Western Union Company (The) Common Stock (WU)

FairStock Score: 68/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

In the Graham-Buffett tradition, I start with the business. Western Union is a global money-movement network, with retail agents and digital channels. That network is a moat, but it is not widening. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $971.9 million and net income $76.7 million, down from revenue of $983.6 million and net income of $122.1 million in fiscal Q2 2025, the quarter ended 2025-06-30. For FY2025, revenue was $3.9 billion and diluted EPS was $1.52; FY2024 had revenue of $4.0 billion and diluted EPS of $2.74. The Lynch category given is slow grower—shrinking, with profits down 7.7% a year over five years and revenue down 3.5%. The balance sheet gives me pause. FairStock's Altman Z-Score is 0.36, and debt-to-equity is 2.95. High ROE of 43.97% is flattered by leverage, while ROCE is only 5.12%. Yet cash generation is real: trailing free cash flow is $424.1 million, a 22.3% FCF yield. At the 2026-10-13 close of $6.10, FairStock calculates P/E 4.92, EV/EBITDA 3.89, Graham Number $9.04, and a 32.52% margin of safety. Piotroski F-Score is 7/9. So the price already reflects pessimism. But cheapness without stability can be a trap; I would need evidence that profit erosion is slowing and that debt is serviceable before calling this a true value.

In plain English: Western Union moves money for people around the world, mainly through agents and its app or website. The business still produces cash, but sales and profits have been shrinking, and it carries a lot of debt. At $6.10 a share, the market price looks low compared with its earnings and cash flow, though the falling profit trend makes it hard to call clearly safe or cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer