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Stock Ratings / Consumer Discretionary / WU / insiders
TIC (48) FLYW (63) PAYO (65) RDWR (58) ⌘ Pro Terminal β†’

Western Union Company (WU) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$6.16 -0.80% NYSE β€’ 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.

πŸ“Š 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) β†’
ROARABLE D+ β€’ SELL / AVOID Cap $1.94B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on WU Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is WU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-02, 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 $1.94B). 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 #523 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does WU compare to TIC and FLYW in the Consumer Discretionary sector?
β–Ό

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 (48/100 RQD, P/E N/A, ROIC -0.4%, cap $2.27B) and FLYW (Flywire Corporation Voting) posts a C grade (63/100 RQD, P/E N/A, ROIC 1.8%, cap $2.35B). Among the 5-stock peer group, WU leads on earnings multiple (3.9x) while WU leads on capital efficiency (85.0% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WU?
β–Ό

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)β€”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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” 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:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $6.14 (-0.33%)🧬 Cannibal Buyback (-1.52% YoY Shares)βš™οΈ Cash Engine: 16/20 (B+) β€’ 13% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š 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 β€’ 50.1% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D+
025507510052
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

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

5-PILLAR SNOWFLAKE RADARRw D+ Β· 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
πŸ“¬ FREE WU RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for WU)Realized 20D OHLCV Swing Band: Β±6.2%
Deterministic 5-Pillar Attribution (52/100 Composite)
πŸ” WHY WU SCORES 52/100 (D+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #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

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

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

β–Ό #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)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
44
Grade D$6.11+0.8% Next Q
Q2 (-2Q)
47
Grade D$6.16+0.8% Next Q
Q3 (-1Q)
49
Grade D$6.21-0.8% Next Q
Current
52
Grade D+$6.16-1.1% Hist 90D Ξ±
Trajectory: D (44) β†’ D+ (52)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a WU Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

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.

πŸš€ Contrarian Squeeze Trigger #1

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

πŸš€ Contrarian Squeeze Trigger #2

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

πŸš€ 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 $WUβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œWU Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 52%NO 48%Trade / Inspect Odds β†’
SEC FORM 4 Γ— 13F HEDGE FUNDS Γ— CONGRESSIONAL STOCK ACT

WU Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales β†’
β–² Disclosed Buys: 0 ($0)β–Ό Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (WU)

No recent open-market Form 4 cluster sales or emergency dumps flagged on WU. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

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

  • βœ“Walkthrough of WU's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“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
2026-11-02O $6.09H $6.21L $6.09C $6.16VOL 6.97M
RES: $6.21SUP: $5.65SMA50: $6.47SMA200: $8.05
$9.72$8.68$7.63$6.59$5.55RES $6.21SUP $5.65$6.162026-05-042026-06-172026-08-042026-09-172026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ WU Butterfly Map β†’ + Track WU β†’
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 β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WU)

Consumer Discretionary Rank #523 of 1011 βš”οΈ TIC vs WU Full Matrix β†’

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 #523 by composite RQD confidence (52/100, grade D+) and #420 by equity capitalization ($1.94B). 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 65/100 (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% $1.94B Benchmark Subject
TIC
TIC Solutions Inc.
D 48/100 β€” 29.4% -0.4% -3.27% $2.27B /tic-vs-wu β†’
FLYW
Flywire Corporation Voting
C 63/100 β€” β€” 1.8% +2.07% $2.35B /flyw-vs-wu β†’
PAYO
Payoneer Global Inc.
C 65/100 33.0x β€” 34.1% +0.42% $2.41B /payo-vs-wu β†’
RDWR
Radware Ltd.
D+ 58/100 76.5x 80.7% 3.7% -5.62% $1.55B /rdwr-vs-wu β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ 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 β€”
FY2024 (FY) 2024-12-31 $4.03B $934.2M $406.3M $368.9M $8.37B β€”
FY2023 (FY) 2023-12-31 $4.16B $626.0M $783.1M $783.1M β€” β€”

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

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-02, 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 $1.94B). 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 #523 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 (48/100 RQD, P/E N/A, ROIC -0.4%, cap $2.27B) and FLYW (Flywire Corporation Voting) posts a C grade (63/100 RQD, P/E N/A, ROIC 1.8%, cap $2.35B). 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)β€”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 -4.79% below its 50-day simple moving average ($6.47) and -23.48% below its 200-day simple moving average ($8.05). Across its 52-week range of $5.87 to $10.35, WU sits at the 6.5% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of Β±6.2% ($5.78 to $6.54).

WU Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS β€’ SEC EDGAR Γ— CBOE Γ— FRED

Are WU insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies WU leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

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 β€’ RQD 52/100 (D+) βœ“ STAGE-C NUMBER FIREWALL VERIFIED

WU β€” 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 β€” 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) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to WU Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

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

πŸ‚ 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON WU 🐻 50% BEARISH CONVICTION
1. Pick Your Side on WU:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk βš–οΈ DEBATE HOST 🎯 Target: $6.71 (+8.1%)
πŸ“Œ Pinned Debate

πŸ”₯ Official Bull vs. Bear Debate: Is WU (D+ β€’ 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 β€” 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 (πŸ‚ 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 β€” 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 πŸ‚ 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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