumulative change since FY2023) , GAAP net income of $499.6M, operating cash flow of $543.7M, and free cash flow of $505.2M (+36.9% YoY). On the balance sheet, WU closed FY2025 with $8.31B in total assets against $0 in total debt (Altman Z-Score: 0.92, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $3.88B | $499.6M | $543.7M | $505.2M | $8.31B | — |
| FY2024 (FY) | 2024-12-31 | $4.03B | $934.2M | $406.3M | $368.9M | $8.37B | — |
| FY2023 (FY) | 2023-12-31 | $4.16B | $626.0M | $783.1M | $783.1M | — | — |
3. WU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs WU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-03, Western Union Company (NYSE: WU) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $6.29 (+2.11% 1D, market cap $1.92B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 13/20. Across 1009 tracked Consumer Discretionary issuers, WU ranks #503 in composite RQD confidence.
How does WU compare to TIC and FLYW in the Consumer Discretionary sector?
Within the Consumer Discretionary sector (Business Services), WU carries a Roarable D+ (52/100 RQD), trailing P/E of 3.9x, gross margin of 34.3%, and ROIC of 85.0%. By comparison, TIC (TIC Solutions Inc.) holds a D grade (47/100 RQD, P/E N/A, ROIC -0.4%, cap $2.19B) and FLYW (Flywire Corporation Voting) posts a C grade (64/100 RQD, P/E N/A, ROIC 1.8%, cap $2.40B). Among the 5-stock peer group, WU leads on earnings multiple (3.9x) while WU leads on capital efficiency (85.0% ROIC).
What are the biggest fundamental strengths and SEC risk factors for WU?
Per WU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001365135), Western Union Company generated $3.88B in revenue (-3.7% YoY), $499.6M in net income, and $505.2M in free cash flow against $8.31B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (34.3% gross margin)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
Where is WU trading relative to its 50-day, 200-day, and 52-week technical levels?
WU last traded at $6.29 (+2.11% on volume of 8,863,441 shares), positioning the stock -2.48% below its 50-day simple moving average ($6.45) and -21.77% below its 200-day simple moving average ($8.04). Across its 52-week range of $5.87 to $10.35, WU sits at the 9.4% percentile with a 14-day RSI of 46.4 (NEUTRAL RANGE) and an implied next-earnings move of ±6.0% ($5.91 to $6.67).
WU — Western Union Company: What the Facts Mean to a Prospective Investor
1. Roarable Rating Brief: What This Means to a Prospective Investor
Western Union Company (WU) earns a live Roarable RQD composite score of 52/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $6.29 (+2.11% 1D, market capitalization $1.92B).
- Fundamental Cash Engine (16/20): Anchored by return on invested capital (ROIC) of 85.0%, gross margin of 34.3%, operating margin of 19.5%, and free cash flow yield of —.
- Whale 13F & Options Flow (6/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (7/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of 0.92, Piotroski F-Score of 5/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
Western Union Company (WU) is a NYSE-listed issuer classified in the Consumer Discretionary sector and the Business Services industry. The profile identifies it as a market-capitalization issuer of $1.9B. Specific product lines, customer segments, and revenue-generation mechanics are — The only evidence of commercial activity in the source data is the news wire reference to a Publix renewal, discussed below.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Western Union Company (WU) reported $3.88B in annual revenue (up from $4.03B in FY2024, -3.7% YoY) and $499.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($4.16B revenue, $626.0M net income) through FY2025, WU scaled operating cash flow to $543.7M and free cash flow to $505.2M, backed by $8.31B in total assets against $0 in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (D+ • RQD 52/100): Strong cash generator (34.3% gross margin)—profits are backed by real money, not accounting tricks. Free cash flow yield of — and institutional whale pillar of 6/20. With Fundamental Cash Engine at 16/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $5.87 – $10.35 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 3.9x trailing P/E against 19.5% operating margins and a 1.00x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
The supply_chain field is NONE, butterfly_links is empty, and proprietary_signals is empty. No upstream suppliers, downstream customers, or sector-correlation links are available in the source data. Second-order bottlenecks, cross-company dependencies, and sector correlation coefficients are — The only relational reference in the source data is the Publix renewal headline, which implies a commercial counterparty, but the source does not describe the nature of that dependency or its magnitude.
- Key Question #1: Can WU sustain or expand its 19.5% operating margin and 85.0% ROIC against Business Services peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $3.88B and free cash flow of $505.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
- Key Question #3: How sensitive is WU's 3.6x forward P/E multiple to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?
WU Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Western Union Company (WU) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Western Union Company (WU) market action, institutional positioning, and fundamental catalysts.
WU Bull vs. Bear Conversation Board — What's Your Call at $6.29?
Low 3.9x trailing P/E with an 85% ROIC and $505.2M of FY 2025 free cash flow against a $1.94B market cap.
Picked up a starter position in WU in my $100K Virtual Cash book at $6.16. Low 3.9x trailing P/E with an 85% ROIC and $505.2M of FY 2025 free cash flow against a $1.94B market cap.. Trading inside a $5.87–$10.35 52-week range with 0.0% FCF yield gives solid downside support if Business Services multiples expand this quarter.
@ShortSeller_Dan Shorting a 6/20 institutional whale-flow stock at $6.16 is dangerous when funds are rotating into Consumer Discretionary.
Altman Z-Score of 0.92 and Piotroski F-Score of 5/9 sit alongside a 0% FCF yield and revenue declining from $4.16B to $3.88B over t
Altman Z-Score of 0.92 and Piotroski F-Score of 5/9 sit alongside a 0% FCF yield and revenue declining from $4.16B to $3.88B over two years.. Look at the math on WU: paying 3.9x trailing P/E for 85.0% ROIC and 19.5% operating margins leaves zero margin of safety if Business Services demand softens. I'd wait for a retest of $5.42 before getting long.