Western Union (WU)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$6.59+5.44%
Close 2026-11-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
QuarterlyIQ Insights · WU
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -49.3% |
| Our one-year growth estimate | diamond | 6.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the opposite direction.
Price observations: 365 days
Most sensitive to long-term interest rates.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 55.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 22 industry peers · Company calendar date is not available
WU — earnings miss
Dated 2026-07-30
Results of Operations and Financial Condition. On July 30, 2026, The Western Union Company (the “Company”) issued a press release relating to the Company’s earnings for the second quarter of 2026 (the “Earnings Release”). A copy of the Earnings Release is attached hereto as Exhibit 99.1. The information furnished under this Item 2.02, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Securities Exchange Act”…
Why it matters: The California regulator paused its approval, delaying the deal. Restored approval would clear a key step to close.
Supportive ifA company filing or release says the DFPI restored approval and the deal closed or has a new close date.
Worry ifThe DFPI keeps its approval on pause, denies approval, or the companies say the deal cannot close.
Why it matters: Western Union cut its 2026 outlook after Q2. Results within the new range would show the lower forecast is holding.
Watch forThe next report keeps adjusted 2026 revenue growth guidance at 4% to 6% or raises it.
Also watch forThe next report cuts adjusted 2026 revenue growth guidance below 4%, or reported growth falls below 4%.
Why it matters: Digital revenue grew in both recent quarters, while the wider money transfer business faced pressure. Continued growth would support this shift.
Supportive ifQ3 Branded Digital revenue grows year over year, with transaction growth above zero.
Worry ifQ3 Branded Digital revenue or transaction count falls year over year.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$112 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $329 loss on $10,000 · 3.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $4,115 loss on $10,000 · 41.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.