The Western Union (WU) Stock: Buy, Sell, or Hold?
WU - The Western Union Company
$6.00
-0.02 (-0.33%)
▼
5d:
-2.91%
30d:
-17.81%
90d:
-24.81%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 22, 2026
18d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: WU shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: WU shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$11.81
Based on 10.9% avg growth
INTRINSIC VALUE TODAY
$7.33
18.2% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 4.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WU is currently trading at $6.00, which is considered oversold relative to its 30-day fair value range of $6.18 to $7.20. From a valuation perspective, the stock is trading at a discount (Forward PE: 4.0) compared to its historical average (4.7). Remarkably, the market is currently pricing in an annual earnings decline of 5.3% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, WU is in a strong downtrend. The price is currently testing key support at $5.87. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: WU scores 87/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $6.88 (+14.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, WU is in a strong downtrend. The price is currently testing key support at $5.87. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: WU scores 87/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $6.88 (+14.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$6.18 -
$7.20
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
88.1%
Protect Your Profits
Holding WU? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (87/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($6.88)
- CAUTION: Bottoming setup, but lagging the sector by 31% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$6.18 -
$7.20
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$5.87
Resistance Level
$6.37
Current Trend
Strong Downtrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
3.98
Wall Street Target
$6.88
(+14.6%)
Revenue Growth (YoY)
-1.3%
Earnings Growth (YoY)
-35.1%
Profit Margin
9.8%
Valuation Discount vs History
-5.3% cheaper
PE vs Historical
4.0 vs 4.7
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-5.3%
(market-implied from PE analysis)
1-Year Target
$5.68
(-5%)
2-Year Target
$5.38
(-10%)
3-Year Target
$5.10
(-15%)
3-Yr Target (if PE normalizes)
(PE: 4→5)
$6.02
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 17.7%)
$50.16
(+736%)
Base:
(SPY PE: 4.0, Growth: 17.7%)
$9.78
(+63%)
Bear:
(PE: 3.4, Growth: 17.7%)
$8.31
(+39%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (5x PE), but valuation improves significantly next year (4x PE) as earnings recover.
Trailing PE: 4.74 | Current EPS (TTM): $1.27
Bull Case
$7.87
(+31%)
Analyst growth 18.8%, PE expands to 5.2
Base Case
$7.15
(+19%)
Market implied 18.8%, PE stable at 4.7
Bear Case
$4.09
(-32%)
Severe decline -20.0%, PE contracts to 4.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 4.0 to 4.7
Stabilization Target:
$7.09
(+18.2%)
PE Expansion Potential:
+18.2%
Share & Embed Analysis
Last updated: October 03, 2026 1:11 AM ET
Data refreshes hourly during market hours. Next update: 2:11 AM
Data refreshes hourly during market hours. Next update: 2:11 AM
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Technical Signals Check
Is WU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced WU Option Strategies
Professional options setups generated by AI based on today's WU price and gamma walls.
