Western Union (0LVJ) Share Price & Analysis
0LVJ Stock Chart & Stats
- Day’s Range
- $6.08 - $6.26
- 52-Week Range
- $5.91 - $10.34
- Previous Close
- $6.19
- Volume
- 23.19K
- Average Volume (3M)
- 31.98K
- Market Cap
- $1.92B
- Enterprise Value
- $4.19B
- Total Cash (Recent Filing)
- $2.79B
- Total Debt (Recent Filing)
- $2.70B
- Price to Earnings (P/E)
- 4.9
- Beta
- 0.64
- Next Earnings
- Nov 04, 2026 (Est.)
- EPS Estimate
- 0.34
- Last Dividend Ex-Date
- Sep 16, 2026
- Dividend Yield
- 15.45%
Bulls Say, Bears Say
Bulls Say
Digital Channel Growth
Strong digital transaction and revenue growth supports a more scalable distribution model and broader customer engagement. Over time, greater digital adoption can reduce dependence on physical channels, improve convenience, and create a platform for additional payment products.
Consumer Services Diversification
Consumer Services is becoming a materially larger contributor, reducing reliance on traditional money transfers and broadening Western Union’s revenue base. Continued growth in bill pay, travel money, and related services could improve resilience across changing remittance corridors.
Cash Generation And Liquidity
Improving operating cash flow and substantial liquidity provide funding capacity for technology investment, strategic initiatives, and ongoing operations. This cash position gives management greater flexibility to execute its transformation while meeting obligations over the next several quarters.
Bears Say
Revenue And Margin Erosion
Persistent top-line contraction and margin compression weaken earnings quality and indicate that transaction growth is not fully translating into revenue or profit. If this pattern continues, Western Union may have less capacity to reinvest and absorb competitive pricing pressure.
High Financial Leverage
A debt-heavy capital structure limits financial flexibility and makes earnings weakness more consequential. High leverage can constrain capital allocation, increase sensitivity to cash-flow volatility, and leave fewer resources available for investment or strategic opportunities.
Intermex Regulatory Uncertainty
The Intermex transaction remains dependent on antitrust clearance and reinstated California approval, creating uncertainty around timing, integration, and expected benefits. Delays could defer synergies and leave management focused on regulatory execution rather than core operational improvement.
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Western Union Stock Smart Score
Company Description
Western Union
Western Union operates as a global financial services provider, specializing in fund transfers and diverse payment solutions. The company's operations are divided into two main segments: Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer division enables individuals to send money to other individuals, primarily leveraging an extensive network of independent agents and sub-agents. This service covers both international transfers across borders and domestic transactions within a single country, as well as digital transfers facilitated through its websites and mobile applications. Conversely, the Business Solutions segment offers payment and foreign exchange services tailored for small and medium-sized businesses, various organizations, and even individuals. These services predominantly involve cross-border and cross-currency transactions and include financial tools like foreign currency forward and option contracts. Additionally, the company provides bill payment services, allowing individual customers to make payments to businesses and other organizations, alongside offering money orders and other related financial services. Western Union was founded in 1851 and its corporate headquarters are located in Denver, Colorado.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Devin McGranahan
- Employees
- 9,600
- Website
- www.westernunion.com
- Address
- 7001 East Belleview Avenue, Denver, CO, 80237, US
Western Union (0LVJ) Earnings & Revenues
0LVJ Company Deck
0LVJ Earnings Call
Earnings Call SentimentNeutral
Balanced: the company showed resilience in revenue (Q2 $1.0B, only -1% adj), transaction growth (+3% CMT; +25% branded digital transactions), improved cash generation (+45% YTD) and launched strategic initiatives (Beyond Efficiency, USDPT/DAN) aimed at long-term improvement. However, near-term profitability is under clear pressure — adjusted EPS fell to $0.31, adjusted operating margin was 15%, Americas retail and low-RPT digital mix (particularly Middle East partnerships and rapid payout-to-account migration) are compressing contribution profit per transaction, and signing bonuses / higher commissions are raising costs. Management has a concrete cost program and updated 2026 guidance but faces execution and regulatory risks (Intermex timing) while mix shifts persist.
View all GB:0LVJ earnings summaries0LVJ Net sales Breakdown
- 91.92% Consumer-to-Consumer
- 0.68% Business Solutions
- 7.40% Other
0LVJ Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 3 | 5 | 14 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 0 | 0 | 12 |