Western Union (WU) Company Report

Western Union reported Q4 2025 adjusted revenue of $1 billion, a 5% year-over-year decline, and adjusted earnings per share of $0.45, up from $0.40 a year ago. For the full year 2025, adjusted EPS was $1.75 and adjusted operating margin was 20%.
The company provided a 2026 outlook for adjusted revenue growth of 6%-9% and adjusted EPS between $1.75 to $1.85, which includes the Intermex acquisition expected to close in Q2 2026. Organic revenue growth is expected to be closer to flattish.
Strategic initiatives include new retail partnerships with Canada Post, Vallarta Markets, and an exclusive agreement with Kroger, projected to generate an incremental $100 million in retail revenue annually when fully ramped.
The Consumer Services business demonstrated strong performance, with adjusted revenue growth of 26% in Q4 2025 and nearly 30% for the full year, and is expected to grow double-digit annually going forward.
The significant U.S. to Mexico corridor showed signs of stabilization in Q4 2025 and early 2026 after a challenging period.

8 days ago

Transcript

Western Union Reports Q4 2025 Results and Provides 2026 Outlook

Earnings

Guidance Update

M&A

Western Union reported Q4 2025 adjusted revenue of $1 billion, a 5% decline year-over-year, and adjusted EPS of $0.45, up from $0.40 a year ago. For the full year 2025, adjusted EPS was $1.75, reaching the top end of guidance.
The company's Consumer Services business was a key growth driver, with Q4 adjusted revenue up 26% and full-year adjusted revenue up almost 30%. This segment is expected to continue strong growth, with Travel Money revenue projected to approach $150 million in 2026.
For 2026, Western Union expects adjusted revenue growth of 6%-9% and adjusted EPS between $1.75 and $1.85, which includes the anticipated acquisition of Intermex in Q2 2026. Organic growth is projected to be closer to flattish.
Strategic initiatives include the Intermex acquisition, new exclusive partnerships with Deutsche Post and Canada Post, and the expansion of its digital asset strategy, targeting a market launch of its U.S. dollar payment token (USDPT) by mid-2026.

8 days ago

Transcript

Western Union Reports Q4 and Full Year 2025 Results, Provides 2026 Outlook

Earnings

Guidance Update

M&A

Western Union reported Q4 2025 adjusted revenue of $1 billion, representing a 5% year-over-year decline, and adjusted EPS of $0.45, an increase from $0.40 a year ago.
For the full year 2025, GAAP revenue was $4.1 billion, with adjusted EPS of $1.75, which was at the top end of their guidance range.
The company provided a 2026 outlook forecasting adjusted revenue growth of 6%-9% and adjusted EPS between $1.75-$1.85, including the Intermex acquisition expected to close in Q2 2026.
Strategic growth areas include Consumer Services adjusted revenue, which grew 26% in Q4 and 30% for the full year 2025, and the Branded Digital Business, with transactions up 13% and adjusted revenue up 6% in Q4. New partnerships are anticipated to add at least $100 million in incremental retail revenue annually when fully ramped.

8 days ago

Transcript

Western Union Reports Q4 and Full Year 2025 Results, Provides 2026 Outlook

Earnings

Guidance Update

M&A

Western Union reported Q4 2025 GAAP revenue of $1.0 billion, a 5% decrease, and full year GAAP revenue of $4.1 billion, down 4%.
Q4 2025 GAAP EPS was $0.36 and adjusted EPS was $0.45; full year GAAP EPS was $1.52 and adjusted EPS was $1.75.
The Board of Directors approved a Q1 2026 dividend of $0.235 per share, payable March 31, 2026.
The company expects to close the acquisition of International Money Express, Inc. in the second quarter of 2026.
For full year 2026, Western Union anticipates GAAP revenue growth of 5% to 8% and adjusted revenue growth of 6% to 9%, with GAAP EPS between $1.50 and $1.60 and adjusted EPS between $1.75 and $1.85.

8 days ago

8-K

Western Union Reports Q4 and Full Year 2025 Results, Provides 2026 Outlook

Earnings

Guidance Update

M&A

Western Union reported Q4 2025 GAAP revenue of $1.0 billion, down 5% on both a reported and adjusted basis, and full year GAAP revenue of $4.1 billion, down 4% on a reported basis and 2% on an adjusted basis.
Q4 2025 GAAP EPS was $0.36 (adjusted EPS of $0.45), while full year GAAP EPS was $1.52 (adjusted EPS of $1.75).
The company's Consumer Services GAAP revenue grew 15% (26% adjusted) in Q4 2025 and 32% (29% adjusted) for the full year 2025. Branded Digital GAAP revenue grew 7% (6% adjusted) for both Q4 and full year 2025.
For full year 2026, Western Union projects GAAP revenue growth of 5% to 8% (adjusted 6% to 9%) and GAAP EPS of $1.50 to $1.60 (adjusted EPS of $1.75 to $1.85).
The Board of Directors approved a Q1 2026 dividend of $0.235 per share , and the acquisition of International Money Express, Inc. is now expected to close in the second quarter of 2026.

8 days ago

Press Release

Western Union Reports Full-Year 2025 Results and 47% Net Income Drop

Earnings

Guidance Update

M&A

Western Union reported full-year 2025 revenue of approximately $4.1 billion, a roughly 4% year-over-year decrease, with GAAP net income falling 47% to $499.6 million due to prior year's nonrecurring tax benefits. Adjusted EPS for 2025 was $1.75.
The company returned approximately $529 million to shareholders via dividends and buybacks, and operating and adjusted margins improved to about 19% GAAP and 20% adjusted, respectively, due to cost reductions.
Western Union announced a $500 million agreement to acquire Intermex, expected to close in Q2 2026, to strengthen U.S.–Latin America corridors. The company also plans new products, including a USD-backed stablecoin (USDPT).
Management provided 2026 guidance, projecting GAAP sales between $4.254 billion and $4.375 billion and adjusted EPS of $1.75 to $1.85.
The stock fell approximately 5.6% intraday following the report, closing at $8.91, leaving market capitalization near $2.84 billion.

Feb 19, 2026, 8:35 PM

Morningstar

Western Union secures $800 million delayed draw term loan facility

Debt Issuance

The Western Union Company entered into a $800,000,000 unsecured delayed draw term loan credit agreement on January 9, 2026.
The facility allows Western Union to draw term loans until July 8, 2026, and has an option to increase commitments up to an aggregate of $1,000,000,000.
The proceeds from the term loans are designated for general corporate requirements, including debt refinancing and permitted acquisitions.
Interest is calculated using either the Term SOFR Rate (currently with a 1.250% margin) or the Base Rate (currently with a 0.250% margin), and a 0.110% ticking fee is payable on unused commitments. The final maturity date is the third anniversary of the initial funding date.

Jan 9, 2026, 10:06 PM

8-K

Wynn Resorts Announces CFO Succession

CFO Change

Management Change

New Projects/Investments

Craig Fullalove will succeed Julie Cameron-Doe as Chief Financial Officer of Wynn Resorts, Limited.
Ms. Cameron-Doe will retire in mid-2026 but will continue to serve as a consultant to Wynn Resorts and as a Non-Executive Director of Wynn Macau, Limited. She is also a Non-Executive Director of The Western Union Company.
Mr. Fullalove is currently the Chief Financial Officer and Chief Administrative Officer of Wynn Resorts’ Macau operations and its Hong Kong-listed entity, Wynn Macau, Limited. He joined Wynn Macau in January 2020.
Ms. Cameron-Doe, who has served as CFO since April 2022, was instrumental in the company's expansion into Europe with the acquisition of Wynn Mayfair and in securing financing for the $5.1 billion Wynn Al Marjan Island project in the United Arab Emirates.

Jan 9, 2026, 9:35 PM

Press Release

Western Union Discusses "Beyond Remittance" Strategy and Three-Year Financial Targets at UBS Conference

M&A

Guidance Update

Revenue Acceleration/Inflection

Western Union is pursuing a "Beyond Remittance" strategy, with its Consumer Services business growing 49% last quarter and expected to double again over the next three years, targeting a $1 billion business by 2028.
The acquisition of Intermex, expected to close mid-next year, is a key growth driver, contributing $500-$600 million to revenue over the next three years and expanding Western Union's U.S. agent footprint and company-owned stores.
The company's digital-first strategy includes a stablecoin initiative to free up capital and enable real-time payments, and account payout transactions have grown 30%+ for over two years, offering higher customer stickiness and principal per transaction.
Western Union provided a three-year financial outlook, targeting 20%+ revenue growth and 30% EPS growth to $2.30, supported by a new $150 million cost optimization goal.

Dec 2, 2025, 11:15 PM

Transcript

Western Union Outlines Three-Year Financial Targets and Strategic Growth Initiatives

Guidance Update

M&A

New Projects/Investments

Western Union (WU) projects over 20% overall revenue growth and $2.30 EPS (a 30% increase) over the next three years, supported by a new $150 million cost savings goal.
The company's Consumer Services business, which grew 49% last quarter and doubled over the past three years, is targeted to reach approximately $1 billion by 2028.
The acquisition of Intermex, valued at roughly five times EBITDA before synergies (or four times after), is anticipated to close in mid-2026 and contribute $500-$600 million to the three-year revenue growth.
WU is advancing its digital strategy, including a stablecoin initiative with DAN network partnerships launching in the first half of next year, and continues to see over 30% growth in account payout transactions.
The North America retail business has stabilized at its current decline for two consecutive quarters, with expectations for easier comparisons starting in Q2 next year.

Dec 2, 2025, 11:15 PM

Transcript

Earnings Transcripts

Quarterly earnings call transcripts for Western Union.

Q4 2025

Feb 20, 2026

→

Q3 2025

Oct 23, 2025

→

Q2 2025

Jul 28, 2025

→

View All Transcripts

Ask Fintool AI Agent

Get instant answers from SEC filings, earnings calls & more

What did Devin B. McGranahan say about margins?What are Western Union's strategic priorities?How is Western Union positioned vs competitors?How did Western Union do last quarter?

Western Union (WU)

Analyst Earnings Quarterly Reports

Q3 2025

Q2 2025

Q1 2025

Q4 2024

Executives

Devin B. McGranahan

Barry Cooper

Ben Hawksworth

Benjamin C. Adams

Giovanni Angelini

Matt Cagwin

Board Members

Angela A. Sun

Betsy D. Holden

Jan Siegmund

Jeffrey A. Joerres

Julie M. Cameron-Doe

Martin I. Cole

Michael A. Miles, Jr.

Solomon D. Trujillo

Timothy P. Murphy

Suzette M. Deering

Analyst Coverage

Darrin Peller

Tien-tsin Huang

Timothy Chiodo

Bryan Keane

Rayna Kumar

Will Nance

James Faucette

Ramsey El-Assal

Andrew Schmidt

Jamie Friedman

Jason Kupferberg

Nate Svensson

Zachary Gunn

Cris Kennedy

Cristopher Kennedy

Gus Gala

Kartik Mehta

Rufus Hone

Vasundhara Govil

William Nance

Chris Zeng

Ken Suchoski

Latest news

Earnings Transcripts

Q4 2025

Q3 2025

Q2 2025

Ask Fintool AI Agent