Western Union stock analysis
Western Union (0LVJ) Share Price & Analysis
0LVJ Stock Chart & Stats
- Day’s Range
- $6.65 - $6.80
- 52-Week Range
- $5.91 - $10.34
- Previous Close
- $6.69
- Volume
- N/A
- Average Volume (3M)
- 39.28K
- Market Cap
- $2.08B
- Enterprise Value
- $3.64B
- Total Cash (Recent Filing)
- $1.10B
- Total Debt (Recent Filing)
- $2.89B
- Price to Earnings (P/E)
- 6.3
- Beta
- 0.58
- Next Earnings
- Feb 09, 2027 (Est.)
- EPS Estimate
- 0.35
- Last Dividend Ex-Date
- Sep 16, 2026
- Dividend Yield
- 13.99%
Bulls Say, Bears Say
Bulls Say
Digital Transaction Growth
Strong digital transaction and revenue growth indicates continued customer adoption of Western Union’s lower-cost online channels. Over time, greater digital engagement can broaden reach, improve operating efficiency, and reduce reliance on physical distribution, although corridor economics still matter.
Consumer Services Diversification
The expanding Consumer Services segment provides a broader revenue base beyond core money transfer activity. Its growth in bill pay, travel money, and related services can reduce concentration in remittances and create additional customer engagement across Western Union’s network.
Improved Balance Sheet
A debt-free latest TTM position strengthens financial flexibility and reduces exposure to interest costs and refinancing pressure. Together with a stronger equity base, this gives Western Union more capacity to fund technology, maintain liquidity, and manage operating volatility.
Bears Say
Revenue And Margin Declines
Multi-year revenue contraction combined with substantial margin compression points to weakening underlying earnings power rather than a single-quarter fluctuation. Persistent pressure would limit reinvestment capacity, reduce resilience, and make future growth more dependent on successful cost actions.
Adverse Transaction Mix
Higher transaction counts are not translating proportionally into revenue because growth is concentrated in lower-revenue-per-transaction corridors and payout-to-account flows. If this mix persists, volume growth may deliver weaker contribution profit and continue to pressure the economics of the core business.
Intermex Regulatory Disruption
The terminated acquisition removes the expected scale and synergy opportunity while exposing Western Union to continuing dispute and execution uncertainty. The regulatory conditions also demonstrate that expansion involving agent relationships and money-transfer licenses can face material strategic constraints.
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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 | 9 | 6 | 7 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 6 | 0 | 6 |













