The Western Union Company Website

The Western Union Company

NYSE-WU

Company Overview

The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents and sub-agents; and offers international cross-border transfers and intra-country transfers, as well as money transfer transactions through websites and mobile devices. The Business Solutions segment provides payment and foreign exchange solutions, primarily cross-border and cross-currency transactions for small and medium size enterprises, other organizations, and individuals; and foreign currency forward and option contracts. It also offers bill payment services that facilitates payments from consumers to businesses and other organizations, as well as offers money order and other services. The company was founded in 1851 and is headquartered in Denver, Colorado.

  • Name

    The Western Union Company

  • CEO

    Devin McGranahan

  • Website

    www.westernunion.com

  • Sector

    Financial Services

  • Year Founded

    1851

Company Statistics

Profile

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Bulls Say

  • The demographic factor that has historically driven money transfer growth—namely, the differential between population growth in developing and developed countries—remains in place for the foreseeable future.

  • Western Union didn't see a major dropoff during the last recession or the pandemic, highlighting the stability of the business.

  • While the motives for immigrants to relocate to wealthier countries are well understood, developed countries also have incentives to open their borders, as negligible native population growth makes immigration a necessity for long-term GDP growth.

Bears Say

  • A stricter stance on immigration in developed countries could limit immigrant populations and reduce their employment opportunities and money transfer volume.

  • Alternative channels for sending money, such as cellphones, could cut out money transfer companies like Western Union.

  • Weak macro conditions, a stronger dollar, and operational missteps have kept Western Union's growth low over the past decade, and there is no clear path to significantly higher growth.

Source: Morningstar Analysis - Nov 07, 2025

What's happening

Nov 4, 2025 - Dec 4, 2025

Western Union Co Faces Competitive Pressures Amid Mixed Investor Sentiment

  • Concerns over competition and market positioning have intensified following bullish comments about Euronet Worldwide by the CEO.
  • The company's Investor Day initially generated optimism but was met with skepticism due to perceived disengagement from social media.
  • Despite strong Q3 results, positive indicators did not lead to sustained price appreciation amid broader market pressures.

Over the past month, Western Union Co (WU) experienced a decline of 4.2%, significantly underperforming the S&P 500, which saw a slight decrease of 0.3%. This period was characterized by bearish sentiments dominating discussions among investors and analysts. Notably, on November 19th, social media conversations raised concerns regarding competition after the CEO expressed optimistic views about Euronet Worldwide (EEFT), further contributing to negative sentiment surrounding WU.

Throughout this timeframe, there were moments that temporarily boosted investor confidence. For instance, on November 26th, the CEO reported declining remittance volumes in the U.S., attributed to changing immigration policies and financial uncertainty among customers; however, average transaction amounts were increasing. This situation highlighted both challenges and opportunities within their operational landscape but ultimately failed to sustain momentum as renewed bearish sentiments emerged shortly thereafter.

The company's Investor Day on November 6th initially sparked optimism when it reaffirmed revenue guidance for fiscal year 2028 between $4.8 billion and $5.3 billion alongside projections of double-digit growth in its Consumer Services segment over three years; however, enthusiasm waned as retail investors criticized management's lack of engagement with social media compared to competitors like Opendoor (OPEN). This perception contributed to ongoing skepticism regarding WU’s leadership effectiveness in addressing market dynamics.

Despite some positive indicators such as strong Q3 results driven by digital services growth and an attractive shareholder yield through dividends and buybacks mentioned earlier in November, these factors did not translate into sustained price appreciation for WU shares amidst broader market pressures. Overall trends indicated that Western Union Co underperformed relative to both the Financials sector—by -6.8%—and general market indices during this one-month period characterized by volatility influenced heavily by external competitive factors rather than internal operational strengths or strategic initiatives aimed at enhancing shareholder value.

Western Union Co underperformed the Financials (XLF) sector by -6.8%.

NYSE:WU