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Sep 30, 2023

Western Union Q3 2023 Earnings Report

Reported third quarter results, exceeding expectations driven by revenue growth from Iraqi monetary policy change and positive global branded digital revenue growth.

Key Takeaways

Western Union's third-quarter revenue reached $1.10 billion, a 1% increase on a reported basis, or 7% on an adjusted basis. GAAP EPS was $0.46, and adjusted EPS was $0.43, both increasing 2% year-over-year. The company improved its full-year 2023 outlook.

Q3 GAAP revenue of $1.10 billion grew 1% on a reported basis, or 7% on an adjusted basis.

Q3 GAAP EPS of $0.46 and Q3 adjusted EPS of $0.43 both increased 2% year-over-year.

Branded Digital business achieved 3% revenue growth in Q3 on double-digit transaction growth.

Company improves full-year 2023 outlook.

Total Revenue
$1.1B
Previous year: $1.09B
+0.7%
EPS
$0.43
Previous year: $0.42
+2.4%
C2C Transactions
70.6M
Previous year: 66.9M
+5.5%
C2C Transaction Growth
5%
C2C Revenue Growth
4%
Gross Profit
$411M
Previous year: $452M
-9.2%
Cash and Equivalents
$1.14B
Previous year: $1.18B
-3.2%
Free Cash Flow
$250M
Previous year: $210M
+19.0%
Total Assets
$7.91B
Previous year: $8.9B
-11.1%

Western Union

Western Union

Western Union Revenue by Segment

Forward Guidance

The company improved its 2023 full-year revenue and EPS outlook. The outlook assumes no material changes in macroeconomic conditions, including changes in foreign currencies or Argentinian inflation.

Positive Outlook

  • Revenue: (4%) to (3%)
  • Adjusted revenue: 0% to 1%
  • Operating Margin: 18% to 20%
  • Adjusted Operating Margin 19% to 21%
  • EPS $1.67 to $1.74

Revenue & Expenses

Visualization of income flow from segment revenue to net income