Adjusted earnings per share came in at $0.45 compared to $0.40 this quarter a year ago. Our retail business in The Americas continued to face headwinds associated with the current geopolitical environment, and while it may be too early to say that we have reached bottom, we are potentially seeing some stabilization. We did see strong performance in many corridors and geographies, offset by continued weakness in The Americas across several large corridors, most notably U.S. to Mexico. Although from a transac ...

The Western Union Company (NYSE:WU) Q4 2025 Earnings call February 20, 2026 08:30 AM ET Company ParticipantsBryan Keane - Head of North America Payments Processors and IT Services ResearchDarrin Peller - Managing DirectorDevin McGranahan - CEOJames Faucette - Managing DirectorMatt Cagwin - CFORayna Kumar - Managing Director of Fintech Equity ResearchTimothy Chiodo - Managing DirectorTom Hadley - VP of Investor RelationsWill Nance - VPConference Call ParticipantsTien-tsin Huang - Senior AnalystOperatorGood d ...

The Western Union Company (NYSE:WU) Q4 2025 Earnings call February 20, 2026 08:30 AM ET Company ParticipantsBryan Keane - Head of North America Payments Processors and IT Services ResearchDarrin Peller - Managing DirectorDevin McGranahan - CEOJames Faucette - Managing DirectorMatt Cagwin - CFORayna Kumar - Managing Director of Fintech Equity ResearchTimothy Chiodo - Managing DirectorTom Hadley - VP of Investor RelationsWill Nance - VPConference Call ParticipantsTien-tsin Huang - Senior AnalystOperatorGood d ...

The Western Union Company (NYSE:WU) Q4 2025 Earnings call February 20, 2026 08:30 AM ET Speaker5Good day, and welcome to the Western Union fourth quarter 2025 results conference call. All participants will be in listen-only mode. After today's presentation, there will be an opportunity to ask questions. Please note, this event is being recorded. I would now like to turn the conference over to Tom Hadley, Vice President of Investor Relations. Tom, please go ahead.Speaker9Thank you. On today's call, we will d ...

Western Union (WU) came out with quarterly earnings of $0.45 per share, beating the Zacks Consensus Estimate of $0.43 per share. This compares to earnings of $0.4 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +4.34%. A quarter ago, it was expected that this money transfer company would post earnings of $0.43 per share when it actually produced earnings of $0.47, delivering a surprise of +9.3%.Over the last four quarters, the ...

Core Insights - Western Union reported adjusted EPS of $0.45, beating the consensus estimate of $0.43, but its core Consumer Money Transfer business declined 7% year-over-year to $871.5 million, indicating deeper structural challenges [1][2] - The company's fourth-quarter revenue fell 5% year-over-year to $1.01 billion, contributing to a full-year revenue decline of 4% to $4.05 billion [1][2] - Operating cash flow dropped 48% from $1.05 billion in 2021 to $406.3 million in 2024, raising concerns about the sustainability of its 9.9% dividend yield [1][2] Financial Performance - The net income collapsed 70% to $114.4 million due to restructuring charges and asset impairments related to winding down Russian operations [1] - Adjusted operating margins improved to 20% from 17% a year earlier through aggressive cost-cutting measures [1] - The company returned $529 million to shareholders in 2025, with $304 million in dividends and $225 million in buybacks [1][2] Digital Transformation Efforts - Western Union launched a US Dollar Payment Token (USDPT) on the Solana blockchain to compete in the $900 billion global remittance market [1] - The Branded Digital segment now accounts for 30% of Consumer Money Transfer revenues, showing growth of 7% in revenue and 13% in transaction volume [1] - The company is also building a Digital Asset Network for on-chain cross-border payments and opening a Global Capability Center in India focused on AI-led innovation [1] Strategic Acquisitions - Western Union is acquiring Intermex, expected to close in Q2 2026, which raises questions about the strategy of consolidating physical retail while transaction volumes migrate online [1][2] - Consumer Services revenue surged 15% in Q4 to $136.9 million, driven by the Eurochange Limited acquisition, indicating successful M&A targeting adjacent markets [1] Future Outlook - Management issued 2026 guidance for 5% to 8% GAAP revenue growth and adjusted EPS of $1.75 to $1.85, contingent on the successful closure of the Intermex acquisition [2] - Analyst consensus is largely negative, with a majority rating the stock as "Reduce" and a 12-month price target averaging $9.96, indicating skepticism about future earnings stabilization [2] - The company faces a critical period over the next 18 to 24 months, where the success of its digital initiatives and the integration of Intermex will be pivotal for its stock value and dividend sustainability [2]

Fourth Quarter and Full Year 2025 Financial Results February 20, 2026 Western Union 2 Tom Hadley Vice President of Investor Relations Western Union Forward-Looking Statements This presentation contains certain statements that are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions that are difficult to predict. Actual outcomes and results may differ mate ...

FOR IMMEDIATE RELEASE Western Union Reports Fourth Quarter and Full Year 2025 Results DENVER, February 20, 2026 – The Western Union Company (the "Company" or "Western Union") (NYSE: WU) today reported fourth quarter and full year 2025 financial results. The Company's fourth-quarter revenue of $1.0 billion decreased 5% on both a reported and an adjusted basis. The change in revenue was largely driven by growth in our Consumer Services and Branded Digital businesses offset by a slowdown in the Americas retail ...

Core Viewpoint - Western Union is positioned as a significant player in the global money movement and payment services industry, with a focus on enhancing its Consumer Services segment and maintaining a strong market presence [1][3]. Group 1: Financial Performance and Expectations - Analysts' consensus price target for Western Union's stock has remained stable, increasing slightly from $8.94 to $9.00, indicating confidence in the company's business model [2]. - Analyst Andrew Jeffrey from Truist Financial has set a more optimistic price target of $18, suggesting potential for significant growth [2][5]. - The company is expected to report strong growth in its Consumer Services segment for the fourth quarter, which may lead to an earnings beat [3][6]. Group 2: Operational Insights - Despite challenges such as the suspension of U.S. immigrant visa processing, Western Union's global operations are robust, with 62% of its remittance revenue generated outside North America [4]. - The company is trading at a forward earnings multiple of just 5x, with robust margins of 18% and a well-covered dividend yield of 10% [4]. Group 3: Strategic Initiatives - Western Union's stablecoin initiative, USDPT, is a significant development aimed at enhancing its financial strategy by generating interest on float and reducing banking fees [5]. - A $150 million cost-saving program has been completed ahead of schedule, reflecting the company's focus on efficiency and margin expansion [5][6].

If you are a dividend investor looking to maximize the income your portfolio generates, you have probably seen Western Union (NYSE: WU) pop up on your stock screens. After all, the stock's 9.7% dividend yield is dramatically above the S&P 500 index's (SNPINDEX: ^GSPC) tiny 1.1% average yield. Here's why it could be underrated as a dividend investment, and some risks to consider before you step aboard. The good news about Western Union Western Union's huge yield will be highly attractive to investors try ...