Stock Ratings / Consumer Discretionary / WU

TIC (48) FLYW (63) PAYO (65) RDWR (58) ⌘ Pro Terminal →

Western Union Company (WU) — RQD Stock Rating Cockpit

$6.16 -0.80% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $6.14

Western Union Company (WU) carries a Roarable Rating of D+ (Sell) with 52/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $1.94B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on WU Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is WU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-02, Western Union Company (NYSE: WU) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $6.16 (-0.80% 1D, market cap $1.94B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 1011 tracked Consumer Discretionary issuers, WU ranks #523 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does WU compare to TIC and FLYW in the Consumer Discretionary sector?

▼

Within the Consumer Discretionary sector (Business Services), WU carries a Roarable D+ (52/100 RQD), trailing P/E of 3.9x, gross margin of 34.3%, and ROIC of 85.0%. By comparison, TIC (TIC Solutions Inc.) holds a D grade (48/100 RQD, P/E N/A, ROIC -0.4%, cap $2.27B) and FLYW (Flywire Corporation Voting) posts a C grade (63/100 RQD, P/E N/A, ROIC 1.8%, cap $2.35B). Among the 5-stock peer group, WU leads on earnings multiple (3.9x) while WU leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for WU?

▼

Per WU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001365135), Western Union Company generated $3.88B in revenue (-3.7% YoY), $499.6M in net income, and $505.2M in free cash flow against $8.31B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (34% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $6.14 (-0.33%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 13% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY • 50.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-2.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WU)Realized 20D OHLCV Swing Band: ±6.2%

Deterministic 5-Pillar Attribution (52/100 Composite)

🔍 WHY WU SCORES 52/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+16/20 pts (31% of score)

SEC XBRL FY 2025 (10-K): 13% FCF Margin ($505.2M FCF) & 34.3% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$6.11+0.8% Next Q

Q2 (-2Q)

Grade D$6.16+0.8% Next Q

Q3 (-1Q)

Grade D$6.21-0.8% Next Q

Current

Grade D+$6.16-1.1% Hist 90D α

Trajectory: D (44) → D+ (52)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a WU Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While WU currently carries a cautious 52/100 (D+) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Strong cash generator (34% profit margin)—profits are backed by real money, not accounting tricks.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($6.47) and Max Pain ($6.47) forces dealer call-delta covering toward $10.87.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $WU• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “WU Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 52%NO 48%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

48.230 Oversold · 70 Hot

ALTMAN-Z SHIELDDISTRESS RISK (<1.8)

0.92>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE6% OF RANGE

L: $6$6.16H: $10

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (34% profit margin and healthy balance-sheet cushion).

Factor Grade: B+RQD 16 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 19 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 17 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on WU

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (80)

85.0% ROIC with 34.3% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 0.92 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (43)

19/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like WU

✓Strong cash generator (34% profit margin)—profits are backed by real money, not accounting tricks.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring WU)

✓Walkthrough of WU's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

WU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -32.90%⚡ TESTING RESISTANCE

2026-11-02O $6.09H $6.21L $6.09C $6.16VOL 6.97M

RES: $6.21SUP: $5.65SMA50: $6.47SMA200: $8.05

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

WU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 WU Butterfly Map → + Track WU →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-15.0%/yr Implied 5Y Growth

vs. -3.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on WU today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for WU. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for WU today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (WU)

Consumer Discretionary Rank #523 of 1011 ⚔️ TIC vs WU Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (WU vs. TIC, FLYW, PAYO, RDWR)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Western Union Company (WU) ranks #523 by composite RQD confidence (52/100, grade D+) and #420 by equity capitalization ($1.94B). Within this direct 5-issuer industry benchmark cohort, WU leads on earnings valuation at 3.9x trailing P/E, while WU leads on capital efficiency and profitability with 85.0% ROIC and 34.3% gross margin. PAYO currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with WU at 52/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
WU ACTIVE Western Union Company	D+	52/100	3.9x	34.3%	85.0%	-0.80%	$1.94B	Benchmark Subject
TIC TIC Solutions Inc.	D	48/100	—	29.4%	-0.4%	-3.27%	$2.27B	/tic-vs-wu →
FLYW Flywire Corporation Voting	C	63/100	—	—	1.8%	+2.07%	$2.35B	/flyw-vs-wu →
PAYO Payoneer Global Inc.	C	65/100	33.0x	—	34.1%	+0.42%	$2.41B	/payo-vs-wu →
RDWR Radware Ltd.	D+	58/100	76.5x	80.7%	3.7%	-5.62%	$1.55B	/rdwr-vs-wu →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001365135

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Western Union Company (WU) reported GAAP revenue of $3.88B (-3.7% vs. FY2024 revenue of $4.03B , and -6.7% cumulative change since FY2023) , GAAP net income of $499.6M, operating cash flow of $543.7M, and free cash flow of $505.2M (+36.9% YoY). On the balance sheet, WU closed FY2025 with $8.31B in total assets against $0 in total debt (Altman Z-Score: 0.92, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$3.88B	$499.6M	$543.7M	$505.2M	$8.31B	—
FY2024 (FY)	2024-12-31	$4.03B	$934.2M	$406.3M	$368.9M	$8.37B	—
FY2023 (FY)	2023-12-31	$4.16B	$626.0M	$783.1M	$783.1M	—	—

3. WU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is WU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does WU compare to TIC and FLYW in the Consumer Discretionary sector?

What are the biggest fundamental strengths and SEC risk factors for WU?

Where is WU trading relative to its 50-day, 200-day, and 52-week technical levels?

WU last traded at $6.16 (-0.80% on volume of 8,443,528 shares), positioning the stock -4.79% below its 50-day simple moving average ($6.47) and -23.48% below its 200-day simple moving average ($8.05). Across its 52-week range of $5.87 to $10.35, WU sits at the 6.5% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of ±6.2% ($5.78 to $6.54).

WU Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell WU stock right now?

Western Union Company (WU) currently earns a Roarable Rating of D+ (Sell — SELL) with 52/100 RQD Confidence. Stretched risk/reward at 4x P/E (85% return on capital) under elevated 10-year interest-rate pressure.

What is WU's 12-month price target and RQD AI Jury consensus?

WU's 12-month base price target is $5.99 (range $4.67 to $10.87), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: WU RQD Cockpit WU 12M Forecast WU Earnings & Move WU Dividends & DRIP WU Insiders & 13F WU Whale Options WU Profit Sankey WU News & Why