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Stock Ratings / Consumer Discretionary / WU / earnings
TIC (47) FLYW (64) PAYO (67) RDWR (58) ⌘ Pro Terminal →

Western Union Company (WU) Next Earnings Date & Expected ±6% Move

$6.16 -0.80% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $6.14

Western Union Company (WU) carries a Roarable Rating of D+ (Sell) with 52/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY) →
ROARABLE D+ • SELL / AVOID Cap $1.92B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on WU Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is WU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Western Union Company (NYSE: WU) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $6.16 (-0.80% 1D, market cap $1.92B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 1011 tracked Consumer Discretionary issuers, WU ranks #505 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does WU compare to TIC and FLYW in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), WU carries a Roarable D+ (52/100 RQD), trailing P/E of 3.9x, gross margin of 34.3%, and ROIC of 85.0%. By comparison, TIC (TIC Solutions Inc.) holds a D grade (47/100 RQD, P/E N/A, ROIC -0.4%, cap $2.19B) and FLYW (Flywire Corporation Voting) posts a C grade (64/100 RQD, P/E N/A, ROIC 1.8%, cap $2.40B). Among the 5-stock peer group, WU leads on earnings multiple (3.9x) while WU leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WU?
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Per WU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001365135), Western Union Company generated $3.88B in revenue (-3.7% YoY), $499.6M in net income, and $505.2M in free cash flow against $8.31B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (34% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $6.14 (-0.33%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 13% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY • 50.1% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510052
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D-
Cash (16)Whales (6)SEC (10)Macro (7)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-2.8% Base Target
$11 Bull$6 Base$5 Bear
📬 FREE WU RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WU)Realized 20D OHLCV Swing Band: ±6%
Deterministic 5-Pillar Attribution (52/100 Composite)
🔍 WHY WU SCORES 52/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+16/20 pts (31% of score)

SEC XBRL FY 2025 (10-K): 13% FCF Margin ($505.2M FCF) & 34.3% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
44
Grade D$6.10+1.8% Next Q
Q2 (-2Q)
47
Grade D$6.21-3.5% Next Q
Q3 (-1Q)
49
Grade D$5.99+2.8% Next Q
Current
52
Grade D+$6.16-1.1% Hist 90D α
Trajectory: D (44) → D+ (52)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a WU Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While WU currently carries a cautious 52/100 (D+) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Strong cash generator (34% profit margin)—profits are backed by real money, not accounting tricks.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($6.45) and Max Pain ($6.47) forces dealer call-delta covering toward $10.87.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WU• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “WU Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 52%NO 48%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±6% Swing Band

±$0.37 Expected Swing
$5.79 (-6%)Spot $6.16$6.53 (+6%)
MODEL EARNINGS SETUP GAUGE

WU Quantitative Pre-Earnings Setup: 52/100

Trailing EPS: $1.60 • YoY Revenue Growth: -3.7%

Model Bullish Setup (52/100)Model Risk Weight (48/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$3.88B$499.6M$505.2M34.3%
FY 20242024-12-31$4.03B$934.2M$368.9M34.9%
FY 20232023-12-31$4.16B$626.0M$783.1M34.3%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring WU)

  • ✓Walkthrough of WU's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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WU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -32.90%⚡ TESTING RESISTANCE
2026-11-03O $6.21H $6.21L $6.16C $6.16VOL 8.44M
RES: $6.18SUP: $5.64SMA50: $6.45SMA200: $8.04
$9.72$8.68$7.63$6.59$5.55RES $6.18SUP $5.64$6.162026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WU Butterfly Map → + Track WU →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
-15.0%/yr Implied 5Y Growth

vs. -3.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on WU today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WU. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for WU today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WU)

Consumer Discretionary Rank #505 of 1011 ⚔️ TIC vs WU Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (WU vs. TIC, FLYW, PAYO, RDWR)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Western Union Company (WU) ranks #505 by composite RQD confidence (52/100, grade D+) and #422 by equity capitalization ($1.92B). Within this direct 5-issuer industry benchmark cohort, WU leads on earnings valuation at 3.9x trailing P/E, while WU leads on capital efficiency and profitability with 85.0% ROIC and 34.3% gross margin. PAYO currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with WU at 52/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
WU ACTIVE
Western Union Company
D+ 52/100 3.9x 34.3% 85.0% -0.80% $1.92B Benchmark Subject
TIC
TIC Solutions Inc.
D 47/100 — 29.4% -0.4% -3.27% $2.19B /tic-vs-wu →
FLYW
Flywire Corporation Voting
C 64/100 — — 1.8% +2.07% $2.40B /flyw-vs-wu →
PAYO
Payoneer Global Inc.
C+ 67/100 33.0x — 34.1% +0.42% $2.42B /payo-vs-wu →
RDWR
Radware Ltd.
D+ 58/100 76.5x 80.7% 3.7% -5.62% $1.46B /rdwr-vs-wu →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001365135

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Western Union Company (WU) reported GAAP revenue of $3.88B (-3.7% vs. FY2024 revenue of $4.03B , and -6.7% cumulative change since FY2023) , GAAP net income of $499.6M, operating cash flow of $543.7M, and free cash flow of $505.2M (+36.9% YoY). On the balance sheet, WU closed FY2025 with $8.31B in total assets against $0 in total debt (Altman Z-Score: 0.92, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $3.88B $499.6M $543.7M $505.2M $8.31B —
FY2024 (FY) 2024-12-31 $4.03B $934.2M $406.3M $368.9M $8.37B —
FY2023 (FY) 2023-12-31 $4.16B $626.0M $783.1M $783.1M — —

3. WU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Western Union Company (NYSE: WU) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $6.16 (-0.80% 1D, market cap $1.92B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 1011 tracked Consumer Discretionary issuers, WU ranks #505 in composite RQD confidence.

How does WU compare to TIC and FLYW in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), WU carries a Roarable D+ (52/100 RQD), trailing P/E of 3.9x, gross margin of 34.3%, and ROIC of 85.0%. By comparison, TIC (TIC Solutions Inc.) holds a D grade (47/100 RQD, P/E N/A, ROIC -0.4%, cap $2.19B) and FLYW (Flywire Corporation Voting) posts a C grade (64/100 RQD, P/E N/A, ROIC 1.8%, cap $2.40B). Among the 5-stock peer group, WU leads on earnings multiple (3.9x) while WU leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for WU?

Per WU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001365135), Western Union Company generated $3.88B in revenue (-3.7% YoY), $499.6M in net income, and $505.2M in free cash flow against $8.31B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (34% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is WU trading relative to its 50-day, 200-day, and 52-week technical levels?

WU last traded at $6.16 (-0.80% on volume of 8,443,528 shares), positioning the stock -4.50% below its 50-day simple moving average ($6.45) and -23.38% below its 200-day simple moving average ($8.04). Across its 52-week range of $5.87 to $10.35, WU sits at the 6.5% percentile with a 14-day RSI of 46.4 (NEUTRAL RANGE) and an implied next-earnings move of ±6.0% ($5.79 to $6.53).

WU Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is WU's next earnings date?

Based on SEC filing cadence, Western Union Company (WU)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is WU stock expected to move on earnings?

Volatility modeling currently projects a ±6% event move for WU, spanning a range between $5.79 and $6.53.

Direct Sub-Reports: WU RQD Cockpit WU 12M Forecast WU Earnings & Move WU Dividends & DRIP WU Insiders & 13F WU Whale Options WU Profit Sankey WU News & Why
ROARABLE RATING BRIEF • RQD 52/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

WU — Western Union Company: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:27:14Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, WU carries an RQD Score of 52 out of 100, a letter grade of D+, and the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are scored as follows. Fundamental Cash Engine scores 16 of 20 (ROIC 85%; FCF yield 0%), which is the strongest pillar but shows a sharp disconnect: a very high return on invested capital alongside a 0% free-cash-flow yield at the current valuation. Whale 13F Flow scores 6 of 20 (institutional accumulation and options positioning), indicating weak institutional support in the source data. Insider Conviction scores 13 of 20 (SEC Form 4 and Congressional PTR cluster flow), a moderate reading. Macro Regime Fit scores 7 of 20 (Beta 1.0; sector sensitivity), suggesting limited defensive characteristics relative to the rating framework. Forensic Balance Sheet scores 10 of 20 (Altman Z 0.92; Piotroski F 5/9; Debt/Equity 0.5), a weak reading that signals elevated financial-distress risk under the Altman framework.

For a prospective investor, the practical implication is that the rating's upside case rests on the cash-generation pillar, while the valuation, institutional, and forensic pillars weigh against it. The reported P/E (TTM) of 3.9 and Forward P/E of 3.6 are low in absolute terms, but the 0% FCF yield and 0% dividend yield mean the source data does not show cash returned to shareholders at the current price. Investors weighing a low multiple against a weak forensic profile should treat the low earnings multiple as a possible reflection of perceived risk rather than as a standalone value signal.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$3879.6M$757.3M$499.6MN/A$505.2M$1234.4MN/A
FY 2024$4027.1M$725.8M$934.2MN/A$368.9M$1474.0MN/A
FY 2023$4158.0M$817.5M$626.0MN/A$783.1MN/AN/A

Per the SEC financials, revenue declined from $4158.0M (FY 2023) to $4027.1M (FY 2024) to $3879.6M (FY 2025). Net income was $934.2M in FY 2024 and $499.6M in FY 2025. The market data reports a gross margin of 34.3%, operating margin of 19.5%, and net margin of 12.9%, with ROIC of 85%. The Altman Z-Score is 0.92 and the Piotroski F-Score is 5 of 9, both per the Roarable RQD forensic pillar. Debt/Equity is 0.5 per the same source. The source data does not provide a debt figure in the SEC financials, so the balance-sheet leverage picture rests on the Debt/Equity ratio alone.

Open Questions

  • What is the content and financial magnitude of the Publix renewal, and what transaction-growth effect does the renewal imply?
  • What is the basis for the "distress priced in" thesis referenced in the Seeking Alpha item, and what specific Q3 metrics are at issue?
  • What is the debt quantum, given that the FY 2024 and FY 2025 debt fields are reported as N/A in the financials?
  • Why is FCF yield 0% in the market data when FY 2025 free cash flow is reported at $505.2M, and how does that reconcile against the current market capitalization?
  • What are the specific holders, insider transactions, and analyst price targets behind the Insider Conviction and Whale 13F Flow pillar scores?

WU Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Western Union Company (WU) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to WU Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

WU Bull vs. Bear Conversation Board — What's Your Call at $6.16?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WU 🐻 50% BEARISH CONVICTION
1. Pick Your Side on WU:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $6.71 (+8.1%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is WU (D+ • RQD 52/100) a Buy at $6.21?

Welcome to the WU (Western Union Company) Roar Pit. Current RQD Composite is 52/100 (Roarable Sell — Weak Fundamentals / Trim) in Business Services. Bulls point to capital efficiency (85.0% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $4.78 (-23.0%)
Spot @ $6.21

Pump the brakes on WU — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on WU, but look at what you are paying: 3.9x trailing P/E with 34.3% gross margins. Unless Western Union Company expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $7.51 (+20.9%)
Spot @ $6.21

WU cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on WU, the market is fixating on short-term headline noise in Business Services and ignoring the balance sheet and cash flow trajectory. At $6.21 (52-wk range $5.87 - $10.35), any beat on forward guidance forces shorts and underweight funds to chase.

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