Western Union · Financials
WU
$8.88
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.西联汇款公司是一家美国跨国金融服务公司，总部位于科罗拉多州丹佛市。
Distressed困境股
Mid cap中盘
$3B
Engine stance引擎立场2026-07-20
Neutral — no clear edge中性 — 无明显优势
Daily low forming, but the bigger trend is still bearish. Small size only; stop below 7.03.日线低点正在形成，但大趋势仍偏空。只适合小仓位；止损设于 7.03 下方。
Key Statistics关键统计
Price价格
$8.88
11.4% below 52-week high低于52周高点 11.4%
Market Cap市值
$3B
Normal volume正常成交量
P/E Ratio市盈率
5.6x
15.0x sector median
Beta贝塔
0.43
Moves about 0.4x the market波动幅度约为市场的 0.4 倍
RSI (14)RSI（14）
77
Overbought超买区域
Next Earnings下次财报
2026-07-27 (8d)
Volatility Rank波动率分位
69th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
17.2% of float
Performance价格表现
| Period周期 | WU | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +13.3% | -1.5% | Beat the index by 14.8 points跑赢指数 14.8 个百分点 |
| 1 Month近1月 | +23.8% | +0.6% | Beat the index by 23.2 points跑赢指数 23.2 个百分点 |
| 3 Months近3月 | -6.3% | +4.7% | Lagged the index by 11.0 points落后指数 11.0 个百分点 |
| 6 Months近6月 | -1.8% | +7.8% | Lagged the index by 9.6 points落后指数 9.6 个百分点 |
| Year to date年初至今 | -1.3% | +9.1% | Lagged the index by 10.4 points落后指数 10.4 个百分点 |
| 1 Year近1年 | +18.6% | +19.4% | In line with the index与指数基本持平 |
| 3 Years近3年 | -6.6% | +69.4% | Lagged the index by 76.0 points落后指数 76.0 个百分点 |
Technicals技术面
RSI (14)RSI（14）
77
Overbought超买区域
vs 50-day相对50日均线
+13.0% vs 50-day avg
vs 200-day相对200日均线
+3.0% vs 200-day avg
Volatility rank波动率分位
69th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$8.01
Don't chase above不追高于
$8.88
Stop止损
$7.03
Bounce — turn not confirmed; wait反弹 — 转向未确认，先观望
Earnings财务业绩
8
days until next report天后公布财报
2026-07-27
Estimates being cut预期下调
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | WU | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 5.61x | 14.99 | 99% |
| P/S市销率 | 0.69x | 2.87 | 95% |
| Earnings yield盈利收益率 | 17.82% | 6.58 | 100% |
| Shareholder yield股东收益率 | 19.39% | 3.91 | 99% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
5yr CAGR5年复合增速: -3.5%
Earnings Per Share每股收益
5yr CAGR5年复合增速: -3.2%
Free Cash Flow自由现金流
Margins利润率
6.0%Return on Assets资产回报率
Leverage杠杆
| Net debt / EBITDA净债务/EBITDA | 2.08 |
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $234.6M |
| Stock-based comp股权薪酬 | $46.6M |
| Share count change (1y)股数变化（1年） | -6.6% |
Piotroski皮奥特罗斯基 5/8
Altman Z阿尔特曼Z: distress (1.0)
Warning警示
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Looks cheap vs sector相对行业偏便宜
Cheaper than 97% of its sector on blended multiples综合估值倍数低于行业内 97% 的公司
Beta市场敏感度
0.43×
0.21×3×
Moves about 0.4× the market波动幅度约为市场的 0.4 倍
Financial Health财务健康
5/8
Altman阿尔特曼: distress
Adequate financial health财务健康状况一般
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Sector / Theme行业/主题
Payments & Fintech theme — #9 of 46 themes「支付与金融科技」主题 — 46 个主题中第 9 位
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
WU reclaimed its 200-day averageWU 收复200日均线
Options Positioning期权持仓
Market makers are net long gamma — price pinned near current level做市商净持有正伽玛，价格倾向于在当前水平附近震荡
Expected daily move预期日波动
±3.98%
Expected weekly move预期周波动
±8.90%
Call wall看涨密集区
$9
25d risk reversal25d风险逆转
2.1%
Flow资金流向
$0M premium traded; 0% 0DTE; 1 fresh positions; P/C 0.17; ~leans bullish (direction approx)成交权利金 $0M；0DTE占0%；1个新建仓；看跌看涨比 0.17；≈偏看涨（方向近似）
Skew: 偏斜：greed
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: +$0.1M net (1 buyers, 0 sellers)+$0.1M 净值（1 买家，0 卖家）
Signal History信号历史
COUNTERTREND BOUNCE
UNCONFIRMED TURN
Jul 17, 2026
WU reclaimed its 200-day averageWU 收复200日均线
Price closed back above the 200-day moving average — the classic bull dividing line. $8.88.收盘重回200日均线 — 经典的多头分界线。$8.88。
Jul 17, 2026
WU RSI reached overboughtWU RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $8.88.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$8.88。
Jul 15, 2026
UPTREND → UNCONFIRMED TURN上涨趋势 → 未确认转向
HIGH-RISK · NIMBLE ONLY高风险 · 仅限灵活操作
Jul 13, 2026
BOTTOMING → UPTREND筑底中 → 上涨趋势
HOLD持有
Jul 8, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 7, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 6, 2026
UNCONFIRMED TURN → BOTTOMING未确认转向 → 筑底中
BUY SETUP买入预备
Jul 2, 2026
UNCONFIRMED TURN → BOTTOMING未确认转向 → 筑底中
BUY SETUP买入预备
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Factor Profile因子特征
Composite factor score综合因子得分: 0.90
Value价值
+1.6
Quality质量
-1.2
Investment资本投入
+0.6
Shareholder payout股东回报
+3.0
Low volatility低波动
+0.5
Low market beta低市场敏感度
+0.6
Earnings quality盈利质量
-0.7
Short interest空头兴趣
-1.9
Company Profile公司档案
The Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.西联汇款公司是一家美国跨国金融服务公司，总部位于科罗拉多州丹佛市。
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