WU · NYSE · STOCK
The Western Union (WU) Stock Analysis
$6.11
52W $5.87 – $10.35
52/100
$1.91B
4.9
0.55
Is WU Bullish or Bearish?
Mixed.
Innellis AI committee rates The Western Union Company (WU) Watch with a composite score of 52/100
, based on 6 analysts with 33% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +8.23 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 — -11.77 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. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 4.8 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 October 10, 2026
Overall Committee Score
52/100
Agreement
33%
Analysts
6
Conviction
Contested
Sector Rank
Top 91%
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 4.8 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
33
/ 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
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 51.8 to 51.8.
- Committee agreement fell notably from 50% to 33%.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) changed stance: News Analyst.
Analyst-level changes:
- News Analyst: stance bullish->neutral.
- Risk Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
44.2
Neutral
MACD Histogram
0.048
Bullish Momentum
Trend Direction
Downtrend
Weekly: Downtrend
Market Structure
Lh Ll
Bollinger %B
0.39
Inside Bands
Price vs Moving Averages
EMA 9
$6.15
Below
EMA 21
$6.31
Below
EMA 50
$6.75
Below
EMA 200
$7.90
Below
Fundamental Analysis
Valuation
97
Growth
49
Profitability
60
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
4.9×
P/B Ratio
2.09×
PEG Ratio
-0.09
Dividend Yield
15.36%
52W High
$10.35
52W Low
$5.87
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 4.9 (inexpensive relative to a 15-40x range); Price-to-book of 2.1x; 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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