WU

Western UnionB

NYSE / Financial Services

At close

2026-07-20

Current thesis

Bull case: successful digital uptake, margin expansion from cost saves and accretive capital returns drive multiple expansion; execution and share-recapture lift revenue growth above consensus [#SERP-6].

Posture

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.4.

What can break

Adverse regulatory or compliance actions

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $9.27 · Bull $14.00 · Bear $7.00

Data freshness

Prices

As of 2026-07-20

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-20 • Model: HYBRID_IC_RP

AI Memo

As of 2026-02-21 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-20

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $8.32

Why

Momentum52 · Δ7d +33.1

Value63 · Δ7d -0.4

Sentiment59 · Δ7d -19.0

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+33.1

Δ21d

+41.3

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.4

Δ21d

-0.3

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-19.0

Δ21d

-20.8

Why this grade

Composite grade B. Momentum 51.7 / Value 63.2 / Sentiment 58.7

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$2.77B

Beta

0.54

Shares Out

312.44M

P/E (TTM)

4.1

P/S (TTM)

0.73

P/FCF (TTM)

27.03

Rev YoY

-0.1%

EPS YoY

-43.9%

Gross Margin

+31.8%

Op Margin

+18.3%

Net Debt

$1.87B

Current Ratio

0.21

As of 2026-07-20 • Updated nightlySource: Internal modelMethodology