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Dec 31, 2024

Western Union Q4 2024 Earnings Report

Reported a slight revenue increase and improved EPS driven by consumer services and branded digital growth.

Key Takeaways

Western Union reported a 1% increase in Q4 revenue to $1.1 billion, driven by growth in Consumer Services and Branded Digital, though negatively impacted by lower contributions from Iraq. GAAP EPS was $1.13, including a $0.75 tax benefit, while adjusted EPS increased to $0.40.

Q4 GAAP revenue increased by 1% to $1.1 billion.

Branded Digital GAAP revenue grew by 7%.

Consumer Services GAAP revenue increased by 56%.

GAAP EPS was $1.13, which included a $0.75 tax benefit.

Total Revenue
$1.06B
Previous year: $1.05B
+0.6%
EPS
$0.4
Previous year: $0.37
+8.1%
C2C Transactions
75M
Previous year: 72.9M
+2.9%
C2C Transaction Growth
3%
Previous year: 5%
-40.0%
C2C Revenue Growth
-4%
Cash and Equivalents
$1.47B
Previous year: $1.27B
+16.2%
Free Cash Flow
$26.5M
Previous year: $258M
-89.7%
Total Assets
$8.37B
Previous year: $8.2B
+2.1%

Western Union

Western Union

Western Union Revenue by Segment

Western Union Revenue by Geographic Location

Forward Guidance

The Company expects the following financial results for full year 2025, which includes no material changes in macroeconomic conditions, including changes in foreign currencies or Argentinian inflation.