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Sep 30
Western Union Q3 2025 Earnings Report
Western Union reported steady revenue and strong Consumer Services growth during the third quarter of 2025.
Key Takeaways
Western Union’s third-quarter 2025 results showed stable overall revenue at $1.03 billion, driven by significant expansion in Consumer Services and Branded Digital segments, offsetting a slowdown in North America retail. Adjusted EPS improved slightly year-over-year, supported by improved cost efficiencies and higher operating margin.
Total revenue was $1.03 billion, flat compared to Q3 2024.
GAAP EPS was $0.43, and adjusted EPS rose to $0.47.
Consumer Services revenue surged 49% year-over-year to $154.6 million.
Branded Digital revenue grew 7%, with transactions increasing 12%.
Western Union
Western Union
Western Union Revenue by Segment
Western Union Revenue by Geographic Location
Revenue by Segment
Consumer Money Transfer Revenue
CapyFin.comConsumer Services Revenue
CapyFin.comRevenue by Geographic Location
North America Revenue
CapyFin.comEurope & CIS Revenue
CapyFin.comMiddle East, Africa & South Asia Revenue
CapyFin.comLatin America & Caribbean Revenue
CapyFin.comAsia Pacific Revenue
CapyFin.com Forward Guidance
Western Union reaffirmed its 2025 full-year outlook, maintaining expectations for steady revenue and margin performance amid efficiency gains and continued digital growth.
Positive Outlook
- Consumer Services expected to sustain strong growth from travel money and bill pay businesses.
- Branded Digital continues to gain traction with growing share of total transactions.
- Operating margin projected to remain between 19% and 21%.
- Cost efficiencies expected to offset inflationary pressures.
- Continued improvement in adjusted EPS outlook to $1.65–$1.75.
Challenges Ahead
- Consumer Money Transfer volumes under pressure in North America and MEASA regions.
- FX volatility remains a risk to reported revenue.
- Competitive intensity in remittance pricing expected to persist.
- Interest expense anticipated to remain elevated.
- Limited near-term uplift from divestiture-related reinvestments.