Stocks股票 / Financials / WU
Western Union · Financials
WU US listed · USD美股 · 美元
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。
Mid cap中盘 · $3B
Distressed困境股
Financials
S&P 600标普600小盘
$8.66
-$0.22 · -2.48%
52w low52周低 $6.94high高 $10.17
Neutral — no clear edge中性 — 无明显优势
The daily turn is already in — a low formed ~18 days ago at $7.03 and price is back above the 10-day average. What's missing is the weekly timeframe…日线转向已经完成——低点于约 18 天前形成，价位7.03，且价格已重新站上 10 日均线。尚缺的是周线周期的确认，因此这是当下可用的部分信心入场，而非待触发信号：可在此建半仓，或等待周线转向。
Engine read引擎解读 · 2026-07-21
Price chart价格图表
daily · interactive日线 · 可交互
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Candles, volume and moving averages — pan and zoom inside the chart.蜡烛图、成交量与均线 — 图内可缩放拖动。
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Technicals技术面
daily bars日线数据 · 2026-07-21
Momentum (RSI 14)动量（RSI 14）
69
Elevated偏高
vs 50-day average相对50日均线
+10.3% above上方
Uptrend intact趋势完好
vs 200-day average相对200日均线
+0.4% above上方
Long trend up长期向上
Volatility波动率
79th percentile第79百分位
These readings feed the stance at the top — one source per number, refreshed nightly.以上读数构成页首的引擎立场 — 每个数字只有一个来源，每晚更新。
Earnings财务业绩
next report下次财报 2026-07-277days to go天后公布
Estimates being cut预期下调
Valuation估值
Looks cheap vs sector相对行业偏便宜| Multiple指标 | WU | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 5.47x | 14.95 | |
| P/S市销率 | 0.67x | 2.84 | |
| Earnings yield盈利收益率 | 18.27% | 6.65 | |
| Shareholder yield股东收益率 | 19.88% | 3.94 |
"Cheaper than" = share of sector peers trading richer on that multiple.「相对便宜」= 行业中该指标估值更高的同行占比。
Financials财务数据
fiscal years财年Revenue营业收入
5-yr growth5年复合增速 -3.5%
Earnings per share每股收益
5-yr growth5年复合增速 -3.2%
Free cash flow自由现金流
Operating margin营业利润率
18.7%
Net margin净利率
12.3%
FCF margin自由现金流利润率
13.4%
Balance-sheet quality财务体质 5/8
Bankruptcy risk: distress zone破产风险：警戒区
Warning警示
Leverage杠杆
Net debt / EBITDA净债务/EBITDA2.08
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%
Why is it moving为何波动
6 checks · nightly六项检查 · 每晚
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 weekly MACD crossed upWU 周线MACD上穿
Options positioning期权持仓
as of last close截至上一收盘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
±3.62%
Expected weekly move预期周波动
±8.10%
25d risk reversal25d风险逆转
7.1%
Flow:资金流向： $2M premium traded; 6% 0DTE; 5 fresh positions; P/C 0.02; ~leans bullish (direction approx)成交权利金 $2M；0DTE占6%；5个新建仓；看跌看涨比 0.02；≈偏看涨（方向近似）
Skew: greed偏斜：贪婪
Call and put walls are plotted on the Trade levels ladder →看涨/看跌期权墙已标注在「交易点位」阶梯上 →
Ownership & smart money持仓与聪明钱
13FInsider activity:内部人动向： +$0.1M net (1 buyers, 0 sellers)+$0.1M 净值（1 买家，0 卖家）
Signal history信号历史
engine events引擎事件
UNCONFIRMED TURN → BOTTOMING未确认转向 → 筑底中
BUY SETUP. A new cycle low likely formed 18 day(s) ago (2026-06-23 @ 7.03): swing low in, price back above the 10-day average — but the weekly timeframe hasn't turned yet, so conviction is partial. Last cycle was left-translated (topped early) — a bearish structural tell买入预备。新的周期低点可能已在 18 天前形成 （2026-06-23 @ 7.03）：摆动低点已现，价格重新站上 10 日均线——但周线周期尚未转向，因此信心仅为部分。 上一周期为左移结构（见顶偏早）——属于看空的结构性信号
Jul 24, 2026
WU weekly MACD crossed upWU 周线MACD上穿
The weekly MACD histogram turned positive — the slower, less-whippy momentum read.周线MACD柱状图转正 — 更慢、更少来回的动量信号。
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 16, 2026
BOTTOMING → UNCONFIRMED TURN筑底中 → 未确认转向
HIGH-RISK · NIMBLE ONLY高风险 · 仅限灵活操作
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
Showing the last 15 of显示最近15条，共 265 signals条信号
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。
Style DNA — how it trades vs the market风格基因 — 相对市场的交易特征
Value价值
Above market高于市场
Quality质量
Below market低于市场
Investment资本投入
Above market高于市场
Shareholder payout股东回报
Above market高于市场
Low volatility低波动
Below market低于市场
Low market beta低市场敏感度
Above market高于市场
Earnings quality盈利质量
Above market高于市场
Short interest空头兴趣
Above market高于市场
The whole US universe — S&P 1500 and Russell 2000 — read nightly.覆盖标普1500与罗素2000全部成分股 — 每晚更新解读。
Signals, options positioning, smart-money moves and factor DNA — the same engine that wrote this page covers 2,700+ US stocks.信号、期权持仓、聪明钱动向与因子基因 — 撰写本页的引擎覆盖2700多只美股。
Statistics — full detail统计数据 — 完整明细
Valuation vs sector估值对比行业
| Multiple指标 | This stock本股 | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（静态） | 5.5× | 14.9× | 99% |
| Price / Sales市销率 | 0.7× | 2.8× | 96% |
| Earnings yield盈利收益率 | 18.3% | 6.7% | 100% |
| Free-cash-flow yield自由现金流收益率 | 19.9% | 8.2% | 90% |
| Shareholder yield股东综合回报率 | 19.9% | 3.9% | 99% |
Relative strength相对强度
vs market, 1 month相对大盘（1个月）
21/100 — weaker than most弱于多数
vs market, 3 months相对大盘（3个月）
18/100 — weaker than most弱于多数
vs market, 6 months相对大盘（6个月）
27/100 — weaker than most弱于多数
vs market, 12 months相对大盘（12个月）
48/100 — middle of the pack居中
Rank in sector行业内排名
#186 / 252
0–100 percentile of total return vs all covered stocks.总回报在全部覆盖股票中的百分位（0–100）。
Price history价格历史
| Period周期 | This stock本股 | S&P 500标普500 |
|---|---|---|
| 1 Week近1周 | +10.0% | -0.9% |
| 1 Month近1月 | +21.6% | -0.6% |
| 3 Months近3月 | -9.2% | +5.4% |
| 6 Months近6月 | -4.2% | +8.6% |
| Year to date年初至今 | -3.8% | +8.9% |
| 1 Year近1年 | +16.8% | +19.2% |
| 3 Years近3年 | -9.2% | +69.9% |
Trading information交易信息
Beta vs market贝塔
0.43
Volatility rank波动率分位
79th pctile
Short interest空头占比
17.2% of float
Market cap市值
$3B
EPS (trailing)每股收益
$1.58
Off 52-week high距52周高点
-13.6%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Financials — full detail财务数据 — 完整明细
Multi-year record多年财务记录
| 20202020 | 20212021 | 20222022 | 20232023 | 20242024 | 20252025 | |
|---|---|---|---|---|---|---|
| Revenue营业收入 | $4.8B | $5.1B | $4.5B | $4.4B | $4.2B | $4.1B |
| EPS每股收益 | $1.79 | $1.97 | $2.34 | $1.68 | $2.74 | $1.52 |
| Free cash flow自由现金流 | $841M | $1.0B | $550M | $760M | $369M | $505M |
| Gross margin毛利率 | 41.5% | 42.9% | 41.3% | 38.7% | 37.8% | 37.0% |
| Net margin净利率 | 15.4% | 15.9% | 20.3% | 14.4% | 22.2% | 12.3% |
| FCF margin自由现金流利润率 | 17.4% | 19.9% | 12.3% | 17.4% | 8.8% | 12.5% |
Latest fiscal year最近财年
Revenue (FY)营业收入（财年）
$4.1B
Net income净利润
$500M
Operating cash flow经营现金流
$544M
Total assets总资产
$8.3B
Dividends paid股息支出
$309M
Buybacks股票回购
$235M
Shares outstanding总股本
0.32B
Returns & growth回报与增长
Return on assets资产回报率
6.0%
Profit growth利润增速
-46.5%
Asset growth资产增速
-0.8%
Accounting quality checks会计质量检查
- Earnings quality: accruals elevated vs peers (earnings lean on non-cash items)盈利质量：应计利润高于同业（盈利依赖非现金项目）
- Pricing power: gross margin −4.5pts over 6 years定价能力：毛利率 6 年下降 4.5 个百分点
- Capital discipline: disciplined growth, returning cash资本纪律：增长克制、回报股东
- Balance sheet: Altman Z 1.01 — distress zone资产负债表：Altman Z 1.01——困境区
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Technicals — full detail技术面 — 完整明细
Indicator readings指标读数
RSI (14-day)RSI（14日）
69
RSI (2-day)RSI（2日）
62
vs 20-day average相对20日均线
+10.8%
vs 50-day average相对50日均线
+10.3%
vs 200-day average相对200日均线
+0.4%
Golden cross (50>200)金叉（50>200）
not in effect未生效
MACDMACD
above signal位于信号线上方
Timeframe alignment多周期共振
Daily日线
momentum up动能向上
3-day3日线
momentum up动能向上
Weekly周线
momentum up — fresh upturn动能向上——刚刚转强
When daily through monthly point the same way, moves carry further.当日线到月线方向一致时，行情往往更有延续性。
Volatility regime波动状态
Range width percentile波幅宽度分位
97/100
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Earnings — full detail财务业绩 — 完整明细
Estimate revisions预期修正
Analysts covering覆盖分析师
11
Estimate direction预期调整方向
mostly cutting多数下调
Estimate change, 90 days预期变化（90天）
-0.3%
Net upgrades, 30 days净上调（30天）
+1
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Options — full detail期权持仓 — 完整明细
Dealer positioning map做市商持仓地图
Call wall看涨期权墙
$9
Upside magnet上方磁吸位
$9
Downside magnet下方磁吸位
$8
Net dealer gamma做市商净伽玛
+$0.0B
Walls and magnets are strikes with heavy open interest — price often slows or gravitates there.期权墙与磁吸位是未平仓集中的行权价 — 价格常在附近减速或被吸引。
Volatility pricing波动率定价
Implied volatility (30d)隐含波动率（30天）
1%
25-delta risk reversal25-delta风险逆转
+7.1%
Call-put IV spread看涨-看跌IV价差
+0.1pp
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Ownership — full detail持仓 — 完整明细
Insiders & shorts内部人与空头
Insider net buying (6 months)内部人净买入（6个月）
+$0.1M
Insider buyers vs sellers内部人买家vs卖家
1 : 0
Short interest空头占流通盘
17.2%
Days to cover回补天数
6.3
Short interest change空头变化
-2.2%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Seasonality — full detail季节性 — 完整明细
Strongest month最强月份
Feb · 100%
Weakest month最弱月份
May · 0%
Month by month逐月统计
| Month月份 | Closed higher收涨占比 | Median move中位涨跌 | Years年数 |
|---|---|---|---|
| Jan1月 | 67% | +0.9% | 3 |
| Feb2月 | 100% | +5.3% | 3 |
| Mar3月 | 67% | +0.4% | 3 |
| Apr4月 | 33% | -3.8% | 3 |
| May5月 | 0% | -6.3% | 3 |
| Jun6月 | 25% | -1.9% | 4 |
| Jul7月 | 50% | +4.0% | 4 |
| Aug8月 | 100% | +2.7% | 3 |
| Sep9月 | 33% | -0.1% | 3 |
| Oct10月 | 33% | -10.1% | 3 |
| Nov11月 | 67% | +2.4% | 3 |
| Dec12月 | 67% | +4.5% | 3 |
History is a tendency, not a promise — small samples wobble.历史规律只是倾向而非保证 — 样本少时波动大。
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。