Western Union Company (WU)

The Western Union Co. stock price has declined by 21.32% over the past year. In Q1 2025, revenue declined by 6% year-over-year, although transactions increased by 3%. In Q2 2025, adjusted revenue was down 1% year-over-year, and operating margins were negatively affected. Western Union signed an agreement to acquire International Money Express, Inc. in August 2025. In Q3 2025, the company reported flat sales year-over-year but beat revenue expectations, with digital business transaction growth accelerating. Western Union launched its U.S. Dollar Payment Token (USDPT) and a new Digital Asset Network in October 2025. Western Union introduced its "Beyond" strategy in November 2025, outlining a digital-first expansion plan. The company announced a quarterly dividend of $0.235 per share. Analysts have generally trimmed ratings and price targets, with a consensus rating of "Reduce" and an average target price of $8.70.

Western Union's products and services exhibit some demand seasonality. Growth in its Consumer Services segment will likely be lower in the fourth quarter compared to the third quarter due to seasonal factors. The travel money business typically experiences a strong third quarter, benefiting from the summer travel season.

The Western Union Co. is a global leader in cross-border, cross-currency money movement, payments, and digital financial services, operating within the financial services sector. Its primary business involves facilitating money transfers for various entities. Western Union offers consumer money transfer services, bill payment, money orders, retail foreign exchange, prepaid cards, affiliate lending programs, and digital wallets. In October 2025, Western Union launched its U.S. Dollar Payment Token (USDPT) and a new Digital Asset Network to enhance treasury operations and offer faster, more secure, and cheaper cross-border transactions using blockchain technology.

Western Union has a vast global presence, operating in over 200 countries and territories across the Americas, Europe, the Middle East, Africa, and the Asia Pacific region. The company distributes its services through an extensive network of agents and subagents, including post offices, banks, retailers, and its growing digital channels. Its headquarters are located in Denver, Colorado, USA, with other key operational centers globally, such as Pune, India.

In July 2024, Western Union underwent a significant rebrand to modernize its image and align with digital trends. The company's "Evolve 2025" strategy focuses on digital growth, improving products, and enhancing customer experience. The company has received past recognitions for its ESG efforts.

Approximately 98.78% of the company's stock is held by institutional shareholders, while insiders own 2.79%, and retail investors hold 0.00%. The largest institutional owners include Vanguard Group Inc., Blackrock Inc., and Schroder Investment Management Group.