Price: $8.58 (+1.66%) as of Aug-26-2025 💸 

🚨 Trigger: Insider Purchases (Follow the Money)

Western Union’s CEO and CFO are literally wiring money… into their own stock.

• CEO Devin McGranahan bought 176,470 shares at $8.49 (+$1.5M).

• CFO Matthew Cagwin bought 17,500 shares at $8.36 (+$146K).

• Even a director was in on it last year at higher prices ($12.85).

That’s commitment — unless they accidentally hit “send” to themselves instead of Aunt Rosa in Argentina. 🏦😂

🏦 Institutions Onboard

Insiders aren’t alone:

• Vanguard: 35.8M shares

• BlackRock: 31M shares

• State Street: 13.6M shares

In total, 95% of the float is held by institutions. Translation: Wall Street thinks WU is still worth more than just nostalgic yellow kiosks in airports.

Not everyone’s buying, though: short interest is 9.67%. Some traders clearly expect more “Western Downion.” 📉

For Western Union (WU)'s Institutional Ownership breakdown, 🔍 see here.

📊 Business & Financials

2024 Results

• Revenue: $4.2B (down 3% reported, flat adjusted)

• GAAP operating margin: 17% (vs 19%)

• EPS: $2.74 GAAP, $1.74 adjusted

• Returned $496M to shareholders (dividends + buybacks)

2025 Outlook

• Revenue: $4.1–$4.2B (flat, but hey, at least not crashing)

• EPS: $1.54–$1.64 GAAP; $1.75–$1.85 adjusted

Q2 2025 Snapshot

• Revenue: $1.03B (down 4%)

• Branded digital: +6% revenue, +9% transactions

• EPS: $0.37 GAAP, $0.42 adjusted

So: stable, profitable, but not exactly setting Zelle on fire. 🔥

👉 Want the full picture? Dive into Western Union (WU)'s financials here.

💰 Valuation: Cheap or a Trap?

Some numbers are so low they look like typos:

• P/E: 3.25 trailing, 5.0 forward (🤯)

• Price/Sales: 0.70 (bargain bin)

• EV/EBITDA: 2.99 (cheap-cheap)

• Dividend Yield: ~11% (!!!)

But high Price/Book (3.14+) and weak growth suggest it might be cheap for a reason. 🧐

⚠️ Risks (a.k.a. Why It’s Not All Sunshine and Wire Transfers)

1. Declining growth: Top line is flat, profits sluggish.

2. Fintech invasion: Remitly, Wise, PayPal, and Cash App eat WU’s lunch.

3. Regulatory burdens: AML + global compliance = costly headaches.

4. Macro shocks: Currency swings, political crises → remittance drops.

In short: Western Union = safe for your money transfers, not guaranteed safe for your portfolio.

💡💡💡 Curious about another deep oil exploration play?
Check our takes on UnitedHealth Group or even Oscar Health.

🎯 The Funanc1al Take

WU is a value play: dirt cheap by valuation, still cash-flow positive, still paying a fat dividend. But it’s also a potential value trap if it can’t innovate past “money wiring, but yellow.”

So, should you invest?

• Bull Case: CEO & CFO are buying, institutions are heavy holders, and valuation screams “bargain.”

• Bear Case: Revenues declining, fintech rivals everywhere, and dividend cuts loom if profits slide.

👉 Western Union may still move your money — the question is whether it can also move its stock.

⚠️ Disclaimer:

We wire jokes, not financial advice.  
We laugh, we analyze, we meme. We just sell jokes and opinions — and yes, we’re billing your sense of humor. 🎪💸 
We’re not financial advisors. We’re FUNancial advisors. 
Turbulence ahead? Invest at your own risk, always DYOR, hold the FOMO, and don’t invest what you can’t afford to lose.

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