Touchstone
Last syncOct 31, 2026, 6:54 PM ET

WU

Western Union Co Industrials Services-Business Services, NEC Russell 3000
$6.16Close $1.9BMarket cap $5.90 – $9.7152-week range Nov 4, 2026Next report · after the close

Highlights

Cautions

  • Not in an uptrend 0 of 8 trend conditions
  • Lagging the market RS 14 · weaker than 86% of stocks over 12 months
  • Far from its high 37% below its 52-week high
  • Distribution down-day volume 1.6× up-day volume over 50 sessions
  • Earnings shrinking EPS −34% year on year
  • Results soon Nov 4, 2026, in 3 days

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Jul 30, 2026
Off 12-month high 37%
1wk down 2.8% price change
1mo up 4.4% price change
12-month return down 29% market up 11% · its own down 41%
F-score — — Not assessed
Altman Z — Unknown
P/E 3.9× price / earnings
PEG — P/E / EPS growth
P/B 2.0× price / book
Earnings yield up 21.1% EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth down 4% year on year
EPS growth down 34% latest quarter · +10 pts
Sales growth down 1% latest quarter · -2 pts
ROE up 52% return on equity
Free cash margin up 13% $505.2M FCF
D/E 3.01 long-term debt / equity
Net debt / EBITDA 2.2×
Interest cover 5.3×EBIT / interest

Trade setup

ATR% 3.1% $0.19 a day · 2×ATR $5.78
RS 14 / 99 vs the universe
Trend 0 / 8 trend template
Relative volume 1.0× vs 50-day average
Up/down volume 0.62 50 sessions
Implied move — no option chain · report Nov 4, 2026
Trend template · 0 of 8

Screen verdict

Did not qualify for any screen.

Warning signs

1 flagged
  • Revenue shrinking Revenue fell 3.7% over the year, from $4.0B to $3.9B.
Last reported Jul 30, 2026
Last shock Jul 31, 2026-17% in one session5.6× volumeon results-3% since

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $3.9B -4% on FY2024
$0 $5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $4.6B FY2021 · $4.9B FY2022 · $4.3B FY2023 · $4.2B FY2024 · $4.0B FY2025 · $3.9B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $499.6M -47% on FY2024
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $744.3M FY2021 · $805.8M FY2022 · $910.6M FY2023 · $626.0M FY2024 · $934.2M FY2025 · $499.6M
Free cash flow Cash from running the business less what it spent on equipment and buildings: the cash a year actually left behind, which profit alone does not show. Not shown for banks and insurers, whose cash moves with their loans. Methodology $505.2M +37% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $841.0M FY2021 · $1.0B FY2022 · $549.7M FY2023 · $760.2M FY2024 · $368.9M FY2025 · $505.2M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Gross 34%
  • Net 13%
  • Free cash 13%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Gross 39% · Net 16% · Free cash 18% FY2021 · Gross 40% · Net 17% · Free cash 21% FY2022 · Gross 38% · Net 21% · Free cash 13% FY2023 · Gross 36% · Net 15% · Free cash 18% FY2024 · Gross 35% · Net 23% · Free cash 9% FY2025 · Gross 34% · Net 13% · Free cash 13%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology $1.7B net debt
  • Cash
  • Long-term debt
$0 $5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $1.4B · Long-term debt $3.1B FY2021 · Cash $1.2B · Long-term debt $2.8B FY2022 · Cash $1.3B · Long-term debt $2.5B FY2023 · Cash $1.3B · Long-term debt $2.1B FY2024 · Cash $1.5B · Long-term debt $3.0B FY2025 · Cash $1.2B · Long-term debt $2.9B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 315.70m -23.2% since FY2020
411.20m 315.70m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 411.20m FY2021 · 393.80m FY2022 · 373.50m FY2023 · 350.50m FY2024 · 337.90m FY2025 · 315.70m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $4.6B $4.9B $4.3B $4.2B $4.0B $3.9B
Gross margin 39% 40% 38% 36% 35% 34%
Operating income $967.3M $1.1B $884.9M $817.5M $725.8M $757.3M
Net income $744.3M $805.8M $910.6M $626.0M $934.2M $499.6M
Net margin 16% 17% 21% 15% 23% 13%
Earnings per share $1.79 $1.97 $2.34 $1.68 $2.74 $1.53
Free cash flow $841.0M $1.0B $549.7M $760.2M $368.9M $505.2M
Free cash margin 18% 21% 13% 18% 9% 13%
Cash $1.4B $1.2B $1.3B $1.3B $1.5B $1.2B
Long-term debt $3.1B $2.8B $2.5B $2.1B $3.0B $2.9B
Shareholders' equity $186.6M $355.6M $477.8M $479.0M $968.9M $957.8M
Shares outstanding 411.20m 393.80m 373.50m 350.50m 337.90m 315.70m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Jul 30, 2026 Quarterly ↗ Jun 30, 2026 30d
Apr 24, 2026 Quarterly ↗ Mar 31, 2026 24d
Feb 20, 2026 Annual ↗ Dec 31, 2025 51d
Oct 27, 2025 Quarterly ↗ Sep 30, 2025 27d
Jul 28, 2025 Quarterly ↗ Jun 30, 2025 28d
Apr 23, 2025 Quarterly ↗ Mar 31, 2025 23d
Feb 20, 2025 Annual ↗ Dec 31, 2024 51d
Oct 23, 2024 Quarterly ↗ Sep 30, 2024 23d
Jul 30, 2024 Quarterly ↗ Jun 30, 2024 30d
Apr 24, 2024 Quarterly ↗ Mar 31, 2024 24d
Feb 22, 2024 Annual ↗ Dec 31, 2023 53d
Oct 25, 2023 Quarterly ↗ Sep 30, 2023 25d

Current reports

FiledDisclosed
Oct 2, 2026 Other events ↗
Aug 14, 2026 Regulation FD · Other events ↗
Jul 30, 2026 Results ↗
Jul 23, 2026 Director or officer change ↗
Jun 24, 2026 Other events ↗
May 18, 2026 Shareholder vote ↗
May 5, 2026 Other events ↗
Apr 24, 2026 Results ↗
Mar 16, 2026 Director or officer change ↗
Mar 9, 2026 Other events ↗
Feb 20, 2026 Results ↗
Jan 9, 2026 Material agreement · New obligation ↗