Stock Ratings / Consumer Discretionary / WU / options

TIC (46) FLYW (62) PAYO (66) RDWR (47) ⌘ Pro Terminal →

Western Union Company (WU) Options Positioning, Max Pain & Unusual Sweeps

$6.21 +1.97% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

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

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

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%

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±6.2%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (WU)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for WU.

Sponsored / Partner SpotlightACTIVE TRADER & PROP EVALUATION DESK

Practice in Our Weekly $100,000 Paper Arena Before Risking Personal Capital

Keep your personal nest egg in cash while trading NQ, ES, Crude, and Gold momentum using institutional prop-desk buying power.

FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

🏆 Enter Free $100K Paper Arena →

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating WU & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on WU
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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: -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

🦋 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 #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 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?

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 × FRED

What is WU's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for WU.

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