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WU

Western UnionB
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
Digital transaction growth and Consumer Services expansion could gradually offset legacy retail pressure, while cost reductions improve margins. The operating improvements are real but not yet sufficient to establish a high-conviction turnaround.
Posture
Constructive
Lead driver
Value
What changed
3 setup hits (3d) with net bullish as of 2026-10-25.
What can break
A May 2026 officer open-market sale is a secondary sentiment risk but does not establish operating weakness. [#SEC-FORM4-2026-05-04]
Momentum
29
Value
64
Sentiment
60
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $7.00 · Bull $8.50 · Bear $5.50Analysis 2026-08-04; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-04 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $6.48
Why
Momentum29 · Δ7d -1.3
Value64 · Δ7d -0.1
Sentiment60 · Δ7d -3.3
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-10-25.
  • • Value remains the lead driver in the composite, 7D delta -0.1.

Contradictions & invalidation

  • • A May 2026 officer open-market sale is a secondary sentiment risk but does not establish operating weakness. [#SEC-FORM4-2026-05-04]
  • • Americas retail demand and transaction weakness may persist.
  • • The post-earnings evidence is dominated by lower profitability, Americas retail weakness, delayed acquisition synergies, and margin compression.

Catalyst clock

2026-07-30

Q2 earnings reset exposed margin pressure

Lead driver: Value · See fundamentals
Momentum
29
8% active weight
Current posture
7d trendSoftening
Δ7d
-1.3
Δ21d
+6.4
Value
64
47% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-0.2
Sentiment
60
45% active weight
Current posture
7d trendSoftening
Δ7d
-3.3
Δ21d
-15.6
Why this grade

Composite grade B. Momentum 29.3 / Value 63.5 / Sentiment 60.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-04. Scenario method

B+
Bull case
20%
Probability
Target price
$8.50
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$7.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$5.50
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$1.98B
Beta
0.54
Shares Out
311.88M
P/E (TTM)
4.1
P/S (TTM)
0.73
P/FCF (TTM)
27.03
Rev YoY
-1.2%
EPS YoY
-34.0%
Gross Margin
+30.5%
Op Margin
+16.8%
Net Debt
$1.87B
Current Ratio
0.23
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data