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Mar 31, 2025
Western Union Q1 2025 Earnings Report
Western Union reported a decline in Q1 2025 revenue and net income, but continued strong digital transaction growth.
Key Takeaways
Western Union's Q1 2025 results showed a 6% drop in revenue to $983.6 million, largely driven by a sharp decline in Iraq-related revenue. Net income also fell 13% year-over-year. However, the Branded Digital segment maintained strong momentum, with 14% transaction growth and 7% revenue growth. The company reaffirmed its full-year guidance, indicating confidence in strategic execution.
Revenue declined 6% to $983.6 million, primarily due to reduced contribution from Iraq.
Branded Digital revenue grew 7% with 14% increase in transactions.
Net income dropped 13% year-over-year to $123.5 million.
Consumer Services segment grew 27%, supported by recent acquisition in the UK.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Western Union reaffirmed its 2025 guidance, expecting revenue between $4.09B and $4.19B and adjusted EPS between $1.75 and $1.85, with stable operating margins and effective tax rate outlook.
Positive Outlook
- Full-year revenue expected between $4.09B–$4.19B (GAAP).
- Adjusted EPS projected between $1.75–$1.85.
- Adjusted operating margin range of 19%–21%.
- Stable GAAP tax rate outlook of 19%–21%.
- Digital momentum expected to continue driving growth.
Challenges Ahead
- Revenue negatively impacted by Iraq operations volatility.
- Pressure from Argentina inflation continues in Consumer Services.
- Flat to declining revenue outlook in some regions (e.g., LACA, APAC).
- Currency headwinds remain a risk factor.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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