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Dec 31, 2025
Western Union Q4 2025 Earnings Report
Western Union reported lower revenue and earnings in the fourth quarter of 2025, with growth in Consumer Services and Branded Digital partially offset by declines in Consumer Money Transfer.
Key Takeaways
Western Union generated $1008400000 in Q4 2025 revenue, down 5% year over year, while net income declined to $114400000 and diluted EPS was $0.36. Consumer Services grew strongly, but Consumer Money Transfer revenues and transactions decreased.
Revenue declined 5% year over year to $1008400000.
Net income decreased to $114400000 with diluted EPS of $0.36.
Consumer Services revenue increased 15% year over year.
Branded Digital revenue grew 7% with transaction growth of 13%.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
For full year 2026, Western Union expects GAAP revenue growth of 5% to 8% and GAAP EPS between $1.50 and $1.60, with adjusted EPS between $1.75 and $1.85.
Positive Outlook
- Projected GAAP revenue growth of 5% to 8% in 2026.
- Adjusted revenue growth expected between 6% and 9%.
- GAAP EPS guidance range of $1.50 to $1.60.
- Adjusted EPS guidance range of $1.75 to $1.85.
- Adjusted effective tax rate expected between 13% and 15%.
Challenges Ahead
- Revenue declined 5% year over year in Q4 2025.
- Consumer Money Transfer revenue decreased 7% year over year.
- C2C transactions declined 2% year over year.
- GAAP EPS significantly lower than prior year due to tax benefit in 2024.
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
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