WU Should I Buy
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WU is not a good buy right now. Price action is neutral-to-soft near the pivot (~9.35) with no proprietary buy signals, fundamentals are deteriorating (Q3’25 earnings and EPS down sharply), and analyst tone recently skewed cautious (new Underweight with $9 PT). Options positioning is very call-heavy, but that looks more like speculative upside positioning than confirmation of a durable uptrend. For an impatient buyer, the setup does not offer a strong edge today—avoid new longs; if already holding, I’d lean to reduce/exit into any bounce toward the 9.54–9.66 resistance area.
Trend/price structure: WU is sitting essentially on the pivot (Pivot 9.354) with nearby support at 9.167 then 9.052 and resistance at 9.542 then 9.657. This is a tight range, not a breakout. Momentum: MACD histogram is negative (-0.0183) but contracting, suggesting downside momentum is fading rather than reversing into a clear uptrend. RSI(6) ~48 is neutral—no oversold bounce signal. Moving averages: Converging MAs indicate consolidation/chop rather than a directional trend. Pattern-based odds (provided): 60% chance of -1.01% next day, ~flat next week (+0.38%), and +3.69% next month—modest upside potential later, but near-term edge leans slightly negative.
Intellectia Proprietary Trading Signals
could reset expectations if margins/transaction trends stabilize.
Competitive pressure: News highlights Remitly’s strong growth and profitability, reinforcing the threat from digital-first remittance platforms (a core concern also echoed by analysts).
Structural disadvantage: Brick-and-mortar network seen as a long-term headwind versus digital-only competitors.
Regulatory/immigration/stablecoin narrative: Initiation note flagged immigration reform/regulatory developments and stablecoin-related sentiment headwinds.
Near-term technical risk: If 9.17 support fails, next support is ~9.05, leaving limited room before a sharper drawdown.
Latest quarter (2025/Q3): Revenue $1.0326B (-0.33% YoY), Net Income $139.6M (-47.28% YoY), EPS $0.43 (-44.87% YoY), Gross Margin 37.71% (slightly down YoY). The key issue is earnings power compression: revenue is roughly flat, but profitability and EPS fell sharply, signaling either cost pressure, mix shift, or competitive pricing pressure—this weakens the case for an immediate buy ahead of confirmation in Q4 results.
Recent trend: Mostly Neutral/Market Perform with small PT bumps to ~$9–$10, but the newest development is Cantor Fitzgerald initiating Underweight with a $9 PT (below/around the current ~$9.36), citing structural and regulatory headwinds. Wall Street pros: Clear strategic priorities and potential to improve execution; some firms nudged targets higher. Wall Street cons: Structural disadvantage versus digital-first peers, plus policy/regulatory and sentiment headwinds; the latest initiation tilts incremental sentiment negative. Positioning/other flows: Hedge funds and insiders are reported neutral; no notable congress trading data in the last 90 days.
