WU
The Western Union Company9.61
+0.02+0.21%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Guide: flat organic, Intermex boost
Q&A clarified the 2026 guide assumes flat organic revenue with Intermex adding 6-7% post mid-Q2 close, while early-year trends improved over Q4 and show no remittance tax impact yet. Exclusive agent wins signal a robust pipeline beyond the $100M announced, all accretive to operating income. Digital growth faces flattening new-customer acquisition outside Middle East from aggressive rivals and AI-driven search shifts, though modest revenue acceleration is baked in. Corridors like U.S.-Mexico stabilize but stay volatile. Intermex accelerates U.S. retail toward Europe-like tactics. Agent pipeline builds. Watch tax fallout and synergies.
Key Stats
Market Cap
3.10BP/E (TTM)
4.18Basic EPS (TTM)
2.30Dividend Yield
0.1%Recent Filings
8-K
Beyond strategy eyes $5B revenue
Western Union unveiled its 'Beyond' strategy at the November 6, 2025 Investor Day, targeting 20% revenue growth to $5B midpoint and 30% adjusted EPS rise to $2.30 by 2028 via digital-first expansion and stablecoin push. Consumer Services should sustain double-digit growth. Metrics unreconciled to GAAP. Risks loom from economic shifts.
8-K
Q3 revenue flat, digital surges
Western Union posted Q3 2025 revenue of $1.03 billion, flat year-over-year, with adjusted revenue excluding Iraq down 1%. Consumer Services rocketed 49% via Eurochange acquisition and Argentina bill pay; Branded Digital climbed 7% with 12% transaction surge. Yet CMT dipped 6%. Operating margin hit 20%. Full-year adjusted EPS outlook holds at $1.65-$1.75. Digital gains offset retail slowdown.
8-K
Western Union to acquire IMXI
Western Union signed a merger agreement on August 10, 2025, to acquire International Money Express (IMXI) for $16.00 per share in cash. Merger Sub will merge into IMXI, making it a wholly owned subsidiary, pending stockholder approval, HSR clearance, money transmitter licenses, and no material adverse effect on IMXI. Closing targeted before May 11, 2026, extendable to November amid regulatory hurdles. Termination fees: IMXI pays $19.8M on superior proposal; Western Union pays $27.3M on antitrust blocks.
8-K
WU acquires Intermex for $500M
Western Union agreed to acquire International Money Express in an all-cash deal at $16.00 per share, totaling ~$500 million equity value. Announced August 10, 2025, it bolsters U.S. retail presence and Latin America corridors. Targets $30 million annual cost synergies within 24 months; accretive >$0.10 to adjusted EPS first full year post-close in mid-2026. Regulatory and stockholder approvals pending.
8-K
Q2 revenue dips; digital grows
Western Union reported Q2 revenue of $1.03B, down 4% yet adjusted excluding Iraq down just 1%, with Branded Digital up 6% on 9% transaction growth and Consumer Services surging 39% via Eurochange acquisition. GAAP EPS fell to $0.37; margins held at 19%. Ben Hawksworth steps in as COO July 22. Full-year adjusted EPS outlook: $1.65-$1.75. Iraq volatility persists.
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