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Jun 30, 2025
Western Union Q2 2025 Earnings Report
Western Union reported lower revenue and earnings for Q2 2025 amid regional weakness, but highlighted digital and consumer services growth.
Key Takeaways
Western Union’s Q2 2025 results showed a year-over-year revenue decline, driven by a downturn in North America retail and Iraq, though strength in digital and consumer services partly offset this. Adjusted EPS and net income declined from the prior year.
Revenue declined 4% to $1.03B due to weakness in North America and Iraq.
Branded Digital revenue grew 6%, with transactions up 9%.
Consumer Services revenue surged 39%, driven by travel money business in Europe.
GAAP EPS declined to $0.37 from $0.41 in Q2 2024.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Western Union expects full-year 2025 revenue between $4.085B and $4.185B, with adjusted EPS between $1.65 and $1.75, assuming stable macroeconomic conditions.
Positive Outlook
- Strong Consumer Services growth outlook from Travel Money expansion
- Branded Digital to continue growing transaction volume and revenue
- Cost initiatives expected to benefit margins
- Stable adjusted operating margin range of 19–21%
- Improved operating efficiencies despite macro headwinds
Challenges Ahead
- Revenue drag from continued challenges in Iraq
- North America retail performance remains weak
- Higher interest expenses forecast to persist
- Regulatory headwinds in certain regions may impact revenue
Historical Earnings Impact
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Avg. Return Before/After Earnings
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