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Sep 30, 2025
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%.
Revenue by Segment
Revenue by Geographic Location
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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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