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Dec 31, 2022

Western Union Q4 2022 Earnings Report

Western Union's fourth quarter results were in line with expectations, with GAAP EPS increasing due to a non-cash charge in the prior year and adjusted EPS decreasing due to lower operating profit.

Key Takeaways

Western Union reported a 15% decrease in Q4 GAAP revenue to $1.1 billion, but GAAP EPS increased by 55% year-over-year to $0.65. Adjusted EPS decreased by 50% year-over-year to $0.32. The company saw growth in new U.S. outbound branded digital customers, which grew 30% during the quarter. The C2C revenues declined 11% on a reported basis, while transactions declined 12% compared to the prior year period.

Q4 GAAP revenue of $1.1 billion, down 15% on a reported basis, or 6% on an adjusted basis.

GAAP EPS of $0.65, an increase of 55% year-over-year; Adjusted EPS of $0.32, a decrease of 50% year-over-year.

New U.S. outbound branded digital customers grew 30% during the fourth quarter.

The Board of Directors approved the quarterly dividend of $0.235 per common share, payable March 31, 2023.

Total Revenue
$1.09B
Previous year: $1.29B
-15.0%
EPS
$0.32
Previous year: $0.64
-50.0%
C2C Transactions
69.3M
Previous year: 78.3M
-11.5%
C2C Transaction Growth
-12%
0
C2C Revenue Growth
-11%
Previous year: -1%
+1000.0%
Gross Profit
$411M
Previous year: $570M
-27.8%
Cash and Equivalents
$1.29B
Previous year: $1.21B
+6.4%
Free Cash Flow
$48.4M
Previous year: $348M
-86.1%
Total Assets
$8.5B
Previous year: $8.82B
-3.7%

Western Union

Western Union

Western Union Revenue by Segment

Western Union Revenue by Geographic Location

Forward Guidance

The Company reaffirmed its 2023 adjusted full year financial outlook provided on October 20, 2022. The outlook assumes no material changes in macroeconomic conditions, including changes in foreign currencies.

Revenue & Expenses

Visualization of income flow from segment revenue to net income