J Capital Research

Independent Insight Provider

J Capital Research, a U.S. company, publishes highly diligenced research reports on publicly traded companies, relying on deep, on-the-ground primary research. J Capital has particular expertise in the Chinese market, but we look at over-valued companies throughout the world. As an activist short- and long-research shop, when we form a clear view, we publish free, public reports to inform the investing public and never disguise our identity. We believe the internet has afforded an opportunity to small, unaffiliated investors to leapfrog the big banks, with their conflicts of interest, and obtain unbiased information on traded companies. We pride ourselves on our independence and the quality of our work. We hope the work speaks for itself.

Equity Bottom-Up

<ul><li>Why would we not love a company whose stock yields 10% and that is buying back shares?</li><li>In a nutshell, because Western Union (WU) is uncompetitive in a digital economy dominated by major platforms such as PayPal.</li><li>WU is an old-economy company living in a new economy. We believe that building an edge risks diving back into the money laundering for which the company was fined $586 mln in 2017.</li></ul>

Why would we not love a company whose stock yields 10% and that is buying back shares?In a nutshell, because Western Union (WU) is uncompetitive in a digital economy dominated by major platforms such as PayPal.WU is an old-economy company living in a new economy. We believe that building an edge risks diving back into the money laundering for which the company was fined $586 mln in 2017.

Independent research on the U.S. markets, Baptista Research

Baptista Research

Independent research on the U.S. markets

Baptista Research is an independent financial research house focused on the U.S. markets. We provide equity research as well as credit research reports on the top-listed U.S. companies with most of our focus on technology, consumer goods and services, automobiles, industrials, oil and gas, pharma, and healthcare. Our research has served more than 3000 institutional investors including mutual funds, hedge funds, banks, family offices, and various buy-side firms. We operate a research subscription service where institutions, as well as retail investors, can have priority access to all our research. We also have a wide distribution of our research reports across some of the top global financial platforms. Apart from equity research and credit research, we also provide advisory services with respect to mergers & acquisitions (M&A), private equity/ venture capital fundraising, valuation reports, and investment management services for corporates.
Baptista Research is owned and managed by Ishan Majumdar, an ex-Venture Capitalist/ Investment Banker, a Chartered Accountant, and a Masters’ degree holder in Management from HEC Paris. Ishan has nearly a decade of experience in Mergers and Acquisitions, Leveraged Buyouts (LBOs), Venture Capital Investing, Corporate Strategy, and Valuation in front-office roles at the likes of BNP Paribas CIB, Credit Agricole CIB, Groupe Danone, and TIW Private Equity. He has worked on and closed multiple acquisition deals, leveraged buyouts, and start-up investment transactions.

<ul><li>Western Union, a global leader in cross-border and cross-currency money movement, reported its financial results for the fourth quarter of 2025 and provided an outlook for 2026.</li><li>The company is in the midst of a transformational strategy, focusing on becoming a digital-first, retail-enabled consumer services company.</li><li>This strategy aims to balance the traditional core business with innovative digital solutions, leveraging its global footprint and brand recognition.</li></ul>

Western Union, a global leader in cross-border and cross-currency money movement, reported its financial results for the fourth quarter of 2025 and provided an outlook for 2026.The company is in the midst of a transformational strategy, focusing on becoming a digital-first, retail-enabled consumer services company.This strategy aims to balance the traditional core business with innovative digital solutions, leveraging its global footprint and brand recognition.

Western Union: Consumer Services Break Out as Travel Money and Bill Pay Reshape the Growth Mix!

<ul><li>Western Union's third quarter 2025 results indicate both progress and challenges as the company navigates a complex geopolitical and economic backdrop.</li><li>This performance reflects Western Union's strategic emphasis on expanding its digital offerings while continuing to leverage its global retail presence.</li><li>On the positive side, Western Union reported an adjusted revenue of $1.03 billion, marking a slight year-over-year decline of 1%, excluding impacts from Iraq.</li></ul>

Western Union's third quarter 2025 results indicate both progress and challenges as the company navigates a complex geopolitical and economic backdrop.This performance reflects Western Union's strategic emphasis on expanding its digital offerings while continuing to leverage its global retail presence.On the positive side, Western Union reported an adjusted revenue of $1.03 billion, marking a slight year-over-year decline of 1%, excluding impacts from Iraq.

Western Union: Can The Digital Transformation & Stablecoin Integration Help Transform Them Into A Fintech Powerhouse?

<ul><li>Western Union is making strategic headlines with its agreement to acquire International Money Express for $16 per share in cash, valuing the deal at roughly $500 million.</li><li>The acquisition price reflects a 50% premium to Intermex’s 90-day volume-weighted average price and signals Western Union’s intent to strengthen its U.S. retail footprint while expanding into high-potential geographies.</li><li>The move comes amid a challenging macro backdrop for Western Union, which recently reported Q2 2025 revenues of $1.026 billion, down 1% year-over-year (excluding Iraq), with ongoing headwinds in U.S. outbound corridors due to heightened immigration enforcement.</li></ul>

Western Union is making strategic headlines with its agreement to acquire International Money Express for $16 per share in cash, valuing the deal at roughly $500 million.The acquisition price reflects a 50% premium to Intermex’s 90-day volume-weighted average price and signals Western Union’s intent to strengthen its U.S. retail footprint while expanding into high-potential geographies.The move comes amid a challenging macro backdrop for Western Union, which recently reported Q2 2025 revenues of $1.026 billion, down 1% year-over-year (excluding Iraq), with ongoing headwinds in U.S. outbound corridors due to heightened immigration enforcement.

Western Union’s $500 Million Intermex Deal: The High-Stakes Bet On Corridor Dominance!

<ul><li>Western Union's first quarter 2025 results reflect a company in transition, grappling with a challenging macroeconomic environment while pursuing its Evolve 2025 strategy to reinvigorate growth.</li><li>The company reported revenue of $984 million, marking a 2% decline when adjusted for geopolitical impacts in countries like Iraq, Russia, and Belarus.</li><li>Despite these challenges, transaction growth continued at 3%, a positive indicator in the broader context of the financial services market.</li></ul>

Western Union's first quarter 2025 results reflect a company in transition, grappling with a challenging macroeconomic environment while pursuing its Evolve 2025 strategy to reinvigorate growth.The company reported revenue of $984 million, marking a 2% decline when adjusted for geopolitical impacts in countries like Iraq, Russia, and Belarus.Despite these challenges, transaction growth continued at 3%, a positive indicator in the broader context of the financial services market.

Western Union Accelerates Digital Surge with 14% Growth & Loyalty-Driven Engagement; What’s Next?

United States

The Western Union Company offers global money transfer services. The Company offers consumer to consumer money transfer and bill paying services, and sells money orders.

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Western Union Co (WU US)

Western Union (WU): Digital Last

Why would we not love a company whose stock yields 10% and that is buying back shares? In a nutshell, because Western Union (WU) is uncompetitive...

J Capital Research

Western Union: Consumer Services Break Out as Travel Money and Bill Pay Reshape the Growth Mix!

Western Union, a global leader in cross-border and cross-currency money movement, reported its financial results for the fourth quarter of 2025...

Baptista Research

Western Union: Can The Digital Transformation & Stablecoin Integration Help Transform Them Into A Fintech Powerhouse?

Western Union's third quarter 2025 results indicate both progress and challenges as the company navigates a complex geopolitical and economic...

Baptista Research

Western Union’s $500 Million Intermex Deal: The High-Stakes Bet On Corridor Dominance!

Western Union is making strategic headlines with its agreement to acquire International Money Express for $16 per share in cash, valuing the deal...

Baptista Research

Western Union Accelerates Digital Surge with 14% Growth & Loyalty-Driven Engagement; What’s Next?

Western Union's first quarter 2025 results reflect a company in transition, grappling with a challenging macroeconomic environment while pursuing...

Baptista Research

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