WU
The Western Union Company
NYSEUSDEQUITY
Financial Services
DELAYED
Last price
7.33
▲ 0.04 (0.55%)
MARKET · —
Price
Open
7.34
Prev close
7.29
Day high
7.40
Day low
7.25
Volume
7.13M
Market cap
$2.28B
P/E (TTM)
5.89
52W range
6.27 – 10.35
Trailing performance
Returnvs SPY
1W
-2.01%
-0.6%
1M
-12.15%
-15.9%
3M
-14.12%
-17.2%
6M
-21.25%
-32.3%
YTD
-21.59%
-33.9%
1Y
-12.05%
-32.0%
3Y
-37.39%
-111.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$2.28B
Enterprise value$4.05B
Revenue (TTM)$4.04B
Gross profit$1.42B
EBITDA$832.50M
Net income$395.40M
EPS (TTM)$1.24
Free cash flow$357.28M
Total cash$919.80M
Total debt$2.70B
Book value / share$2.93
Shares outstanding311.88M
Float309.76M
Short % of float18.73%
Dividend yield12.88%
Beta (5Y)0.52
Valuation & profitability ratios
Trailing P/E5.89
Forward P/E4.81
PEG ratio13.34
Price / sales—
Price / book2.49
EV / revenue1.00
EV / EBITDA4.87
Gross margin35.09%
Operating margin13.04%
Profit margin9.80%
Return on equity43.97%
Return on assets5.12%
Debt / equity294.87
Current ratio0.28
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $4.05B | $4.21B | $4.36B | $4.48B |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $499.60M | $934.20M | $626.00M | $910.60M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $499.60M | $934.20M | $626.00M | $910.60M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.42 | 0.31 | -26.3% |
| Mar 2026 | 0.39 | 0.25 | -36.4% |
| Dec 2025 | 0.43 | 0.45 | +4.0% |
| Sep 2025 | 0.43 | 0.47 | +9.5% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.35 | 16 | $1.05B | +2.1% |
| Next quarter | 0.38 | 15 | $1.08B | +7.5% |
| Current year | 1.29 | 18 | $4.13B | +1.9% |
| Next year | 1.52 | 18 | $4.36B | +5.7% |
Analyst targets & ownership
Mean target$7.09
High target$8.50
Low target$6.00
Implied upside-3.28%
Analyst count14
ConsensusUNDERPERFORM
Strong buy / Buy0 / 0
Hold11
Sell / Strong sell5 / 2
Held by insiders0.86%
Held by institutions100.16%
Institutions holding638
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+3.02M
Net buying
Buy transactions
29
3.04M shares
Sell transactions
2
25.92K shares
Net transactions
+31
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
2.68M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jun 5, 26 | ANGELINI GIOVANNI Officer |
STOCK | 66.85K | $0 | Direct |
| May 1, 26 | ADAMS BENJAMIN CARLTON Officer |
SELL | 19.92K | $183.88K | Direct |
| Apr 28, 26 | ANGELINI GIOVANNI Officer |
SELL | 6.00K | $56.85K | Direct |
| Mar 13, 26 | PANT MILIND Director |
STOCK | 16.91K | $0 | Direct |
| Mar 2, 26 | TRUJILLO SOLOMON D Director |
STOCK | 44.98K | $0 | Direct |
| Mar 2, 26 | TRUJILLO SOLOMON D Director |
STOCK | 32.95K | $0 | Direct |
| Mar 2, 26 | MURPHY TIMOTHY P. Director |
STOCK | 20.92K | $0 | Direct |
| Mar 2, 26 | CAMERON-DOE JULIE Director |
STOCK | 20.92K | $0 | Direct |
| Mar 2, 26 | ADAMS BENJAMIN CARLTON Officer |
STOCK | 110.88K | $0 | Direct |
| Mar 2, 26 | AXELROD CHERIE Officer |
STOCK | 73.22K | $0 | Direct |
| Mar 2, 26 | AXELROD CHERIE Officer |
STOCK | 69.56K | $0 | Direct |
| Mar 2, 26 | JOERRES JEFFREY A Director |
STOCK | 50.73K | $0 | Direct |
| Mar 2, 26 | HOLDEN BETSY D Director |
STOCK | 20.92K | $0 | Direct |
| Mar 2, 26 | ANGELINI GIOVANNI Officer |
STOCK | 83.68K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ADAMS BENJAMIN CARLTON |
Officer | 234.69K | Sale |
ANGELINI GIOVANNI |
Officer | 378.14K | Stock Award(Grant) |
AXELROD CHERIE |
Officer | 183.06K | Stock Award(Grant) |
CAGWIN MATTHEW |
Chief Financial Officer | 444.26K | Stock Award(Grant) |
HAWKSWORTH BENJAMIN SCOTT |
Chief Operating Officer | 273.31K | Stock Award(Grant) |
HOLDEN BETSY D |
Director | 144.47K | Stock Award(Grant) |
JOERRES JEFFREY A |
Director | 254.62K | Stock Award(Grant) |
MCGRANAHAN DEVIN B |
Chief Executive Officer | 1.86M | Stock Award(Grant) |
MILES MICHAEL A JR |
Director | 209.80K | Stock Award(Grant) |
WALKER ANDREW D |
Chief Operating Officer | 121.72K | Stock Award(Grant) |
Moving averages & technicals
SMA 10
7.23
+1.33% from price
SMA 20
7.31
-0.18% from price
SMA 50
7.60
-3.94% from price
SMA 100
8.13
-9.88% from price
SMA 200
8.72
-16.32% from price
EMA 12
7.29
+0.58% from price
EMA 26
7.44
-1.45% from price
EMA 50
7.66
-4.25% from price
RSI (14)
46.4
Neutral
MACD (12,26,9)
-0.15
Hist 0.02
ATR (14)
0.26
3.61% of price
Realised vol 30D
73.2%
Annualised
Bollinger upper
8.23
20, 2σ
Bollinger lower
6.39
20, 2σ
50 / 200 cross
Death
7.60 vs 8.72
Trend bias
Below 200
-16.32%
Risk profile
Beta vs SPY
0.45
Less volatile than market
Correlation to SPY
0.15
Largely independent
Realised vol 30D
73.2%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-38.1%
Peak to trough
Max drawdown 5Y
-70.8%
Peak to trough
ATR 14
0.26
3.61% of price
Beta (reported)
0.52
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
0.41
Call-heavy session
Put / call open interest
0.58
Positioning, not flow
Max pain
8.00
+9.6% from spot
ATM implied vol
41.6%
Nearest strike to spot
Skew (10% OTM)
+6.4%
Puts bid over calls
Call volume
1.77K
Contracts, this expiry
Put volume
729
Contracts, this expiry
Heaviest call OI
8.00
8.66K contracts
Heaviest put OI
8.00
4.40K contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
Can Western Union's $200M Beyond Efficiency Plan Revive Profitability?
Zacks · 1d ago
Can Total Wireless Help Western Union Deepen U.S. Retail Reach?
Zacks · 3d ago
Verizon's Total Wireless Expands Western Union Partnership
MT Newswires · 4d ago
TikTok explores peer-to-peer payments via direct messages
Investing.com · 4d ago
Total Wireless Expands Partnership with Western Union, Bringing Financial Services to Retail Locations Nationwide
GlobeNewswire · 4d ago
Western Union’s High Yield is Raising Dividend Cut Concerns
Insider Monkey · 4d ago
Western Union navigates challenges
Payments Dive · 6d ago
Sector Update: Financial Stocks Edge Lower Late Afternoon
MT Newswires · 8d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.