The Western Union Company
WUThe Western Union Company is cheap for a reason. The P/BV sits at the 2nd percentile of its own range, and the quarters are still getting worse.
The sharpest disagreement: the P/BV sits at the 2nd percentile of its own range, but the engine is deteriorating — cheap for a reason until the quarters turn.
The price is between stages while the P/BV sits at the 2nd percentile of its own 1-year range. Underneath, the last four quarters read deteriorating — profit −50.0% year on year, with the the net margin at 6.1%. What settles it: whether the quarters turn before the discount closes.
Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.
The Western Union Company trades at $6.5, between stages. That is −23.8% against its own 200-day average. It sits at 5% of a 52-week range of $6 to $10. On relative strength it is currently behind the S&P 500 on a trailing-13-week view (25 weeks and counting).
Today the stock is between stages. At $6.5 it trades −23.8% versus its 200-day average and sits at 5% of its 52-week range ($6–$10).
Against the market, two honest reads. Cumulative: over the last 1.2 years the stock moved −22% while the S&P 500 moved +21% — behind the index over the full window. Recent form: on a trailing-13-week view the stock is currently behind (25 weeks and counting; last ahead the week of 2026-03-27) — the ribbon below is that same metric, week by week.
What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.
Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each $1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.
The Western Union Company trades at 2.2× P/BV, about the cheapest it has ever traded. Its long-run median P/BV is 3.1×, measured across 1.2 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.
Today's P/BV of 2.2× is about the cheapest it has ever traded, against a long-run median of 3.1× measured over 1.2 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.
Why the multiple sits where it does: over the past year book value grew while the price moved −19.7% — price and book moved together, holding the multiple in its range.
Put together: the multiple is low against its own past, so the story rests on the book-value line underneath it, not the multiple.
Stage: Deteriorating Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).
The Western Union Company reads as deteriorating on its fundamental arc. Deteriorating — revenue, profit and EPS growth are shrinking (revenue growth −2.4% latest against +0.2% at its 12-quarter best), ROE slipping at 47.3%. The read is built from 12 quarters across 4 curves, on full evidence.
🚨 Why it matters: falling curves mean every cheap-looking ratio below needs a discount for direction.
| 1yr | 3yr | 5yr | 10yr | |
|---|---|---|---|---|
| Revenue | −3.8% | −3.3% | — | — |
| Profit | −46.2% | −18.1% | — | — |
| EPS | −44.5% | −13.4% | — | — |
| Stock price | −19.7% | — | — | — |
4-Factor Sector Score
37.4/100 — rank 18 of 28 in Credit Services · 54% evidence confidence
The Western Union Company scores 37.4 out of 100 against the 28 companies it is compared with in Credit Services, ranking 18. Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.
The four contributions add to the total exactly: 13.6 + 12.7 + 7.1 + 4 = 37.4. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.
What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.
Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fees from its businesses.
The Western Union Company reported $1.0 B of income in the Mar 26 quarter, +0.0% year on year. Over 4 years it has compounded at −5.5% a year. The last full year, FY25, came in at $4.0 B. The last four reported quarters add to $4.1 B.
FY25 revenue came in at $4.0 B (−3.8% on the year), capping 4 years at −5.5% compound. The latest quarter (Mar 26) printed $1.0 B, +0.0% year on year.
Pace check: the last four quarters averaged −2.4% growth against the decade's −5.5% — the current year is running faster than its own long-run rate.
Acceleration check: trailing-twelve-month revenue grew −2.4% over the last 4 quarters against −3.7%/yr over the last 8 — stabilising; TTM profit −52.7% vs −16.7%/yr — rolling over.
Net margin Net margin — what the bank keeps of every $100 of revenue after every cost, provision and tax. With big fee businesses in the mix, it is the cleanest margin we can read for this bank.
The Western Union Company's net margin is 6.1% in the Mar 26 quarter, −6.1 percentage points against the same quarter a year ago. Across 5 fiscal years the net margin has ranged 12.3% to 22.1%. The current quarter is running below every full year in that window.
The latest quarter's net margin is 6.1%, −6.1 pp against the same quarter a year ago. Across 5 fiscal years the net margin has ranged 12.3%–22.1%.
Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.
Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.
The Western Union Company earned $0.1 B of net profit in the Mar 26 quarter, −50.0% year on year. Full-year FY25 profit was $0.5 B. The 4-year compound rate is −11.4%. That is 6.1% of the quarter's revenue. The same quarter a year earlier earned $0.1 B.
Mar 26 profit was $0.1 B, −50.0% year on year. On the full year, FY25 printed $0.5 B (−46.2%), and the 4-year compound rate is −11.4%.
🚨 Why profit moved: revenue contributed +0.0% and the margin −6.1 pp — the quarter was revenue-led despite a thinner margin.
Pace comparison, last four quarters: profit −45.6% vs revenue −2.4%. Profit is growing slower than sales — costs are eating the growth before it reaches the bottom line.
Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.
Loan-book quality history is not available for The Western Union Company, so this section names the gap rather than estimating a ratio. No gross or net non-performing-asset series is filed in a form this page can read, and none is inferred from the profit line. The income, margin and return sections above carry the evidence this business does report.
We do not hold quarterly loan-book quality numbers for this bank, so this section states that plainly rather than working around it.
Why: loan-book quality is the engine room of a bank, and its drivers — slippages, recoveries, provisioning — sit below what we hold for this name; the sections around it carry the reads we can stand behind.
The loan book We read the loan book through revenue — when the book and the businesses grow, revenue grows with them. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.
The Western Union Company's revenue grew −3.8% in FY25 to $4.0 B, so the book is flat. The latest quarter ran +0.0% year on year. The net margin on that income is 6.1%, −6.1 percentage points against a year ago. Interest income is a proxy for the book; rate moves can shift it a few points in any one year.
FY25 revenue was $4.0 B, −3.8% on the year, and the latest quarter ran +0.0% year on year. The net margin on that revenue is 6.1% this quarter (−6.1 pp YoY) — growth with a narrowing margin on it.
The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — with quarterly loan-quality numbers missing here, revenue growth and margin are the two we watch.
Returns on equity and assets Two numbers rate a bank: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys. ROE above ~13–15% earns its keep; below that, growth builds book slowly.
The Western Union Company earns a return on equity of 52% in FY25. Its trough over the ladder below was 52% in FY25. On the asset side every $100 of the balance sheet earned about $5.12, which is the return before leverage is applied.
FY25 ROE came in at 52%. On assets, the latest reading is about 5.12% — every $100 the bank deploys earns roughly $5.12 a year. That clears the bar a bank must beat for its book value to compound.
Why: the ROE ladder shows the move; the deposit-cost and provisioning drivers behind it sit below what we hold.
Dividend A dividend is cash paid out per share. Dividend per share is the declared amount for the period; the trailing twelve-month total is the four most recent quarters added together.
The Western Union Company paid $0.94 per share over the last four reported quarters. The most recent declaration was $0.23 for Mar 26. Against the current price of $6.5 that is a trailing yield of 14.37%, measured on dividends already paid rather than on a forecast.
The Western Union Company paid $0.94 per share across the last four reported quarters, most recently $0.23 for Mar 26. Against the current price of $6.5 the trailing twelve months work out to 14.37% — trailing dividends measured against today's price, not a forward estimate.
Debt
For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.
A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.
Ownership There is no quarter-by-quarter holder register to read here, so we read the crowd through short interest — the slice of tradable shares currently sold short, positioned for a fall.
15.1% of The Western Union Company's tradable float is currently sold short — a large bloc is positioned against it. At typical trading volumes those positions would take about 3.9 days to buy back. There is no quarter-by-quarter holder register to read for this filer, so the crowd is read through short interest instead.
The latest reading: 15.1% of the float is sold short, and at typical trading volumes it would take about 3.9 days to buy those positions back. A large bloc is positioned against it. This is a single point-in-time reading — we do not yet hold its history, so we show no trend chart.
Why it sits there: who is doing the shorting, and why, does not travel with the number — the level is shown without inventing its story.
Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.
The Western Union Company: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.
The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.
| Company | Score | Price stage | Growth & earnings/35 | Capital efficiency/25 | Valuation/20 | Relative strength/20 |
|---|---|---|---|---|---|---|
| 1Encore Capital Group, Inc.ECPG | 64.9/100Thin evidence · provisional53% evidence | LEADER | 21.1/35 Income 34% · PAT — 29% evidence | 13.1/25 ROA — · ROE 9.3% · GNPA — 34% evidence | 13.4/20 P/BV 1.46× · P/BV÷ROE 0.16 70% evidence | 17.3/20 RS sector 39.2% · RS bench 33.5% · 1Y 121%11 of 12 weeks ahead 100% evidence |
| Exact sum: 21.1 + 13.1 + 13.4 + 17.3 = 64.9 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 2Mastercard IncorporatedMA | 64.3/100Mixed-positive evidence80% evidence | BREAKING OUT | 24.5/35 Income 16% · PAT 19.7% 81% evidence | 20.8/25 ROA 24% · ROE 214.7% · GNPA — 68% evidence | 4.6/20 P/BV 80.95× · P/BV÷ROE 0.38 70% evidence | 14.4/20 RS sector 3.9% · RS bench -1.1% · 1Y -2.8%8 of 12 weeks ahead 100% evidence |
| Exact sum: 24.5 + 20.8 + 4.6 + 14.4 = 64.3 · Decision use: Confirmed research leader: earnings, capital efficiency and relative strength agree. Move to management, catalyst and risk diligence. | ||||||
| 3Visa Inc.V | 64.3/100Mixed-positive evidence80% evidence | BREAKING OUT | 20.6/35 Income 14.4% · PAT 11.7% 81% evidence | 20.3/25 ROA 19.7% · ROE 64.7% · GNPA — 68% evidence | 7.6/20 P/BV 18.06× · P/BV÷ROE 0.28 70% evidence | 15.8/20 RS sector 8.4% · RS bench 3.2% · 1Y 8.6%11 of 12 weeks ahead 100% evidence |
| Exact sum: 20.6 + 20.3 + 7.6 + 15.8 = 64.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 4EZCORP, Inc.EZPW | 60.2/100Mixed-positive evidence76% evidence | ASLEEP | 26.1/35 Income 22.9% · PAT 66.3% 71% evidence | 13.1/25 ROA 2.6% · ROE 5% · GNPA — 68% evidence | 8.3/20 P/BV 1.4× · P/BV÷ROE 0.28 70% evidence | 12.7/20 RS sector 15.4% · RS bench 10.7% · 1Y 73.5%2 of 12 weeks ahead 100% evidence |
| Exact sum: 26.1 + 13.1 + 8.3 + 12.7 = 60.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 5Affirm Holdings, Inc.AFRM | 59.2/100Mixed-positive evidence67% evidence | ASLEEP | 23.6/35 Income 32.1% · PAT — 45% evidence | 14.9/25 ROA 2.4% · ROE 15.1% · GNPA — 68% evidence | 8.6/20 P/BV 4.03× · P/BV÷ROE 0.27 70% evidence | 12.1/20 RS sector 5.1% · RS bench -0.4% · 1Y -22.3%8 of 12 weeks ahead 100% evidence |
| Exact sum: 23.6 + 14.9 + 8.6 + 12.1 = 59.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 6Credit Acceptance CorporationCACC | 57.2/100Mixed-positive evidence62% evidence | FADING | 23.6/35 Income 20.5% · PAT 56.2% 55% evidence | 12.7/25 ROA — · ROE 8.4% · GNPA — 34% evidence | 5.4/20 P/BV 2.92× · P/BV÷ROE 0.35 70% evidence | 15.5/20 RS sector 15.3% · RS bench 10% · 1Y 18.6%9 of 12 weeks ahead 100% evidence |
| Exact sum: 23.6 + 12.7 + 5.4 + 15.5 = 57.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 7Synchrony FinancialSYF | 56.3/100Mixed-positive evidence80% evidence | ASLEEP | 14.1/35 Income 7.9% · PAT 7.2% 81% evidence | 18.1/25 ROA 2.7% · ROE 19.4% · GNPA — 68% evidence | 16.3/20 P/BV 1.51× · P/BV÷ROE 0.08 70% evidence | 7.8/20 RS sector -1.7% · RS bench -6.5% · 1Y -2.2%4 of 12 weeks ahead 100% evidence |
| Exact sum: 14.1 + 18.1 + 16.3 + 7.8 = 56.3 · Decision use: Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity. | ||||||
| 8Sezzle Inc.SEZL | 55.8/100Mixed-positive evidence76% evidence | FADING | 18.7/35 Income 46.5% · PAT 40.6% 71% evidence | 18.6/25 ROA 14.3% · ROE 31.8% · GNPA — 68% evidence | 5.5/20 P/BV 10.81× · P/BV÷ROE 0.34 70% evidence | 13.0/20 RS sector 24% · RS bench 18.1% · 1Y 28.1%8 of 12 weeks ahead 100% evidence |
| Exact sum: 18.7 + 18.6 + 5.5 + 13 = 55.8 · Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression. | ||||||
| 9Atlanticus Holdings CorporationATLC | 55.1/100Mixed-positive evidence70% evidence | FADING | 20.0/35 Income 68.7% · PAT 17.4% 71% evidence | 10.2/25 ROA 0.8% · ROE 7.1% · GNPA — 68% evidence | 8.6/20 P/BV 1.22× · P/BV÷ROE 0.17 70% evidence | 16.3/20 RS sector 26.9% · RS bench 21% · 1Y 32.7%9 of 12 weeks ahead 70% evidence |
| Exact sum: 20 + 10.2 + 8.6 + 16.3 = 55.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 10American Express CompanyAXP | 50.3/100Mixed-positive evidence72% evidence | ASLEEP | 17.9/35 Income — · PAT 12.9% 60% evidence | 19.0/25 ROA 3.9% · ROE 35.2% · GNPA — 68% evidence | 10.7/20 P/BV 6.73× · P/BV÷ROE 0.19 70% evidence | 2.7/20 RS sector -9.1% · RS bench -13.6% · 1Y -8.4%1 of 12 weeks ahead 100% evidence |
| Exact sum: 17.9 + 19 + 10.7 + 2.7 = 50.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 11Capital One Financial CorporationCOF | 46.4/100Thin evidence · provisional54% evidence | ASLEEP | 22.9/35 Income 100% · PAT — 33% evidence | 10.6/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 5.2/20 P/BV 1.08× · P/BV÷ROE 0.4 70% evidence | 7.7/20 RS sector -4.4% · RS bench -9.2% · 1Y -11%7 of 12 weeks ahead 100% evidence |
| Exact sum: 22.9 + 10.6 + 5.2 + 7.7 = 46.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 12Enova International, Inc.ENVA | 44.4/100Mixed-negative evidence60% evidence | FADING | 17.8/35 Income — · PAT — 26% evidence | 15.2/25 ROA 2.7% · ROE 7.7% · GNPA — 68% evidence | 4.1/20 P/BV 4× · P/BV÷ROE 0.52 70% evidence | 7.3/20 RS sector 0.9% · RS bench -3.8% · 1Y 36.6%11 of 12 weeks ahead 100% evidence |
| Exact sum: 17.8 + 15.2 + 4.1 + 7.3 = 44.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 13Jefferson Capital, Inc.JCAP | 44.0/100Mixed-negative evidence70% evidence | BREAKING OUT | 10.2/35 Income 29.9% · PAT 1.3% 71% evidence | 16.8/25 ROA 5.7% · ROE 8.6% · GNPA — 68% evidence | 8.0/20 P/BV 2.4× · P/BV÷ROE 0.28 70% evidence | 9.0/20 RS sector -0.3% · RS bench -5% · 1Y 14.1%6 of 12 weeks ahead 70% evidence |
| Exact sum: 10.2 + 16.8 + 8 + 9 = 44 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 14SoFi Technologies, Inc.SOFI | 41.8/100Mixed-negative evidence72% evidence | ASLEEP | 20.1/35 Income — · PAT 13.6% 60% evidence | 10.1/25 ROA 1.3% · ROE 6.3% · GNPA — 68% evidence | 6.7/20 P/BV 2.08× · P/BV÷ROE 0.33 70% evidence | 4.9/20 RS sector -21.3% · RS bench -25.6% · 1Y -42.9%4 of 12 weeks ahead 100% evidence |
| Exact sum: 20.1 + 10.1 + 6.7 + 4.9 = 41.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 15Nelnet, Inc.NNI | 41.0/100Mixed-negative evidence62% evidence | BASING | 20.8/35 Income 18.6% · PAT 52.5% 55% evidence | 10.0/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 5.0/20 P/BV 1.24× · P/BV÷ROE 0.46 70% evidence | 5.2/20 RS sector -4.6% · RS bench -9.1% · 1Y 0.3%0 of 12 weeks ahead 100% evidence |
| Exact sum: 20.8 + 10 + 5 + 5.2 = 41 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 16OneMain Holdings, Inc.OMF | 40.3/100Mixed-negative evidence60% evidence | FADING | 16.0/35 Income — · PAT — 26% evidence | 8.4/25 ROA 0.6% · ROE 4.5% · GNPA — 68% evidence | 4.8/20 P/BV 2.07× · P/BV÷ROE 0.46 70% evidence | 11.1/20 RS sector -0.2% · RS bench -5.1% · 1Y -0.4%7 of 12 weeks ahead 100% evidence |
| Exact sum: 16 + 8.4 + 4.8 + 11.1 = 40.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 17PayPal Holdings, Inc.PYPL | 37.6/100Mixed-negative evidence80% evidence | BREAKING OUT | 9.8/35 Income 5.7% · PAT 4.8% 81% evidence | 12.0/25 ROA 1.5% · ROE 5.5% · GNPA — 68% evidence | 5.9/20 P/BV 1.88× · P/BV÷ROE 0.34 70% evidence | 9.9/20 RS sector -3.2% · RS bench -8.3% · 1Y -22.7%10 of 12 weeks ahead 100% evidence |
| Exact sum: 9.8 + 12 + 5.9 + 9.9 = 37.6 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 18The Western Union Companythis pageWU | 37.4/100Thin evidence · provisional54% evidence | BASING | 13.6/35 Income — · PAT — 26% evidence | 12.7/25 ROA 1.3% · ROE 8.5% · GNPA — 68% evidence | 7.1/20 P/BV 2.62× · P/BV÷ROE 0.31 70% evidence | 4.0/20 RS sector -25.2% · RS bench -28.7% · 1Y -19.7%0 of 12 weeks ahead 70% evidence |
| Exact sum: 13.6 + 12.7 + 7.1 + 4 = 37.4 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 19Navient CorporationNAVI | 36.1/100Thin evidence · provisional53% evidence | BREAKING OUT | 14.1/35 Income -63% · PAT -206.9% 29% evidence | 9.1/25 ROA — · ROE 0.7% · GNPA — 34% evidence | 4.6/20 P/BV 0.32× · P/BV÷ROE 0.46 70% evidence | 8.3/20 RS sector -4.7% · RS bench -9.8% · 1Y -26.8%6 of 12 weeks ahead 100% evidence |
| Exact sum: 14.1 + 9.1 + 4.6 + 8.3 = 36.1 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 20Upstart Holdings, Inc.UPST | 35.2/100Thin evidence · provisional55% evidence | ASLEEP | 18.3/35 Income 57.6% · PAT — 45% evidence | 4.0/25 ROA -0.3% · ROE -0.9% · GNPA — 68% evidence | 9.5/20 P/BV 3.35× · P/BV÷ROE — 10% evidence | 3.4/20 RS sector -31.7% · RS bench -35.6% · 1Y -63.4%2 of 12 weeks ahead 100% evidence |
| Exact sum: 18.3 + 4 + 9.5 + 3.4 = 35.2 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 21Federal Agricultural Mortgage CorporationAGM | 54.3/100Thin evidence · provisional46% evidence | LEADER | 17.2/35 Income — · PAT — 10% evidence | 11.3/25 ROA — · ROE 3.9% · GNPA — 34% evidence | 7.5/20 P/BV 1.17× · P/BV÷ROE 0.3 70% evidence | 18.3/20 RS sector 20.8% · RS bench 15.1% · 1Y 20.2%12 of 12 weeks ahead 100% evidence |
| Exact sum: 17.2 + 11.3 + 7.5 + 18.3 = 54.3 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 22Bread Financial Holdings, Inc.BFH | 51.3/100Thin evidence · provisional46% evidence | FADING | 17.0/35 Income — · PAT — 10% evidence | 11.2/25 ROA — · ROE 4.5% · GNPA — 34% evidence | 8.6/20 P/BV 1.25× · P/BV÷ROE 0.28 70% evidence | 14.5/20 RS sector 28.6% · RS bench 22.9% · 1Y 69.9%9 of 12 weeks ahead 100% evidence |
| Exact sum: 17 + 11.2 + 8.6 + 14.5 = 51.3 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 23World Acceptance CorporationWRLD | 47.8/100Thin evidence · provisional46% evidence | FADING | 18.1/35 Income — · PAT — 10% evidence | 9.5/25 ROA — · ROE 2% · GNPA — 34% evidence | 4.0/20 P/BV 1.79× · P/BV÷ROE 0.9 70% evidence | 16.2/20 RS sector 15.3% · RS bench 9.8% · 1Y 7.8%10 of 12 weeks ahead 100% evidence |
| Exact sum: 18.1 + 9.5 + 4 + 16.2 = 47.8 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 24FirstCash Holdings, Inc.FCFS | 44.2/100Thin evidence · provisional46% evidence | ASLEEP | 17.6/35 Income — · PAT — 10% evidence | 11.5/25 ROA — · ROE 4.2% · GNPA — 34% evidence | 3.3/20 P/BV 4.05× · P/BV÷ROE 0.96 70% evidence | 11.8/20 RS sector 12.6% · RS bench 7.9% · 1Y 50%0 of 12 weeks ahead 100% evidence |
| Exact sum: 17.6 + 11.5 + 3.3 + 11.8 = 44.2 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 25SLM CorporationSLM | 41.6/100Thin evidence · provisional46% evidence | BREAKING OUT | 16.6/35 Income — · PAT — 10% evidence | 10.0/25 ROA — · ROE 2.4% · GNPA — 34% evidence | 4.2/20 P/BV 1.97× · P/BV÷ROE 0.82 70% evidence | 10.8/20 RS sector -0.4% · RS bench -5.4% · 1Y -11.1%10 of 12 weeks ahead 100% evidence |
| Exact sum: 16.6 + 10 + 4.2 + 10.8 = 41.6 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 26Lufax Holding LtdLU | 37.8/100Thin evidence · provisional29% evidence | BASING | 15.5/35 Income -11.2% · PAT — 18% evidence | 9.5/25 ROA — · ROE -0.7% · GNPA — 26% evidence | 9.8/20 P/BV 0.19× · P/BV÷ROE — 10% evidence | 3.0/20 RS sector -46.2% · RS bench -49.1% · 1Y -63.9%0 of 12 weeks ahead 70% evidence |
| Exact sum: 15.5 + 9.5 + 9.8 + 3 = 37.8 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 27Ally Financial Inc.ALLY | 36.7/100Thin evidence · provisional46% evidence | ASLEEP | 17.1/35 Income — · PAT — 10% evidence | 10.5/25 ROA — · ROE 2.7% · GNPA — 34% evidence | 6.4/20 P/BV 0.9× · P/BV÷ROE 0.34 70% evidence | 2.7/20 RS sector -6.2% · RS bench -10.6% · 1Y -8.8%0 of 12 weeks ahead 100% evidence |
| Exact sum: 17.1 + 10.5 + 6.4 + 2.7 = 36.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 28Klarna Group plcKLAR | 36.1/100Thin evidence · provisional49% evidence | ASLEEP | 18.4/35 Income 0% · PAT — 45% evidence | 4.6/25 ROA 0% · ROE 0% · GNPA — 68% evidence | 9.8/20 P/BV 2.01× · P/BV÷ROE — 10% evidence | 3.3/20 RS sector -37.9% · RS bench -41.7% · 1Y -67.4%7 of 12 weeks ahead 70% evidence |
| Exact sum: 18.4 + 4.6 + 9.8 + 3.3 = 36.1 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led S&P 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.
Frequently asked questions
What is The Western Union Company's stock price today?
The Western Union Company trades at $6.5, −19.7% over the past year. The company is valued at $2.0 B. The stock sits at 5% of its 52-week range of $6–$10, −23.8% versus its 200-day average. Against the S&P 500 it has been behind on a trailing-13-week view for 25 weeks. — as of 17 September 2026.
What were The Western Union Company's latest quarterly results?
The Western Union Company reported total income of $1.0 B and net profit of $0.1 B for the Mar 26 quarter. Income rose 0.0% and profit fell 50.0% year on year. Earnings per share were $0.20. The net margin was 6.1%, 6.1 pp lower than a year earlier. — as of 17 September 2026.
What is The Western Union Company's revenue?
The Western Union Company reported revenue of $1.0 B in the Mar 26 quarter, +0.0% year on year. For the full FY25 fiscal year, revenue was $4.0 B (−3.8%). Over the last 4 years revenue compounded at −5.5% a year. — as of 17 September 2026.
What is The Western Union Company's profit?
The Western Union Company earned $0.1 B of net profit in the Mar 26 quarter, −50.0% year on year. Full-year FY25 profit was $0.5 B. The net margin ran 6.1% in the latest quarter. — as of 17 September 2026.
What is The Western Union Company's market cap?
The Western Union Company's market capitalisation is $2.0 B at a stock price of $6.5. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 17 September 2026.
What is The Western Union Company's P/BV ratio?
The Western Union Company trades at a P/BV of 2.2×, at the 2nd percentile of its own 1-year range, against a long-run median of 3.1×. This is a comparison with the stock's own history, not a value call — as of 17 September 2026.
Does The Western Union Company pay a dividend?
Yes — The Western Union Company declared $0.23 per share for Mar 26, and $0.94 per share across the last four reported quarters. — as of 17 September 2026.
What is The Western Union Company's dividend per share?
The Western Union Company's most recently declared dividend is $0.23 per share for Mar 26, giving $0.94 per share over the trailing twelve months. Each figure is the amount declared for that quarter as reported, added across four quarters for the trailing total. — as of 17 September 2026.
What is The Western Union Company's dividend yield?
The Western Union Company's trailing dividend yield is 14.37%: $0.94 declared per share across the last four reported quarters, against a share price of $6.5. Each quarter’s figure is the amount declared for that quarter as reported, added across four quarters and divided by the latest close. — as of 17 September 2026.
Is The Western Union Company overvalued?
On its own history, The Western Union Company looks cheap: its P/BV of 2.2× has been cheaper only 2% of the time in 1 years (long-run median 3.1×). That is a percentile read against the stock's own past, not a price opinion or a direction call. — as of 17 September 2026.
Is The Western Union Company growing?
Not right now — The Western Union Company's latest numbers are shrinking: latest-quarter revenue +0.0% year on year, profit −50.0%, and the net margin −6.1 pp at 6.1%. The 4-year compound rates are −5.5% (revenue) and −11.4% (profit). The earnings engine currently reads: deteriorating — as of 17 September 2026.
How is The Western Union Company performing?
The Western Union Company's latest readings are below. Its latest quarter's income rose 0.0% and profit fell 50.0% year on year. Against the S&P 500 it has been behind on a trailing-13-week view for 25 weeks. This describes what the data did, not a rating. — as of 17 September 2026.
What stage is The Western Union Company in?
Deteriorating — revenue, profit and EPS growth are shrinking (revenue growth −2.4% latest against +0.2% at its 12-quarter best), ROE slipping at 47.3%. The read comes from the last 12 quarters of growth (revenue growth −2.4% latest, profit growth −52.7% latest, eps growth −49.3% latest) plus the ROE curve, classified by deterministic rules — a trajectory read, not a buy or sell call — as of 17 September 2026.
Is The Western Union Company beating the market?
Not lately — on a trailing-13-week view The Western Union Company is currently behind the S&P 500 (25 weeks and counting; last ahead the week of 2026-03-27), the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 1.2 years the stock moved −22% against the S&P 500's +21% — behind the index over the full window. — as of 17 September 2026.
Will The Western Union Company's stock price go up?
This page publishes no price forecast for The Western Union Company. What it measures instead: the stock price is $6.5. Its P/BV of 2.2× sits at the 2nd percentile of its own 1-year range. Direction is not something this site claims to know. — as of 17 September 2026.
Is the market betting against The Western Union Company?
Yes — short interest is 15.1% of The Western Union Company's tradable float, about 3.9 days to cover at typical volumes. A crowded short: a large bloc is positioned against it. With no quarter-by-quarter holder register here, short interest is the cleanest crowd read we hold — as of 17 September 2026.
Where is The Western Union Company in its business cycle?
The Western Union Company's FY25 net margin was 12.3%, against a 5-year band of 12.3%–22.1%: the low end of its own band, which is where recoveries start when they come. The latest quarter ran 6.1%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 17 September 2026.
What could break the The Western Union Company story?
The sharpest disagreement: the P/BV sits at the 2nd percentile of its own range, but the engine is deteriorating — cheap for a reason until the quarters turn. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 17 September 2026.
Is The Western Union Company a stock worth studying right now?
This is not investment advice. The machine read: The Western Union Company is cheap for a reason. The P/BV sits at the 2nd percentile of its own range, and the quarters are still getting worse. The sharpest open question: whether the quarters turn before the discount closes. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 17 September 2026.
Not SEBI Registered !! Not Investment advice !!