WU · NYSE · STOCK
The Western Union (WU) Stock Analysis
$7.17
52W $6.27 – $10.35
54/100
$2.24B
5.7
0.54
Is WU Bullish or Bearish?
Mixed.
Innellis AI committee rates The Western Union Company (WU) Watch with a composite score of 54/100
, based on 6 analysts with 33% agreement.
Last updated September 06, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +6.25 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -13.75 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — high leverage (debt-to-equity 3.00) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 5.7 is inexpensive for the broad market — Value
- ROE of 42.6% shows genuine earnings power backing the valuation — Value
- Dividend yield of 10.3% pays you to wait — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Debt-to-equity of 3.00 adds balance-sheet risk to the value case — Value
- Revenue declining -1.6% YoY -- this is not a growth story right now — Growth
- EPS declining -53.2% YoY despite any revenue growth — Growth
- 2 consecutive earnings misses -- execution concerns — Growth
- Price structure making lower highs and lower lows — Technical
- Trend and market structure agree -- coherent bearish picture — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 06, 2026
Overall Committee Score
54/100
Agreement
33%
Analysts
6
Conviction
Contested
Sector Rank
Top 93%
of 211 Financial Services peers
Value Analyst
bullish
61
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 5.7 is inexpensive for the broad market
− Debt-to-equity of 3.00 adds balance-sheet risk to the value case
Growth Analyst
bearish
35
/ 100 · High confidence
Growth story is weak, decelerating, or inconsistent
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
− Revenue declining -1.6% YoY -- this is not a growth story right now
Technical Analyst
neutral
56
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Risk Analyst
bearish
32
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 3.00) amplifies downside in a stress scenario
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2704.43)
Investment Thesis Evolution
Committee score moved marginally from 53.8 to 53.8.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-09-05 to 2026-09-06 (1 day apart).
Technical Analysis
RSI (14)
44.5
Neutral
MACD Histogram
0.019
Bullish Momentum
Trend Direction
Downtrend
Weekly: Downtrend
Market Structure
Lh Ll
Support
$6.91
Resistance
$8.84
Bollinger %B
0.37
Inside Bands
Price vs Moving Averages
EMA 9
$7.22
Below
EMA 21
$7.28
Below
EMA 50
$7.51
Below
EMA 200
$8.33
Below
Fundamental Analysis
Valuation
95
Growth
49
Profitability
60
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
5.7×
P/B Ratio
2.46×
PEG Ratio
-0.11
Dividend Yield
13.09%
52W High
$10.35
52W Low
$6.27
Quality & Growth
ROE
5216.1%
ROA
601.5%
Gross Margin
3297.3%
Operating Margin
1620.3%
Revenue Growth YoY
—
Debt / Equity
2.95
AI Fundamental Assessment
P/E ratio of 5.7 (inexpensive relative to a 15-40x range); Price-to-book of 2.5x; PEG ratio of -0.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 52.2%; Return on assets of 6.0%; Net margin of 9.8%; Gross margin of 33.0%; Current ratio of 3.75 (healthy short-term liquidity); Debt-to-equity of 2.95; Free cash flow per share is positive (1.29); Most recent quarter missed estimates by 28.7%; 2 consecutive earnings misses; EPS growth accelerating (-44.4% -> +24.0% QoQ); Analyst estimates rising over recent quarters
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