MARKET WIREReuters • 3h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
Why WU Stock advanced +1.97% Today — RQD Quant Desk Flash
$6.21 +1.97% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $6.22
Western Union Company (WU) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
ROARABLE C+ • HOLD / WATCH
Cap $1.94B
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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?
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As of 2026-11-01, Western Union Company (NYSE: WU) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $6.21 (+1.97% 1D, market cap $1.94B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 13/20. Across 1011 tracked Consumer Discretionary issuers, WU ranks #217 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?
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Within the Consumer Discretionary sector (Business Services), WU carries a Roarable C+ (68/100 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 (46/100 RQD, P/E N/A, ROIC -0.4%, cap $2.27B) and FLYW (Flywire Corporation Voting) posts a C grade (62/100 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?
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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: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. 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:
EXT / AFTER-HRS: $6.22 (+0.16%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 13% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERHOLD / WATCH • C+
2-of-3 JEV AI Jury Bullish
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 B · Rk C
Each axis scored 0–20
12M PRICE TARGET CONE+4.5% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for WU)Realized 20D OHLCV Swing Band: ±6.2%
Deterministic 5-Pillar Attribution (68/100 Composite)
🔍 WHY WU SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+16/20 pts (24% of score)
SEC XBRL FY 2025 (10-K): 13% FCF Margin ($505.2M FCF) & 34.3% Gross Margin
▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (22% of score)
FRED Regime × Technicals: 8% of 52W Range • RSI-14 at 46.3 (NEUTRAL RANGE)
▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk10/20 pts (-10 pt drag)
Balance-sheet & 10-K footnote risk deducts 10 pts from forensic ceiling
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C$6.12+0.8% Next Q
60
Q2 (-2Q)Grade C+$6.17+2.8% Next Q
63
Q3 (-1Q)Grade C+$6.34-2.1% Next Q
65
CurrentGrade C+$6.21+1.8% Hist 90D α
68
Trajectory: C (60) → C+ (68)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the WU Bull Thesis Could Fail
Even with a 68/100 (C+) score, WU faces multiple-compression risk if 3.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 31.8% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($6.49) or 200D SMA ($8.07) invalidates the momentum regime and cuts Target Base ($6.49) toward Bear Floor ($5.06).
🎲 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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why WU Stock advanced +1.97% Today — RQD Quant Desk Flash
Western Union Company (WU) advanced +1.97% to $6.21, trading at 8% of its 52-week range ($5.87 – $10.35). Solid 34% profit margin (85% return on capital), mixed timing at 4x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 8% of its 52-week range ($5.87 – $10.35) with RSI-14 at 46.3 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±6.2% around $6.21 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C+ (Hold) backed by 34.3% gross margin and $505.2M annual free cash flow.
Live WU Headlines & Catalysts
MARKET WIREReuters • 3h ago
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MARKET WIREReuters • 4h ago
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MARKET WIREReuters • 6h ago
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MARKET WIRECNBC • 8h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
MARKET WIRECNBC • 8h ago
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RISK WATCHReuters • 10h ago
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MARKET WIREReuters • 11h ago
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Scheduled RQD Strong Buys & Whale Accumulation Briefing (WU Tape Review)
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- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
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WU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -31.68%⚡ TESTING RESISTANCE
2026-10-30O $6.28H $6.28L $6.06C $6.21VOL 8.44M
RES: $6.25SUP: $5.66SMA50: $6.49SMA200: $8.07
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
WU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 #217 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 #217 by composite RQD confidence (68/100, grade C+) 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. WU currently leads its immediate peer cohort in composite quantitative strength at 68/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| WU
ACTIVE
Western Union Company | C+ | 68/100 | 3.9x | 34.3% | 85.0% | +1.97% | $1.94B | Benchmark Subject |
| TIC TIC Solutions Inc. | D | 46/100 | — | 29.4% | -0.4% | +3.90% | $2.27B | /tic-vs-wu → |
| FLYW Flywire Corporation Voting | C | 62/100 | — | — | 1.8% | +1.90% | $2.35B | /flyw-vs-wu → |
| PAYO Payoneer Global Inc. | C+ | 66/100 | 33.0x | — | 34.1% | 0.00% | $2.41B | /payo-vs-wu → |
| RDWR Radware Ltd. | D | 47/100 | 76.5x | 80.7% | 3.7% | -1.40% | $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 0001365135In 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 ENABLEDIs WU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, Western Union Company (NYSE: WU) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $6.21 (+1.97% 1D, market cap $1.94B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 13/20. Across 1011 tracked Consumer Discretionary issuers, WU ranks #217 in composite RQD confidence.
How does WU compare to TIC and FLYW in the Consumer Discretionary sector?
Within the Consumer Discretionary sector (Business Services), WU carries a Roarable C+ (68/100 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 (46/100 RQD, P/E N/A, ROIC -0.4%, cap $2.27B) and FLYW (Flywire Corporation Voting) posts a C grade (62/100 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).
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: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is WU trading relative to its 50-day, 200-day, and 52-week technical levels?
WU last traded at $6.21 (+1.97% on volume of 6,969,096 shares), positioning the stock -4.31% below its 50-day simple moving average ($6.49) and -23.05% below its 200-day simple moving average ($8.07). Across its 52-week range of $5.87 to $10.35, WU sits at the 7.6% percentile with a 14-day RSI of 46.3 (NEUTRAL RANGE) and an implied next-earnings move of ±6.2% ($5.82 to $6.60).
WU Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is WU stock moving today?
Why WU Stock advanced +1.97% Today — RQD Quant Desk Flash. Solid 34% profit margin (85% return on capital), mixed timing at 4x P/E—hold if owned, no rush to chase.