WU
The Western Union Company Financial Services - Money Transfer Investor Relations →
The Western Union Company (WU) closed at $6.93 as of 2026-09-11, trading 23.0% below its 200-week moving average of $9.00. This places WU in the extreme value zone. The stock is currently moving closer to the line, down from -20.4% last week. The 14-week RSI sits at 48, indicating neutral momentum.
Trading volume is running at 0.6x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.09 ratio) is neutral — neither side is clearly dominating.
Over the past 992 weeks of data, WU has crossed below its 200-week moving average 18 times. On average, these episodes lasted 28 weeks. Historically, investors who bought WU at the start of these episodes saw an average one-year return of +11.7%.
With a market cap of $2.2 billion, WU is a mid-cap stock. The company generates a free cash flow yield of 16.5%, which is notably high. Return on equity stands at 44.0%, indicating strong profitability. The stock trades at 2.4x book value.
The company has been aggressively buying back shares, reducing its share count by 15.5% over the past three years.
Over the past 19.1 years, a hypothetical investment of $100 in WU would have grown to $71, compared to $707 for the S&P 500. WU has returned -1.8% annualized vs 10.8% for the index, underperforming the broader market over this period.
Free cash flow has been growing at a 1.7% compound annual rate, with 4 consecutive years of positive cash generation. A business generating more cash every year while trading below its 200-week moving average is exactly the kind of disconnect value investors look for.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: WU vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After WU Crosses Below the Line?
Across 18 historical episodes, buying WU when it crossed below its 200-week moving average produced an average return of +10.6% after 12 months (median +12.0%), compared to +8.8% for the S&P 500 over the same periods. 67% of those episodes were profitable after one year. After 24 months, the average return was +8.4% vs +23.7% for the index.
Each line shows $100 invested at the moment WU crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices WU would reach each dislocation threshold.
Dislocation Price Levels
Prices where WU's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-10-22.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $6.57 | Unusually cheap — analysis point |
| Value | +1σ | $7.04 | Cheap vs. own history |
| Fair Value | +0σ | $7.58 | Historical mean behavior |
| Expensive | -1σ | $8.22 | Expensive vs. own history |
| Deep Expensive | -2σ | $8.97 | Unusually expensive — analysis point |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Recent Earnings
| Date | EPS Est. | EPS Actual | Surprise |
|---|---|---|---|
| 2026-07-30 | $0.42 | $0.31 | -26.3% |
| 2026-04-24 | $0.39 | $0.25 | -36.4% |
| 2026-02-20 | $0.43 | $0.45 | +4.0% |
| 2025-10-23 | $0.43 | $0.47 | +9.5% |
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
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Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are analysis points: prices at which the yield deviation becomes unusual enough to justify the work. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from WU's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. Each one is an analysis point, a reason to open the filings. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
WU has crossed below its 200-week MA 18 times with an average 1-year return of +11.7% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Sep 2007 | Oct 2007 | 6 | 13.6% | +26.9% | -26.0% |
| Jan 2008 | Jan 2008 | 3 | 4.8% | -29.4% | -30.3% |
| Feb 2008 | Apr 2008 | 10 | 5.5% | -41.0% | -30.4% |
| Sep 2008 | Jan 2011 | 118 | 49.8% | -14.2% | -30.0% |
| Aug 2011 | Dec 2011 | 20 | 17.3% | -1.2% | -19.0% |
| Feb 2012 | Feb 2012 | 1 | 1.4% | -14.4% | -18.6% |
| Feb 2012 | Mar 2012 | 2 | 2.8% | -15.3% | -17.2% |
| May 2012 | Jul 2012 | 11 | 7.7% | -3.8% | -16.8% |
| Oct 2012 | Jun 2013 | 32 | 29.6% | +51.1% | +17.8% |
| Dec 2013 | Dec 2013 | 1 | 0.2% | +7.1% | -17.4% |
| Jan 2014 | Feb 2014 | 5 | 6.3% | +15.2% | -14.1% |
| Mar 2014 | Jun 2014 | 14 | 6.8% | +26.2% | -15.7% |
| Sep 2014 | Oct 2014 | 3 | 3.7% | +17.8% | -18.6% |
| Oct 2018 | Nov 2018 | 5 | 3.9% | +33.5% | -36.4% |
| Dec 2018 | Mar 2019 | 14 | 7.7% | +54.0% | -36.4% |
| Mar 2020 | Apr 2020 | 3 | 6.9% | +38.4% | -40.6% |
| Apr 2020 | May 2020 | 5 | 3.1% | +48.0% | -41.0% |
| Oct 2021 | Ongoing | 256+ | 40.4% | Ongoing | -47.5% |
| Average | 28 | — | +11.7% | — |
Frequently Asked Questions
Is WU below its 200-week moving average?
Yes. As of 2026-09-11, The Western Union Company (WU) is trading 23.0% below its 200-week moving average of $9.00. The current price is $6.93.
What is WU's 200-week moving average price?
The Western Union Company's 200-week moving average is $9.00 as of 2026-09-11. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when WU drops below its 200-week moving average?
WU has crossed below its 200-week moving average 18 times in our data. On average, buying at that moment produced a one-year return of +11.7%. These dips have historically been decent entry points. These episodes lasted 28 weeks on average.
Is WU a good value right now?
Here's what our data says about WU as of 2026-09-11: The stock is below its 200-week moving average, which is the starting point for our analysis. The 14-week RSI is 48. Free cash flow yield is 16.5%. Return on equity is 44.0%. Price-to-book is 2.4x. This is not a buy or sell recommendation — always do your own research.
How does WU compare to the S&P 500?
Over the past 19.1 years, $100 invested in WU would have grown to $71, compared to $707 for the S&P 500. That's -1.8% annualized vs 10.8% for the index. WU has underperformed the broader market over this period.
Does WU pay a dividend?
Yes. The Western Union Company currently pays a dividend yield of 1356.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-09-11