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Sep 30, 2024

Western Union Q3 2024 Earnings Report

Western Union's financial performance reflected a mix of challenges and progress, with revenue decline offset by growth in digital and consumer services.

Key Takeaways

Western Union reported a 6% decrease in Q3 GAAP revenue to $1.04 billion, but adjusted revenue, excluding Iraq, increased by 1%. Branded Digital revenue grew by 8%, and Consumer Services revenue grew by 32%. GAAP EPS was $0.78, and adjusted EPS was $0.46.

Q3 GAAP revenue was $1.04 billion, a 6% decrease, while adjusted revenue, excluding Iraq, increased by 1%.

Branded Digital revenue grew by 8%, with transactions up 15%.

Consumer Services revenue grew by 32% due to new and expanded products.

GAAP EPS was $0.78, and adjusted EPS was $0.46.

Total Revenue
$1.03B
Previous year: $1.1B
-5.8%
EPS
$0.46
Previous year: $0.43
+7.0%
C2C Transactions
72.6M
Previous year: 70.6M
+2.8%
Gross Profit
$382M
Previous year: $411M
-6.9%
Cash and Equivalents
$1.1B
Previous year: $1.14B
-3.3%
Free Cash Flow
$205M
Previous year: $250M
-17.8%
Total Assets
$7.68B
Previous year: $7.91B
-3.0%

Western Union

Western Union

Forward Guidance

The Company revised its GAAP operating margin and EPS outlook to include the impact related to redeployment program costs, Russia asset impairments and termination costs, and the IRS settlement. The Company reiterated its full year 2024 adjusted outlook based on performance. The outlook assumes no material changes in macroeconomic conditions.