Western Union (NYSE:WU) Trading Down 5.5% – Should You Sell?

Shares of The Western Union Company (NYSE:WU) were down 5.5% during mid-day trading on Friday . The stock traded as low as $8.90 and last traded at $8.9170. Approximately 5,680,265 shares traded hands during trading, a decline of 32% from the average daily volume of 8,394,221 shares. The stock had previously closed at $9.44.

More Western Union News

Here are the key news stories impacting Western Union this week:

• Positive Sentiment: Q4 adjusted EPS beat — Western Union reported $0.45 adjusted EPS versus ~$0.43 expected, driven by lower operating costs which helped margins. Western Union’s Q4 Earnings Beat Estimates on Lower Costs
• Positive Sentiment: Revenue guidance lifted/above recent consensus — management set FY‑2026 revenue guidance of $4.2B–$4.4B, which is higher than some street estimates and signals management sees revenue stabilization over the year. Western Union Reports Fourth Quarter and Full Year 2025 Results
• Neutral Sentiment: Company emphasizes digital growth and cost control — management highlighted digital and branded-digital growth helping offset declines in legacy retail, a strategic note that may limit downside if digital adoption continues. The Western Union Company (WU) Q4 2025 Earnings Call Transcript
• Neutral Sentiment: Company provided full earnings materials (press release, slide deck, call transcript) for investors to review guidance detail and the management outlook. Press Release / Slide Deck
• Negative Sentiment: Revenue missed estimates — Q4 revenue was roughly $1.0B versus consensus near $1.04B, a ~4–5% year-over-year decline, which was the primary driver of the negative market reaction. What’s Going On With Western Union Stock Today?
• Negative Sentiment: Core Consumer Money Transfer weakness — the legacy retail/transfers business declined (~7% y/y in the quarter), highlighting competitive pressure from digital players and structural headwinds to the company’s largest segment. Does Western Union’s Earnings Beat Mean Its Transition Is Working?
• Negative Sentiment: Market reaction and higher trading volume — shares are trading down with above‑average volume as investors digest the revenue miss and structural concerns despite the EPS beat. Western Union Stock Drops Amid Q4 Results

Wall Street Analysts Forecast Growth

WU has been the subject of several recent analyst reports. Keefe, Bruyette & Woods lifted their price target on Western Union from $9.00 to $10.00 and gave the company a “market perform” rating in a research note on Friday, January 2nd. Citigroup upgraded Western Union to a “hold” rating in a research report on Thursday, October 23rd. Weiss Ratings reaffirmed a “hold (c-)” rating on shares of Western Union in a research note on Wednesday, January 21st. Susquehanna increased their target price on Western Union from $9.00 to $10.00 and gave the company a “neutral” rating in a research report on Monday, November 10th. Finally, UBS Group boosted their price target on shares of Western Union from $8.50 to $9.00 and gave the stock a “neutral” rating in a report on Monday, November 10th. Ten analysts have rated the stock with a Hold rating and five have issued a Sell rating to the company’s stock. According to data from MarketBeat.com, the stock currently has a consensus rating of “Reduce” and an average price target of $8.82.

Western Union Stock Down 2.0%

The firm has a market cap of $2.94 billion, a price-to-earnings ratio of 4.04, a PEG ratio of 3.09 and a beta of 0.52. The business has a fifty day simple moving average of $9.52 and a 200 day simple moving average of $8.88. The company has a debt-to-equity ratio of 2.80, a current ratio of 1.12 and a quick ratio of 1.12.

Western Union (NYSE:WU) last issued its quarterly earnings results on Friday, February 20th. The credit services provider reported $0.45 EPS for the quarter, topping the consensus estimate of $0.43 by $0.02. Western Union had a return on equity of 60.85% and a net margin of 18.80%.The firm had revenue of $1 billion during the quarter, compared to analysts’ expectations of $1.04 billion. During the same period in the previous year, the business earned $0.40 earnings per share. The firm’s revenue for the quarter was down 4.7% on a year-over-year basis. Western Union has set its FY 2026 guidance at 1.750-1.850 EPS. As a group, equities analysts forecast that The Western Union Company will post 1.79 EPS for the current fiscal year.

Western Union Announces Dividend

The firm also recently disclosed a quarterly dividend, which was paid on Wednesday, December 31st. Investors of record on Monday, December 22nd were paid a dividend of $0.235 per share. This represents a $0.94 annualized dividend and a yield of 10.2%. The ex-dividend date of this dividend was Monday, December 22nd. Western Union’s dividend payout ratio is currently 41.05%.

Institutional Inflows and Outflows

Several institutional investors and hedge funds have recently made changes to their positions in the stock. RiverFront Investment Group LLC increased its stake in shares of Western Union by 4.7% in the 4th quarter. RiverFront Investment Group LLC now owns 28,662 shares of the credit services provider’s stock worth $267,000 after acquiring an additional 1,278 shares during the last quarter. Fifth Third Bancorp grew its holdings in shares of Western Union by 67.0% in the fourth quarter. Fifth Third Bancorp now owns 3,331 shares of the credit services provider’s stock valued at $31,000 after purchasing an additional 1,336 shares during the period. Kelleher Financial Advisors increased its position in Western Union by 16.0% during the fourth quarter. Kelleher Financial Advisors now owns 9,992 shares of the credit services provider’s stock worth $93,000 after purchasing an additional 1,381 shares during the last quarter. Kestra Investment Management LLC raised its stake in Western Union by 0.6% during the fourth quarter. Kestra Investment Management LLC now owns 239,428 shares of the credit services provider’s stock worth $2,229,000 after purchasing an additional 1,398 shares during the period. Finally, Michels Family Financial LLC boosted its holdings in Western Union by 3.2% in the 3rd quarter. Michels Family Financial LLC now owns 46,722 shares of the credit services provider’s stock valued at $373,000 after purchasing an additional 1,436 shares during the last quarter. 91.81% of the stock is currently owned by institutional investors and hedge funds.

Western Union Company Profile

Western Union Company (NYSE: WU) is a global leader in cross-border, cross-currency money movement and payments. The company enables individuals and businesses to send and receive money through a variety of channels, including its vast agent network, online platforms, and mobile applications. Core services include person-to-person money transfers, business-to-business cross-border payments, bill payment services and prepaid card programs.

Through its digital offerings, Western Union provides customers with the ability to initiate transfers via its website and mobile app, as well as track transactions in real time.