What is the 13F Pro Quality Score for WU?

13F Pro ranks Western Union CO (WU) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View WU's current score at https://13fpro.ai/company/WU (free sign-up required for the full ranking).

Where does 13F Pro source WU data?

All Western Union CO fundamentals and ownership data come directly from SEC EDGAR. Western Union CO files with the SEC under CIK 1365135. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is WU in?

Western Union CO (WU) is classified in the Industrials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/industrials.

What drives WU's revenue?

Per Western Union CO's latest 10-Q filed with the SEC on 2026-07-30, the biggest revenue drivers are: Consumer Money Transfer ($866.1M, -2% YoY); Consumer Services ($147.1M, +4% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/WU.

What are WU's largest expenses?

Western Union CO's latest 10-Q reports these as the largest expense items: Cost of services ($676.7M, +5% YoY); Selling, general, and administrative ($204.4M, +7% YoY); Interest expense ($39.5M, +8% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is WU research updated on 13F Pro?

WU's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Western Union CO(WU)Stock Analysis

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SEC EDGAR: CIK 1365135 WU stock profile & AI dashboard →

13F Pro Quality Score

48.0/100

Rank #1,746 of 2,960 stocks

View Industrials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

15.0/100

Profitability

48.8/100

Balance Sheet

70.0/100

Earnings Quality

57.9/100

Free Cash Flow

63.9/100

Institutional Flow

11.4/100

Revenue Scale

74.9/100

Dilution Risk

53.1/100

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Why WU Scores 48/100

exact factor attribution · 2026-09-12

WU's composite is driven by scale and free cash flow, held back by revenue growth and institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+3.7 pts

75th pct

Free cash flow

+2.1 pts

64th pct

Capital efficiency

+2.0 pts

70th pct

Earnings quality

+0.8 pts

58th pct

Shareholder dilution

+0.2 pts

53th pct

Profitability

-0.2 pts

49th pct

Earnings growth

-1.7 pts

17th pct

Institutional flow

-1.9 pts

11th pct

Revenue growth

-7.0 pts

15th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

WU Stock Analysis & AI Quality Score

Data updated 2026-09-12

AI stock analysis and institutional research for Western Union CO (WU), a Industrials sector company. 13F Pro's AI-powered ranking engine scores WU at 48.0/100 on a 32-signal composite quality model, placing it at rank #1,746 of 2,960 stocks — the bottom half of the AI-ranked universe. Areas of concern include institutional flow (11.4) and revenue growth (15.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Western Union CO reports quarterly revenue of $1.0B, net income of $76.7M, an operating margin of 13.0%. Top institutional holders of WU by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, SCHRODER INVESTMENT MANAGEMENT GROUP, based on the most recent SEC filings. WU trades on the NYSE exchange and files with the SEC under CIK 1365135. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate WU daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Western Union CO directly from SEC EDGAR. Western Union CO's 13F Pro composite quality score has ranged between 48 and 62 since 2021, currently 48.0 — a declining long-term trajectory across 69 quarterly and live scoring snapshots.

✦

Fun facts about Western Union CO

Quirks, history, and lore behind WU — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · listed on the NYSE · headquartered in Denver, Colorado · operates in 200+ countries and territories.
2
The Numbers
Annual revenue around $4.5 billion, with a network handling hundreds of millions of transactions a year — mostly small amounts sent by ordinary people, not corporations.
3
The History
Born in 1851 as a telegraph company, it once strung wires across the American frontier and sent the first transcontinental telegram — long before it ever moved a dollar.
4
The Secret
It quietly discontinued its telegram service in 2006 — after 155 years — closing the book on the original business almost without anyone noticing.
5
The Lore
It once turned down Alexander Graham Bell's telephone patent for roughly $100,000, arguably the most expensive 'no thanks' in business history.
6
The Giveaway
You've seen that yellow-and-black sign at a convenience store or drugstore corner — where immigrants and workers line up to wire money back home with just a name and a code.

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What's Driving WU's Business? Latest 10-Q Breakdown

✓ 17/17 datapoints verified

AI-extracted from Western Union CO's 10-Q filed 2026-07-30 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Q2 revenue declined 1% YoY to $1,013.2M as Consumer Money Transfer volume grew 3% but was offset by pricing declines and unfavorable FX, while net income fell 37% to $76.7M.

Biggest Revenue Drivers

Consumer Money Transfer$866.1M-2% YoY

Transaction volume grew 3%, but revenue declined due to pricing reductions, unfavorable FX, and declines in North America and Latin America corridors impacted by geopolitical conditions.

Consumer Services$147.1M+4% YoY

Growth driven by travel money and check acceptance services from acquisitions, plus cash-based bill payments in Argentina, offset by FX headwinds.

Biggest Revenue Drivers

Total revenue: $1,013.2M-1% YoY

Consumer Money Transfer$866.1M-2% YoY

Transaction volume grew 3%, but revenue declined due to pricing reductions, unfavorable FX, and declines in North America and Latin America corridors impacted by geopolitical conditions.

Consumer Services$147.1M+4% YoY

Growth driven by travel money and check acceptance services from acquisitions, plus cash-based bill payments in Argentina, offset by FX headwinds.

Largest Expense Items

Cost of services$676.7M+5% YoY

Increase in agent commissions and employee/real estate expenses from acquisitions expanding company-operated locations.

Selling, general, and administrative$204.4M+7% YoY

Higher compliance costs and FX headwinds.

Interest expense$39.5M+8% YoY

Increase from borrowings on 2029 Notes issued in March and May 2026.

Margins: Operating margin compressed to 13.0% from 18.8% YoY. Consumer Money Transfer margin declined 4 points to 15% primarily due to revenue decline, FX impacts, and higher agent commissions. Consumer Services margin fell 6 points to 16% from higher employee/real estate expenses related to acquisitions.

Watch Items from the Filing

North America Consumer Money Transfer revenue declined 9% YoY, primarily from U.S. weakness driven by immigration policy impacts and broader macroeconomic conditions.
Operating income fell 31% YoY to $132.1M as transaction growth of 3% insufficient to offset pricing pressure, FX headwinds, and cost increases.
Pending Intermex acquisition for ~$500M requires financing via $800M Delayed Draw Term Loan; closure awaits regulatory approvals and customary closing conditions.
DRC litigation: $10.2M judgment from 2019 case; defendants continuing to challenge both prior judgments vigorously.
U.S. 1% remittance excise tax effective January 2026; Treasury issued proposed rules in April 2026 clarifying scope, which company is evaluating for implementation impact.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$1.0B

Net Income

Q2 2026

$76.7M

Free Cash Flow

Q2 2026

$94.6M

Operating Margin

Q2 2026

13.0%

ROIC

Q2 2026

15.4%

D/E Ratio

Q2 2026

2.74

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

-3.8% YoY

$4.05BFY 2025

FY22 $4.48BFY23 $4.36BFY24 $4.21BFY25 $4.05B

Net Income

-46.5% YoY

$499.6MFY 2025

FY22 $910.6MFY23 $626.0MFY24 $934.2MFY25 $499.6M

Operating Income

+4.3% YoY

$757.3MFY 2025

FY22 $884.9MFY23 $817.5MFY24 $725.8MFY25 $757.3M

EPS (Diluted)

-44.5% YoY

$1.52FY 2025

FY22 $2.34FY23 $1.68FY24 $2.74FY25 $1.52

Total Assets

-0.8% YoY

$8.31BFY 2025

FY22 $8.50BFY23 $8.20BFY24 $8.37BFY25 $8.31B

Total Debt

-2.2% YoY

$2.88BFY 2025

FY22 $2.45BFY23 $2.15BFY24 $2.95BFY25 $2.88B

Op. Cash Flow

+33.8% YoY

$543.7MFY 2025

FY22 $581.6MFY23 $783.1MFY24 $406.3MFY25 $543.7M

Free Cash Flow

+36.9% YoY

$505.2MFY 2025

FY22 $549.7MFY23 $760.2MFY24 $368.9MFY25 $505.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$4.05B -3.8%	$4.21B -3.4%	$4.36B -2.6%	$4.48B -11.7%	$5.07B +4.9%	$4.83B
Net Income	$499.6M -46.5%	$934.2M +49.2%	$626.0M -31.3%	$910.6M +13.0%	$805.8M +8.3%	$744.3M
Operating Income	$757.3M +4.3%	$725.8M -11.2%	$817.5M -7.6%	$884.9M -21.2%	$1.12B +16.1%	$967.3M
EPS (Diluted)	$1.52 -44.5%	$2.74 +63.1%	$1.68 -28.2%	$2.34 +18.8%	$1.97 +10.1%	$1.79
Total Assets	$8.31B -0.8%	$8.37B +2.1%	$8.20B -3.5%	$8.50B -3.7%	$8.82B -7.1%	$9.50B
Total Debt	$2.88B -2.2%	$2.95B +37.2%	$2.15B -12.2%	$2.45B -10.9%	$2.75B	—
Operating Cash Flow	$543.7M +33.8%	$406.3M -48.1%	$783.1M +34.6%	$581.6M -44.4%	$1.05B +19.1%	$877.5M
Free Cash Flow	$505.2M +36.9%	$368.9M -51.5%	$760.2M +38.3%	$549.7M -45.4%	$1.01B +39.8%	$720.7M

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Available Research

13F Pro tracks comprehensive data for Western Union CO including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of WU

BlackRock, Inc.
$241.8M31,403,327 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$137.9M17,907,483 sh
SCHRODER INVESTMENT MANAGEMENT GROUP
$133.5M17,339,510 sh
Capital Research Global Investors
$113.0M14,673,095 sh
VANGUARD CAPITAL MANAGEMENT LLC
$107.9M14,018,732 sh
STATE STREET CORP
$87.1M11,310,742 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$86.6M11,246,081 sh
LSV ASSET MANAGEMENT
$84.5M10,977,158 sh
Allianz Asset Management GmbH
$81.0M10,364,220 sh
AQR CAPITAL MANAGEMENT LLC
$76.7M10,111,595 sh

Fund	Value	Shares
BlackRock, Inc.	$241.8M	31,403,327
VANGUARD PORTFOLIO MANAGEMENT LLC	$137.9M	17,907,483
SCHRODER INVESTMENT MANAGEMENT GROUP	$133.5M	17,339,510
Capital Research Global Investors	$113.0M	14,673,095
VANGUARD CAPITAL MANAGEMENT LLC	$107.9M	14,018,732
STATE STREET CORP	$87.1M	11,310,742
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$86.6M	11,246,081
LSV ASSET MANAGEMENT	$84.5M	10,977,158
Allianz Asset Management GmbH	$81.0M	10,364,220
AQR CAPITAL MANAGEMENT LLC	$76.7M	10,111,595

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Is WU a good stock to buy?

13F Pro's AI-powered analysis of Western Union CO (WU) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Industrials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for WU are available on the WU stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. WU is classified as a mid company.

Which hedge funds own WU?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling WU. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Western Union CO's investment landscape.