WU's Quality Score rose 1 point on Tue, Nov 10, to -1. Its high and its low were both higher than the day before.
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Up 16% from Oct 27 to Nov 10.
Down 42% over the five years to Nov 9 while the S&P 500 rose 72%; up 16% since Oct 27.
4 reasons, from its filings, with the timeline and its peers, for Pro members.
| Since its 2022 high | Down 66% |
| Latest filing | 8-K, Nov 4 |
After its last 4 reports it closed -4.3% on average, higher 1 of 4 times.
Poorfor quality, not price, 2 of 14 chart checks firingWhat the Quality Score means
WU is #58 of 66 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 58 |
Share count against a year before: WU -2.9%, BILL -15%, RELY +2.7%, IMXI +2%.
Expected to report Thu Feb 18, after the close (in 100 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
Revenue of $1.0B, 2% less than a year ago; a profit of $0.25 a share, from $0.43.
“The decline in adjusted revenue was largely driven by a slowdown in the North America retail business partially offset by growth in our Branded Digital and Consumer Services businesses.”
| Line | Q3 2026 | Q2 2026 | Q3 2025 |
|---|---|---|---|
| Consumer money transfers | $831M | $840M | $847M |
Each quarter's sales and their share of its total. Figures as filed (SEC filing, Nov 4)
No outlook figures read from this release.
“The decrease in the GAAP EPS was primarily due to lower revenues and higher one-time expenses related to our Beyond efficiency program and a higher GAAP tax rate, partially offset by lower shares outstanding.”
From its results filing (SEC filing · Nov 4)
Sales fell 3.5% a year over 5 years, fiscal 2020 to 2025.
Pays $0.94 a share a year.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Nov 4, 2026 | +7.4% | +6.5% | not yet |
| Jul 30, 2026 | -7.9% | -17.3% | -6.9% |
| Apr 24, 2026 | -10.4% | -4.6% | -2.6% |
Sales grew in one of the last seven years, to $4.1B in 2025. It made a profit in each of the eight years.
RSI 65.0, MACD above signal, above its 50-day, below its 200-day. Not scored.
Its dividends come to 71% of its free cash flow.
| Dividend | $0.94 a share a year |
| Paid out | About $295M a year |
| Free cash flow | $413M |
5 trades disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: WU is under 0.1% of SCHD, under 0.1% of VYM, and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Aug 31, 2026.
Western Union provides domestic and international money transfers through its global network of over 500,000 outside agents. The company handled almost 290 million transactions in 2025 and is the largest money transfer company in the world.
“We face robust competition in the highly fragmented consumer money transfer industry.”
WU scores -1 today, which Breakaway calls Poor. It is #58 of 66 in Services-Business Services by Quality Score, with 2 of 14 chart checks firing. Up 16% from Oct 27 to Nov 10. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
WU scores -1 today, which Breakaway calls Poor (below zero). That is #58 of 66 in Services-Business Services by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind WU's -1.
Expected to report Thu Feb 18, after the close, a date Breakaway expects from the company's usual timing; the company has not confirmed it. WU closed higher after 1 of its last 4 reports. Past behavior, not a forecast.
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Insider and Congress trades, the chart, and the financials, in one score.
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