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The Western Union Company (WU)

Financial Services | Credit Services | Denver, United States | NYSE
7.87 USD +0.03 (0.383%) ⇧ (July 13, 2026, 4 p.m. EDT)
After hours: 7.96 +0.09 (1.144%) ⇧ (July 13, 2026, 7:11 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★☆☆☆☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 5:11 a.m. EDT

Western Union presents a classic value trap scenario where the market has priced in a permanent decline in business quality. The fundamentals are deteriorating rapidly: revenue is flat while earnings have collapsed by nearly half year-over-year, and the company is burdened by massive debt relative to equity. The price trajectory confirms this, having lost more than half its value over the last nine years, with the most recent annual drop being the steepest in that decade. Despite the attractive 12% dividend yield, this payout is likely unsustainable given the shrinking earnings base and the company's precarious balance sheet. The recent price action shows a brief, weak recovery followed by a stall, failing to break key moving averages. Options activity reinforces this bearish sentiment, with traders buying protection at lower levels rather than betting on a rebound. The statistical forecast also leans negative, aligning with the fundamental reality that the core business is struggling. This is not a deep-value opportunity; it is a deteriorating asset.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.132215
AutoARIMA0.142404
MSTL0.143165
AutoETS0.143725

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 46%
H-stat 6.47
Ljung-Box p 0.000
Jarque-Bera p 0.475
Excess Kurtosis -0.85
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-15
Last Dividend Date 2026-06-15
Debt to Equity Ratio 288.116
Revenue per Share 12.621
Market Cap 2,458,864,128
Trailing P/E 5.79
Forward P/E 4.12
Beta 0.50
Profit Margins 10.88%
Website https://www.westernunion.com

As of July 11, 2026, 5:11 a.m. EDT: Speculators are positioning defensively with heavy put volume at strikes below the current price, particularly the $7.0 strike which shows significant open interest. While there is some call activity at higher strikes ($9.0-$11.0), the overwhelming majority of open interest sits out-of-the-money on the upside, suggesting a lack of genuine bullish conviction. The implied volatility is elevated, indicating fear of further downside rather than anticipation of a rally.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
3.24% 11.16% 9.27% 8.13%
Dividend History
Date Dividend Yield %
2026-06-16 0.235 3.236914
2026-03-17 0.235 2.540541
2025-12-22 0.235 2.521459
2025-09-16 0.235 2.865854
2025-06-16 0.235 2.716763
2025-03-17 0.235 2.206573
2024-12-23 0.235 2.233840
2024-09-16 0.235 1.998299
2024-06-14 0.235 1.948590
2024-03-14 0.235 1.764264
2023-12-19 0.235 1.938944
2023-09-14 0.235 1.847484
2023-06-15 0.235 2.020636
2023-03-16 0.235 2.192164
2022-12-16 0.235 1.769578
2022-09-15 0.235 1.684588
2022-06-15 0.235 1.459627
2022-03-16 0.235 1.313583
2021-12-16 0.235 1.270957
2021-09-15 0.235 1.101218
2021-06-15 0.235 0.960360
2021-03-16 0.235 0.947581
2020-12-18 0.225 0.988142
2020-09-15 0.225 1.003121
2020-06-15 0.225 1.017639
2020-03-16 0.225 1.079655
2019-12-16 0.200 0.737191
2019-09-13 0.200 0.856164
2019-06-13 0.200 0.997009
2019-03-14 0.200 1.099505
2018-12-14 0.190 1.045104
2018-09-13 0.190 1.013874
2018-06-14 0.190 0.919652
2018-03-15 0.190 0.949051
2017-12-15 0.175 0.898357
2017-09-14 0.175 0.923970
2017-06-14 0.175 0.910036
2017-03-15 0.175 0.867195
2016-12-15 0.160 0.749766
2016-09-14 0.160 0.788177
2016-06-14 0.160 0.845666
2016-03-15 0.160 0.865801
2015-12-15 0.155 0.857301
2015-09-14 0.155 0.855408
2015-06-12 0.155 0.721938
2015-03-13 0.155 0.794464
2014-12-12 0.125 0.734430
2014-09-11 0.125 0.740083
2014-06-12 0.125 0.782228
2014-03-13 0.125 0.777847
2013-12-13 0.125 0.763592
2013-09-12 0.125 0.675676
2013-06-12 0.125 0.755744
2013-03-13 0.125 0.860289
2012-12-13 0.125 0.943396
2012-09-20 0.100 0.535045
2012-06-13 0.100 0.628141
2012-03-14 0.100 0.554017
2011-12-15 0.080 0.461095
2011-09-22 0.080 0.524246
2011-06-15 0.080 0.404654
2011-03-16 0.070 0.342801
2010-12-16 0.070 0.382723
2010-09-30 0.060 0.339559
2010-06-16 0.060 0.369686
2010-03-17 0.060 0.357143
2009-12-17 0.060 0.315292
2008-12-18 0.040 0.286738
2007-12-12 0.040 0.171895
2006-12-13 0.010 0.043783
Additional Data
dividendRate 0.94
dividendYield 11.99
exDividendDate 2026-06-16
trailingAnnualDividendRate 0.94
trailingAnnualDividendYield 0.119897954
lastDividendValue 0.235
lastDividendDate 2026-06-16
dividendDate 2026-06-30

Info Dump

Attribute Value
52 Week Change -0.05655837
Address1 7,001 East Belleview Avenue
All Time High 28.62
All Time Low 6.91
Ask 7.96
Ask Size 22,000
Audit Risk 1
Average Analyst Rating 3.6 - Underperform
Average Daily Volume10 Day 6,875,190
Average Daily Volume3 Month 8,709,391
Average Volume 8,709,391
Average Volume10Days 6,875,190
Beta 0.499
Bid 7.88
Bid Size 23,200
Board Risk 2
Book Value 2.912
City Denver
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 7.87
Current Ratio 0.256
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 7.97
Day Low 7.86
Debt To Equity 288.116
Dividend Date 1,782,777,600
Dividend Rate 0.94
Dividend Yield 11.99
Earnings Call Timestamp End 1,777,033,800
Earnings Call Timestamp Start 1,777,033,800
Earnings Growth -0.444
Earnings Quarterly Growth -0.476
Earnings Timestamp 1,777,033,800
Earnings Timestamp End 1,777,033,800
Earnings Timestamp Start 1,777,033,800
Ebitda 884,000,000
Ebitda Margins 0.21827999
Enterprise To Ebitda 4.721
Enterprise To Revenue 1.03
Enterprise Value 4,172,964,352
Eps Current Year 1.74921
Eps Forward 1.91146
Eps Trailing Twelve Months 1.36
Esg Populated 0
Ex Dividend Date 1,781,568,000
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 8.0478
Fifty Day Average Change -0.17780018
Fifty Day Average Change Percent -0.022093017
Fifty Two Week Change Percent -5.655837
Fifty Two Week High 10.35
Fifty Two Week High Change -2.4800005
Fifty Two Week High Change Percent -0.23961356
Fifty Two Week Low 6.91
Fifty Two Week Low Change 0.96000004
Fifty Two Week Low Change Percent 0.1389291
Fifty Two Week Range 6.91 - 10.35
Financial Currency USD
First Trade Date Milliseconds 1,159,795,800,000
Five Year Avg Dividend Yield 7.76
Float Shares 310,294,924
Forward Eps 1.91146
Forward P E 4.1172714
Free Cashflow 290,700,000
Full Exchange Name NYSE
Full Time Employees 9,600
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.36138
Gross Profits 1,463,500,032
Has Pre Post Market Data 1
Held Percent Insiders 0.00858
Held Percent Institutions 1.0249
Implied Shares Outstanding 312,435,104
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,781,568,000
Last Dividend Value 0.235
Last Fiscal Year End 1,767,139,200
Long Business Summary The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents and owned locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, money order and media network services, travel money services, check acceptance services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.
Long Name The Western Union Company
Market us_market
Market Cap 2,458,864,128
Market State POSTPOST
Max Age 86,400
Message Board Id finmb_909408
Most Recent Quarter 1,774,915,200
Net Income To Common 440,800,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 2,449,491,215
Number Of Analyst Opinions 14
Open 7.89
Operating Cashflow 504,500,000
Operating Margins 0.12517
Overall Risk 1
Payout Ratio 0.6912
Peg Ratio 2.21
Phone 866 405 5012
Post Market Change 0.09000015
Post Market Change Percent 1.1435852
Post Market Price 7.96
Post Market Time 1,783,984,319
Previous Close 7.84
Price Eps Current Year 4.4991736
Price Hint 2
Price To Book 2.70261
Price To Sales Trailing12 Months 0.60715693
Profit Margins 0.108839996
Quick Ratio 0.208
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key underperform
Recommendation Mean 3.61111
Region US
Regular Market Change 0.0299997
Regular Market Change Percent 0.38265
Regular Market Day High 7.97
Regular Market Day Low 7.86
Regular Market Day Range 7.86 - 7.97
Regular Market Open 7.89
Regular Market Previous Close 7.84
Regular Market Price 7.87
Regular Market Time 1,783,972,802
Regular Market Volume 3,647,038
Return On Assets 0.054279998
Return On Equity 0.47657
Revenue Growth -0.001
Revenue Per Share 12.621
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 1
Shares Outstanding 312,435,104
Shares Percent Shares Out 0.1741
Shares Short 54,401,179
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 51,089,710
Short Name Western Union Company (The)
Short Percent Of Float 0.1985
Short Ratio 6.02
Source Interval 15
State CO
Symbol WU
Target High Price 11.0
Target Low Price 7.0
Target Mean Price 8.75
Target Median Price 9.0
Total Cash 909,200,000
Total Cash Per Share 2.91
Total Debt 2,623,300,096
Total Revenue 4,049,799,936
Tradeable 0
Trailing Annual Dividend Rate 0.94
Trailing Annual Dividend Yield 0.119897954
Trailing Eps 1.36
Trailing P E 5.7867646
Trailing Peg Ratio 2.2078
Triggerable 1
Two Hundred Day Average 8.83015
Two Hundred Day Average Change -0.96014977
Two Hundred Day Average Change Percent -0.10873539
Type Disp Equity
Volume 3,647,038
Website https://www.westernunion.com
Zip 80,237