WU

avatarfire

unfortunately WU has too much pride to allow itself to be bought out like Moneygram a couple of years ago. I'll buy WU after it kills its 10% dividend. Ridiculous waste of money.

Grouchy_Value7852

Yeah, my WU bags feel this way. From 18 to sub 10 in a year. Just glorious like WEN, KHC etc.

ZirElbowsDownClown

No worries here where the $WU Tang regards at?

deanquartz1

$WU Western Union is going to switch to a stable coin system of wiring money between countries which will be instant and cost at least 5 times less than the way they do it now. Down to around $8 per share from a high of $25 back in 2021, pays a 10% dividend too. Or one of $KRKNF $SATL or $VPN.TO

No-Insurance100

Playing the Looney Tunes factory assembly line on repeat while my puts print: https://youtu.be/w3FCRr3t9WU?feature=shared

Captain_TuckFard

If you do temperature predictions using WU make sure to go to "history" and ignore what it shows as live :(

MrMasterPP

WU calls on earnings are gonna print

Christs_Hairy_Bottom

$WU Western Union Baby!

lalaland4711

I'm not claiming actual experience with DPRK specifically, but I see a lot of people asserting how impossible it is, or at the very least expensive, to transfer money internationally. My experience between western countries is that it's reliable and free[1], and the supposedly impossible countries are even on the lists as possible and not that bad. The people who say it's so hard and expensive are trying to pump up BTC because they have a vested interest. Approximately nobody who says "BTC fixes international money transfers" has any interest whatsoever in sending money to someone unbanked in Eritrea. The transfers they would do are already extremely likely free. And even for the unbanked Eritrean on a day where WU would be more expensive, you have to admit that WU is probably **safer** than the guy down the street who runs a BTC-to-cash exchange. The unbanked should become banked. Not continue to be exploited by WU and BTC-clearing-houses. [1] 25 years ago I would not have said "reliable and free", but that was a long time ago.

aronnax512

Cross border transfer fees are typically lower with Crypto than WU or PP. You could argue it isn't worth the technical hassle, but it is faster and cheaper.

lalaland4711

WU is just for the unbanked. You can just do a bank transfer to almost everyone. Even into DPRK, despite sanctions.

race2prosperity

Puts on $WU expiring circa 2.5/3 months from the date of this comment with a 10$ strike price. Expected returns around 80-130% with the premium that the option collects. Who knows though? I'm just any other redditor.

ai-moderator

#TLDR --- Ticker: WU Direction: Up Prognosis: Buy Shares (for the 10% Yield) or $15 Calls Thesis Type: Warren Buffett's Ashtray (Cigar Butt) Target Demographic: The unbanked & illegals chasing $$$

ai-moderator

#TLDR --- Ticker: WU Direction: Up Prognosis: Buy Shares & $15 Calls Key Stat: 10% Dividend Yield + 33% Float Buyback Bull Case: Presidents are temporary, illegals are eternal

MuricanWisecrack

i think the markets are forever like this. back in 2008 when i started study of "Volkswirtschaft ud Sozioökonomie" (macroscience and socialeconomics) at WU Vienna i read Alan Greenspans "Age of Turbulence". He there projects a future where commodities, equity, fiats all are very volatile and "fast" on a routine basis, where uncertainty is the driving force. i think this vision came true. We now have complete uncertain very fast markets everywhere. That itself would not be a problem if we would not have such a devastating distribution of wealth. We should not have individuals with anything close to 100B in equity.

According-Prize-6714

https://youtu.be/m_rbbHyUw18?si=R2-k0Jqe3H6WU2GM

Thetimeisnow411

US to invest $1.6bn into rare earths group in bid to shore up key minerals https://share.google/KUSEjMWeseOHky0WU

Worriedstudent007

WU. Solid fundamentals, long standing business, making loads of cash, large dividend, and have all the foundation laid to utilize crypto to reduce operating margins. Some people think crypto and other fintechs will make them obsolete, but I really think it’s a very strong value play. I also think GRAB is a solid play.

IDrinkSulfuricAcid

Oh boy, there's much better dividend stocks! You could go with Verizon (VZ) which has a 6.82% dividend. Altria (MO) has a 7.36% dividend. 6.86% on Pfizer (PFE). Western Union (WU) offers a 10% dividend. Obviously the drawback is that a lot of these stocks don't grow or some are actively going down. Chevron has a relatively lower dividend compared to these, but it's stable. From these, I would choose VZ.

Rustee_Shacklefart

WU

EvillNooB

Ignoring anything with ai and semiconductors: RKLB, ASTS and FRHC (i like it more than NU, albeit they are on different continents 😂) And maybe WU? Might as well be a trap since it faces so many headwinds (no strong leadership, and kinda botched transformation and the global anti immigration sentiment picking up and the rise of neobanks ) but i want to believe 🤣

Mesozoic

WU insane value

rargghh

WU

ftball21

COIN & AMD for 🚀 WU as a sneaky pick 🥷

Great_Molasses_4601

Femy was my only green pennystocks, all my mid price shares are were my money is being made (NDAQ, WSR, KVUE, TRIN, WU, and mostly Rivian)

barelysmash

Riding CAN and FLY. Short NVDA at $181-$182, buy NVD for the ride down to $176 > $173.5 > $169, sell NVD and buy NVDA. NVD calls ~2 days -2 weeks expiration. NVDA gonna dump after dividends? 🤔 Long term still good. But an ABC correction C-wave roller coaster incoming. Cheap WU calls for early next year.

AshingiiAshuaa

Puts on WMT and WU.

salty0waldo

The valuation on PYPL just doesn't really matter. If the Block announcement shows anything, its this whole sector is about growth. If you own it, it might be worth looking to sell here. There really isn't much upside potential. If last earnings couldn't move the needle, I don't really see what will for it. It can easily be trading down into a ratio of 5. I mean, look at WU. It trades at a multiple of like 3-4 or something.

triwyn

[live press for vote](https://www.youtube.com/live/h9AmMVQAy3I?si=WU_Q8q739xJLHS-T) this chick is going HAM

salty0waldo

Yeah but it's a totally different company now. Which is part of my confusion here. Even WU is trading with better momentum the past month, and they have a declining top and bottom number lol. Not saying it deserves an 18 multiple, but 12-14 next years guidance would be nice lol.

stranix13

VOOV, palladium (PALL, PLG), Nickel (VALE), WU, LMT, TLT, GLD (maybe more so for this one in a few months)

KDingo2

WU

Sarikz9

someone check out $WU , you’re all missing out real potential growth

thittle

Good thing I am all in on WU stock

Due-Papaya-6217


Grouchy_Value7852

WEN and WU would like a word, heh

Ok-Breadfruit791

If you like WEN, you’ll love WU and LEG. Short squeeze potential not likely butt decent turnaround value plays

Adept-Bet-2420

Best DD. I looked up WU and they are heavy on the tang. I'm in.

Sarikz9

!banbet WU 12 60D

No-Commercial-3121

It's all still processed through the same people. So you don't follow. Same CEO now at WU. It's designed not to be followed. In the end it's still all the same end processor.

Sarikz9

Western union $WU, bought at 8.02$ now at 9.50$. potential for a buyout also. keep your eyes peeled

jubilantBeatbox

Is it really? I honestly have not yet figured out what the effect, if any, of this is. If WU can now remit payments using its own stablecoin, then that certainly eliminates the commission cost of the front-end cash dealers. But! Usually those remittances are to less tech-savvy places so I am not sure the utility of a stablecoin in the first place. THIS MAKES NO SENSE to me. Someone break it down if they can.

jubilantBeatbox

Uhh: DENVER--(BUSINESS WIRE)-- "The Western Union Company (“Western Union”) (NYSE: [WU](https://www.stocktitan.net/overview/WU)) today announced its plan to launch U.S. Dollar Payment Token (USDPT), its new stablecoin, and an innovative Digital Asset Network designed to bridge the digital and fiat worlds, enabling real world utility for digital assets. Built on Solana and issued by Anchorage Digital Bank, Western Union aims to launch USDPT, expanding the ways to move money for customers, agents and partners, and to support the company’s treasury capabilities." I haven't used Western Union in my entire life but... doesn't this essentially make them THE Crypto play in basically ALL the emerging markets?! Correct me if I am wrong...

Just_Interaction3761

i love WU,🤗

Agolf_Tweetler

Western Union: WU. Earnings beat. 3 P/E, buybacks, stable coin, 1.1B in cash 4B+ rev with only 2.63B market cap; better run company than BYND; 11% dividend while you wait, to the moooooooon. 🔹 👐🏻

Sarikz9

$WU great earnings call and extremely undervalued. this is actually deep value just going under the radar

space_bar_69

My WU bags would like this!

GoIdmanUSA

WU likely announcing a stable coin launch tn

jhkoenig

So you are proposing that the current model for "card" payment processing will go away? That's what happened to WU.

rackoblack

My current holdings at five stars at Morningstar (strong buy) are PFE, O, GSK, WU and STAG

creemeeseason

I've heard the Bitcoin thesis, but I still believe that Bitcoin makes a terrible method of currency exchange because it's so volatile. There are theoretically block chain applications for transfer, but that's not owned by anyone. Anyway, I own DLO, not WU.

wavrdn

The Compound talked about WU a week ago I believe. Interesting take that it's likely the first financial company to have bitcoin take its market share, but also that there has been a lot of insider buying lately. Thought about taking a position while it's still under $10

haarp1

If all of the servers are physically located in the WU, thrn they can't send much of user data back home, if any.

Extra_Damage_2129

I’d rather buy WU and collect the dividend payment in a few weeks than buy any of those.

badspeculator6

WU! Seems smart to follow insider buys

IllBuyYourCar

Entire WSB is bearish on WU Gonna have to double down on 100% OTM calls

IllBuyYourCar

WU calls lowkey

Wicaeed

WU pays a nice dividend and has been trading at a discount, vol/spreads aren't quite as nice as F though

Basic-Technician-150

WU about to 🚀🚀🚀🚀

3hipsters

# Western Union Wants to Launch Its Own Stablecoin. Does That Make WU Stock a Buy Here? [https://finance.yahoo.com/news/western-union-wants-launch-own-185233568.html](https://finance.yahoo.com/news/western-union-wants-launch-own-185233568.html)

apmspammer

Nerdwallet is a great place to compare brokers https://www.nerdwallet.com/m/investing/standout-investing-platforms-of-2025?utm_source=goog&utm_medium=cpc&utm_campaign=in_mktg_paid_2025_investing&utm_term=best%20brokerage%20app&utm_content=ta&gad_source=1&gad_campaignid=22393064314&gbraid=0AAAAADfKLw1vfeUjCA8WU56m1_g3uKM_h&gclid=CjwKCAjwhuHEBhBHEiwAZrvdchWm7Jgw5T-XLT-1pFszCv10sf9PE9ZhzUibQe90XCW31ZTCp98wQBoCOiEQAvD_BwE

rackoblack

I use Morningstar ratings for this sort of thing. You need Premium, which costs, but is free at your local library. My current five and four star strong buy and buy holdings are: \*\*\*\*\* WU PFE BMY O \*\*\*\* LMT CCI ET GOOG VZ MCD Reply with any tickers you'd like me to look up and I can get you the ratings and maybe the analysis text.

rargghh

Keep buying WU

AcceptableBroccoli92

WU, profitable, 11% yield, 10% short position

MrNo_Balls

LMAO why did you guys invest in WU???

Exciting-Hornet7610

WU just missed earnings by $0.02 and came in below revenue expectations. Not huge on its own… but combine that with Trump and GOP pushing for stricter immigration/remittance policies? That’s a direct hit to WU’s core business. ~88% of WU’s revenue comes from immigrants sending money home (C2C remittances). If you tax/remit/limit transfers, you kill their main source of income.

murderbymodem

Sometimes basic knowledge is all you need to steer you in the right direction. I bought 6 shares of AMD back in February. I had just got home from waiting in a huge line at Microcenter to spend $600 on a 9070XT GPU, and figured I'd throw $600 into the stock as well. My $600 is $951 as of close earlier today. I'm not taking profit because I agree with the "DD" in this post that it has the potential to do even better. Anyone building a PC right now is buying AMD Ryzen, as there is zero trust in Intel CPUs (see: [Intel CPU instability issues](https://www.tomshardware.com/pc-components/cpus/firefox-dev-says-intel-raptor-lake-crashes-are-increasing-with-rising-temperatures-in-record-european-heat-wave-mozilla-staffs-tracking-overwhelmed-by-intel-crash-reports-team-disables-the-function)), and on the GPU side of things, [gamers are frustrated with high Nvidia prices](https://youtu.be/2tJpe3Dk7Ko?si=r2WU9jdu9MduuL1I) and using AMD Radeon (or even Intel Arc) GPUs as an alternative. This knowledge could also easily steer me in the wrong direction, as the DIY PC market I know so well is a tiny fraction of these businesses, but hopefully investing in what I know works out.

veynome1

$WU

werdna-crd7

Buy WU put ahead of its earning (28 Jul)

rackoblack

If it was still good on that dip (was NVDA the one that tanked and you sold low?), BUY MORE is the answer. Hold only good stocks and usually you can hold through dips and even buy more. That's what I recommend. Here are my current holdings at 4 and 5 star buys at Morningstar: 4: CCI GOOG MCD ET VZ BMY 5: PFE GSK O WU

mvpjsand

I don't think the point is free money. Its more of $WU's core business having a glitch for 3 weeks that gave away millions in overpayments and they don't say a word about it

Limp-Weekend9775

$WU had a glitch over the last month when sending P2P payments they double sent them. Happened for almost a month. I know personally a few people who have over a million dollars personally from this. WU just figured it out Wednesday last week and attempted clawbacks Thursday and SD accounts Friday. While it's only semi public because obviously people have somewhere in the 50-100 million in over payments from them. I have heard a few individuals who have 3-10 million alone. I have seen the bank account statements and have many friends this happened to.

chopsui101

No. I deleted the part where I put what I thought WU should be doing and what they are not. Basically I don't think the management team is executing particularly well

chopsui101

I like to think I'm an expert on WU....as I once wrote a finals paper about them for finance class. The regardless what investors tell you the business is not dying, they just fail to understand the business. The business is based on remittance, money that foreign workers from poor countries send home. This can be from the US back to India or the Philippines. From the wealthy gulf states back to poorer SE asian countries or Africa. From Russia back to western asian countries. **Strengths** The world remittance is growing steadily and is expected to growth at a consistent rate. During growth years it tends to grow more or when oil prices are high. They also have a strong monopoly on countries that don't have good banking sectors or other fintechs can't break into due to lack of technology. In countries like India and Philippines they cut their prices to complete with fintechs. Countries that the fintechs don't operate either because phones are not wide spread or the banking sector isn't developed they raise prices. They charge a fee to send the money and they give the mid conversion rate thus they profit twice on each transaction. They have done better in recent years in building out their mobile app to get repeat customers, adding buttons to have the ability to instantly send money to contacts which is driving repeat business. **Weaknesses** The world is getting smaller so even countries in Africa mobile phones are getting more popular, which means other fintechs are able to service countries that previously they could not. They have rolled out their products in a sloppy manner, execution imo has been poor. They have multiple mobile apps for different products they offer like their money transfer and their prepaid debit card. If you listen to their earning calls they always talk about being a one stop shop but the product lineup has not reflected that. Thus imo they are not monetizing their customers as efficiently as they could or should be. They keep saying their are spending on technology but I reviewed their technology spending has been more or less flat for a while. **Overall** They seem content with riding out their high margin business, taking a higher percentage of a smaller and smaller pie.

Spezza

And that has prompted record remittances from American migrants to their home countries. Not sure how much of that WU handles though. Or what that would mean to their bottom line.

Opportunist_Ad3972

WU business is to take your money and send it away, for you never to see it again.

MaxwellSmart07

WM would be better than WU. (Matter of fact, almost anything would )

Rav_3d

It's a terrible move. Western Union, which is a horrific stock in a steep downtrend while the broader market has been on fire. It is DOWN 12% since liberation day while the market and most other stocks are up significantly, such as NVDA which is up 100% in the same time. Even if you had said NVDA I'd still say it's a horrible idea to put your entire portfolio into any single stock. But WU is a death sentence. For your own good, put it in VOO instead. Your future self will thank you.

McKnuckle_Brewery

Thanks for prompting me to research WU on Seeking Alpha and elsewhere. Looks like a slowly dying value trap with a big dividend that could (and arguably should) be cut soon. Personally I think you're nuts to risk it all on this. Buy index funds and sit back.

Lucid_Chemist

WU trading at 3 times earnings. I get the outlook isn’t great but wow.

Lucid_Chemist

So WU is trading at 3 times earnings and 4 times future PE, yes it’s bad that they are expected to make less money next year. But isn’t that PE a little insane?

narrowant341

Meta to move from building open-sourced AI models to closed AI models. Their next open source model called Behemoth is set to be ditched. -NYT [Link](https://www.nytimes.com/2025/07/14/technology/meta-superintelligence-lab-ai.html?unlocked_article_code=1.WU8.wyyu.h-kdqfvozufH&smid=nytcore-ios-share&referringSource=articleShare) lol.

Scar589

If you're itching to hold a new bag and have trouble choosing, I'm bringing back some classics here. Feel free to pick one randomly, **don't expect to make money off it**. >!CRSR!< >!BB!< >!NOK!< >!CLOV!< >!WU!< >!AMC!< >!BYND!< >!SPCE!<>!DJT!<

Flimsy-Printer

WU western union. Known brand name. Large customer base. I'm betting that they will turn more digital.

Rare-ish_Bird

FWIW, here are a few fintechs rated 'neutral, or sell', with analyst targets below yesterday's close. Not saying buy poots, but maybe add them to your watch lists. PAYX, TOST, WEX, WU, ADP, EPAM, GIB, GLOB, SOFI, UPST

rackoblack

How much work do you want to make for yourself in this? If you're just picking something else without a good numbers based reason based on some time consuming research, you're not helping things. Just stick with VOO. But if you don't mind a couple hours a week plus maybe a few more hours per month at earnings season, you might benefit from what you propose. Namely, if you're buying only something highly rated AND at a good value, then *maybe* you'll be better off. No way to know until 30 years later when you can't fix it. Oh, so along with the added work it takes, you have to be comfortable with the distinct possibility that you did worse that just VOO would have done. I do as you describe and have for a bit over 25 years. In my retirement, it's my main interest/hobby. I use Morningstar ratings (free at your public library, or subscribe to MS Premium) to determine the rating/value. E.g., all my 22 or so holdings 1 just dropped to two stars (sell, I might have to shift that one off the list, we'll see), three are hold (\*\*\*) seven are buy (\*\*\*\*) and five are strong buy (\*\*\*\*\*). The five stars I currently own are: GSK WU GOOG PFE O Generally, if I'm adding to the list I'll do so with only five star holdings.

Babolattack

$WU

Babolattack

$WU didn't get the market correction memo.

sonrisa_optimista

I agree with you! [Here](https://www.youtube.com/watch?v=DipeEoGQ5WU) is the speech with better image and sound. French Senator Claude Malhuret wrote a truly powerful and eloquent speech, which does not need any extra effects like the music added here.

sonrisa_optimista

[Here](https://www.youtube.com/watch?v=DipeEoGQ5WU) is the speech with better image and sound. French Senator Claude Malhuret wrote a truly powerful and eloquent speech (which does not need any additional effects like the music added here).

dyshynky

Puts on $WU (Western Union). High divy and ridiculously low p/e but the decrease of remittances from the US to lower developed countries is going to be substantial. Earnings in 6 weeks.

ThaddeusJP

https://youtu.be/6iqgTwu78WU

arbitraryBlue

WU TANG IS FOR THE CHILDREN 

Icankickmyownass

LakeBison (Let’s Go Brandon Truck lol) the #MVSTARMY AND CEO WU Own 81% of Microvast 19% institutional WE WILL HOLD AND HOLD AND SQUEEZE YOU OUT BELIEVE THAT!!!

Babolattack

Wutang financial (WU) is doing pretty good for a boring dividend stock.

almightybunghole69

Soundtrack for next 4 years https://youtu.be/Fd27wOHG1WU?si=qvQb_nW_y5Y9urh-

Ok-Geologist5545

[Ken Griffith buying Western Union](https://hedgefollow.com/stocks/WU)

JesusGAwasOnCD

Let me tell you a story, if it can make you feel better and make you stop with thinking about the "what if" scenarios. Around 2010, I was a very active member in a specific online forums community (a few different forums) dedicated to real world trading in MMOs (selling in game currency or items for real world money) and MMOs cheating. This forum was known as a "gray market", it was technically not allowed under those MMOs rules, but it was not illegal under in real life laws. Those forums were full of nerds like me who just wanted to make a quick buck out of their MMO addictions, and you had some very early crypto investors who wanted to pay with crypto but no one really wanted it because at that time, other payment methods were much more secure and much less volatile. I wasn't rich in game by any means; I sold about 500 bucks (at the time) worth of in game currency, but twas a large amount of money for me at that time. The buyer asked me if I was interested in a payment in Bitcoin rather than LibertyReserve/WU/PP (which were the norm at that time), I chose LR which was a now defunct equivalent of PayPal but with greater security and no possibility of charge backs, it was basically the gold standard for MMO RWT. Well, had I taken BTC, I would have had tens of millions of dollars nowadays going by the current value. I still think about it to this day, nearly 15 years later. But then again, "what if"? Would have I sold at $100 in 2013 or so? Probably. But that's not healthy. Don't kick yourself over this.

DarkVoid42

nah. get two of these instead - [https://www.msi.com/Content-Creation-Monitor/Prestige-PS341WU](https://www.msi.com/Content-Creation-Monitor/Prestige-PS341WU)

timmytacobean

I was just about to make a post on this but gave up cus I didn't have a clear enough thesis. But since you posted, and remembering this is wsb 2024 where quality doesn't matter anymore here goes. This is from thinking about this for a few hours today. I don't know shit about fuk I originally thought of companies with exposure to crop harvesting. GPT tells me strawberries and apples are very labor intensive, home grown, and with high demand domestically. Unfortunately there's not a singular company that has specific exposure to these fruits, no are there commodities. The only commodity that would be close would be orange juice concentrate. Not knowing dick bupkiss about how executing a trade on CBOT, I gave up. OJ has had a huge runup already mainly I think due to diseases wiping out trees. So I don't know if there's much room for labour crises to squeeze this more. A short list of some companies that could be interesting regardless are : DOLE, FDP, CVGW. Then kind of related, if the entire famring industry gets affected across the board, maybe FPI could dip. But then I started thinking, maybe if there's no migrant workers, then there will also be no remittence payments. I think this thesis has played out a bit since WU dropped recently. But I think there's maybe room to go. Also because I know from personal experience WU sucks ass and there are much easier services with lower costs, beating WU on every front. So this could be a winner even without the migrant labour thing. Lastly, I read on here the last time this topic came up and people were saying service sector is the largest impact. hospitality, etc... I haven't dug into that yet, but that's probably where the real action would be.