Insider buying last 90 days
No open-market insider purchases were filed for WU in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every WU insider filing, plotted on the chart in Gekko.Open WU in Gekko
NYSE: WU
Western Union (WU) Stock Analysis & Forecast
Oct 12 close
$6.11−0.01 (−0.2%)
Gekko Brief
AI summaryOct 12 closeWestern Union's week centers on its upcoming Q3 2026 results, scheduled for release on November 4, 2026, alongside continued attention to its Publix partnership, which has been renewed to extend money transfer, money order and bill payment services across Publix stores in the Southeast. An analyst action also lifted a forecast for the stock to USD 0.35. Separately, the Department of Justice has opened the final phase of a fraud remission process tied to transfers sent between 2004 and 2020, with a claims deadline of December 31, 2026.
The stock closed at $6.11, down 0.2% on the day, sitting below both its 50-day average of $6.77 and its 200-day average of $8.30, with the 50-day below the 200-day. Shares have fallen 11.8% over one month, 22.5% over three months and 32.7% over six months, trading near the 52-week low of $5.87 versus a high of $10.35. The GekkoIndex reads 62.7, placing the stock in the Accumulation zone, while the price sits 10% below Gekko Fair Value of $6.79.
Western Union's next earnings date, 22 October 2026, falls 9 days out, inside a typical 20-trading-day holding window, and its last report missed estimates with adjusted EPS of $0.31 versus $0.42 expected, triggering a 21.4% reaction. No insider, Congress or unusual options activity appears in the recent window. Seasonality for this calendar stretch has averaged a 20-day return of -3.6% across 5 years, rising in just 1 of them, a pattern worth noting given the proximity of earnings.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Western Union price vs fair value
Close $6.11200-day averageGekko Fair Value $6.79
Western Union quick facts
- Market cap
- $1.91B
- P/E ratio
- 5.2
- Forward P/E
- 3.9
- EPS, TTM
- $1.23
- Revenue, TTM
- $4.04B
- Profit margin
- 9.8%
- Dividend yield
- 15.40%
- Beta
- 0.55
- Volume
- 6.06M avg 9.48M
- 1-year return
- −24.3%
- Typical daily move
- ±2.9%
- Typical 20-day move
- ±4.7%
- 50-day average
- $6.77
- 200-day average
- $8.30
- Next earnings
- Oct 22
- Shares outstanding
- 311.9M
Western Union swing-trade checklist
Western Union scores 2 supportive, 0 mixed and 3 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive0 mixed3 headwinds
- Trendheadwind
Below 50 and 200-day
Close $6.11 is below the 50-day ($6.77) and 200-day ($8.30) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexsupportive
62.7, Accumulation
Reading 62.7 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
10.0% below
Price is 10% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 10 days
Reports on Oct 22, 2026, 10 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−3.6% on average
From this point in the calendar, the next 20 trading days averaged −3.6% over 5 years, rising in 1 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Western Union stock chart and price history
Western Union closed at $6.11 on Oct 12, 2026, −24.3% over the past year, inside a 52-week range of $5.87 to $10.35.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −11.8%
- 3 months
- −22.5%
- 6 months
- −32.7%
- 1 year
- −24.3%
The full WU chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open WU in Gekko
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About Western Union
Western Union moves money for people and businesses around the world, offering transfers, payments, and related financial services. It is widely recognized for letting individuals send funds to one another, whether across borders or within a single country, through a large network of agents as well as its own websites and mobile apps.
The company runs two main lines of business. One, Consumer-to-Consumer, handles person-to-person transfers using independent agents and sub-agents alongside digital channels. The other, Business Solutions, serves small and medium-sized businesses, organizations, and individuals with cross-border and cross-currency payments, including tools such as foreign currency forward and option contracts. Western Union also offers bill payment services that let individual customers pay businesses and other organizations, plus money orders and similar financial products.
Western Union traces back to 1851 and is headquartered in Denver, Colorado. Its shares are listed on the NYSE under the ticker WU.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Regional banks
- Website
- westernunion.com
Western Union GekkoIndex: the smart money zone
Western Union’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 62.7, in the Accumulation zone, down 3 points over five sessions.
62.7Accumulation
Down 3 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 65 | +1.3% | +4.2% | ||
| Accumulation (current zone) | 280 | −0.4% | −1.6% | ||
| Neutral | 319 | −0.6% | −2.8% | ||
| Distribution | 17 | −3.0% | −5.5% | ||
| Selling | 1 | Too few readings yet | |||
Average WU share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the WU price, zone by zone.Track WU in Gekko
Is Western Union stock overvalued? Gekko Fair Value
Western Union trades 10.0% below Gekko Fair Value of $6.79, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Western Union shares are worth, recalculated every trading day.
$6.79
Gekko Fair Value, Oct 10, 2026
10.0% Undervalued
At the end of Aug 2026 the price was 1.5% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open WU in Gekko
Western Union insider and Congress trading
No open-market insider purchases were filed for Western Union, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in WU were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for WU, plotted on the chart in Gekko.Open WU in Gekko
Buybacks
Western Union has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $11.10M
- As a share of market cap
- 0.58%
- Trailing four quarters
- $142.4M
From company filings.
Western Union earnings: next date and track record
Western Union reports on Oct 22, 2026 (10 days away), and beat the EPS estimate in 4 of its last 8 reports.
Next earnings report
Oct 22, 2026
10 days away
- EPS estimate
- $0.35
- Revenue estimate
- $1.04B
4 of 8reports beat the EPS estimate
±6.6%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 30, 2026 AI summary
- What they said
- Western Union reported Q2 2026 revenue of $1 billion, down 1% adjusted year-over-year, with consumer money transfer transactions growing 3% (best since Q2 2024). Adjusted EPS fell to $0.31 from $0.42 a year ago, missing expectations for the second consecutive quarter. Margin pressure stems from shift to lower-RPT digital payout-to-account transactions (up 55%) and weak U.S. retail (mid-teens negative). Branded digital transactions grew 25%, though revenue growth was muted at 6%.
- Guidance
- Management acknowledged results below expectations for two consecutive quarters and signaled significant cost restructuring to address margin compression. Focus on reducing fixed costs, lowering account payout costs, and improving digital customer acquisition economics. Full-year 2026 outlook to be discussed but specifics not yet provided in excerpt.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 30, 2026 | $0.31 est $0.42 | $1.01B est $1.02B | −21.4% |
| Apr 24, 2026 | $0.25 est $0.39 | $982.7M est $960.6M | +0.4% |
| Feb 20, 2026 | $0.45 est $0.43 | $1.01B est $1.04B | −2.4% |
| Oct 23, 2025 | $0.43 est $0.40 | $1.03B est $1.04B | +10.3% |
| Jul 28, 2025 | $0.42 est $0.44 | $1.03B est $1.04B | −5.7% |
| Apr 23, 2025 | $0.41 est $0.40 | $983.6M est $1.04B | +1.8% |
| Feb 4, 2025 | $0.40 est $0.42 | $1.06B est $1.03B | +7.2% |
| Oct 23, 2024 | $0.46 est $0.44 | $1.04B est $1.03B | −3.8% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Western Union stock forecast and analyst price targets
Analysts’ average 12-month price target for Western Union is $6.80, +11.3% from the last close, from 14 firms rating the stock in the last 90 days.
$6.80consensus 12-month target, +11.3% from the last close
Now $6.11Avg $6.80
Low $6High $8
Each firm’s latest rating in the last 90 days: 14 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 9 | Barclays | $6 | −1.8% |
| Oct 8 | Oppenheimer | — | — |
| Oct 5 | KBW | $6.50 | +6.4% |
| Oct 1 | RBC Capital | $8 | +30.9% |
| Sep 29 | UBS | $6.25 | +2.3% |
−1.6%average 20-day move after past Accumulation readings
−3.6%average move over the next 20 trading days in the last 5 years
±2.9%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Western Union seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Western Union averaged −3.6% across the last 5 years, rising in 1 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +3.3% | 5 of 5 |
| Next 10 trading days | +2.4% | 3 of 5 |
| Next 15 trading days | −2.3% | 1 of 5 |
| Next 20 trading days | −3.6% | 1 of 5 |
| Next 30 trading days | −4.9% | 2 of 5 |
For scale, WU’s typical 20-trading-day move in either direction is about 4.7%.
Western Union market cap and key statistics
Western Union’s market cap is $1.91B, with a P/E ratio of 5.2 and revenue of $4.04B over the last twelve months.
Valuation
- Market cap
- $1.91B
- P/E ratio
- 5.2
- Forward P/E
- 3.9
- EPS, TTM
- $1.23
- Gekko Fair Value
- $6.79
Trading
- Volume
- 6.06M
- Avg volume, 20 days
- 9.48M
- 52-week high
- $10.35
- 52-week low
- $5.87
- Shares outstanding
- 311.9M
Financials
- Revenue, TTM
- $4.04B
- Profit margin
- 9.8%
- Return on equity
- 44%
- Quarterly earnings growth, YoY
- −35.1%
Risk and income
- Beta
- 0.55
- Typical daily move
- ±2.9%
- Typical 20-day move
- ±4.7%
- Dividend yield
- 15.40%
Western Union stock news this week
Coverage of Western Union this week reads positive: 5 positive, 1 neutral and 4 negative headlines.
- Western Union to Release Third Quarter 2026 Results on November 4, 2026Business Wire, Oct 12
- Form 4 Western Union Co For: 11 October By Investing.comInvesting.com Nigeria, Oct 11
- Western Union Renews Publix Deal: Can it Support Transaction Growth?Yahoo Finance UK, Oct 9
- Western Union Yields Nearly 15%. These 6 Dividend Stocks Could Be Headed for a Painful Cut24/7 Wall Street, Oct 9
- Zacks lifts forecast for Western Union stock to USD 0.35AD HOC NEWS, Oct 8
- Last Shot: Western Union Fraud Victims Have Until Dec. 31 to Claim Federal MoneyLatin Times, Oct 8
Western Union peers
Western Union’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 5.7% below |
| USBU.S. Bancorp | Accumulation | 11.0% below |
| NUNu | Neutral | 0.7% below |
| TFCTruist Financial | Accumulation | 9.6% below |
| FITBFifth Third Bancorp | Accumulation | 11.2% below |
| MTBM&T Bank | Accumulation | 9.1% below |
A peer links to its own page where one exists.
Western Union stock FAQ
What is Western Union’s market cap?
Western Union’s market cap is $1.91B at the Oct 12, 2026 close of $6.11, with 311.9M shares outstanding. The shares trade on a P/E ratio of 5.2.
What is the Western Union stock forecast?
The consensus analyst 12-month price target for Western Union is $6.80, +11.3% from the last close. Of the 14 firms that rated the stock in the last 90 days, 0 rate it a buy, 7 a hold and 7 a sell. Gekko doesn’t publish price predictions of its own.
Is Western Union stock overvalued or undervalued?
On Gekko’s estimate Western Union is undervalued: the Oct 12, 2026 close of $6.11 is 10.0% below Gekko Fair Value of $6.79. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Western Union report earnings next?
Western Union is expected to report on Oct 22, 2026 (10 days away). Analysts expect earnings of $0.35 per share on revenue of $1.04B. Western Union beat the earnings estimate in 4 of its last 8 reports, moving 6.6% on average across the report.
What is Western Union’s 52-week high and low?
Western Union’s 52-week high is $10.35 and its 52-week low is $5.87; it closed at $6.11 on Oct 12, 2026, −24.3% over the past year. Over the last five years the shares peaked at $21.40 on Oct 15, 2021.
Is Western Union stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (gekkoindex and fair value) and 3 as headwinds (trend, earnings risk and seasonality). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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