Core Insights - The company reported adjusted earnings per share of $0.45, an increase from $0.40 in the same quarter last year, indicating a potential stabilization in its retail business despite ongoing geopolitical challenges [1][34] - Consumer money transfer transactions decreased by 2.5% in the quarter, but cross-border principal growth showed resilience, suggesting a strong customer base adapting to macroeconomic conditions [2][37] - The company aims to build a digital-first, retail-enabled consumer services model, leveraging its global brand and payment capabilities to moderate fluctuations in its core remittance business [3][4] Financial Performance - For the fourth quarter, the company reported revenue of $1 billion, reflecting a 5% decline year-over-year on an adjusted basis [3][32] - The full year GAAP revenue was $4.1 billion, with adjusted revenue growth excluding Iraq down by 2% due to challenges in the Americas retail business [32][34] - Adjusted operating margin for the full year was 20%, up from 19% in the previous year, benefiting from cost discipline [34] Consumer Services and Digital Growth - Consumer services adjusted revenue grew by 26% in the fourth quarter and nearly 30% for the full year, driven by travel money and bill payments [35][36] - The branded digital business saw a 13% increase in transactions and a 6% rise in adjusted revenue, marking nine consecutive quarters of revenue growth [38][39] - The digital business now accounts for over 40% of the principal sent globally, with significant growth opportunities in the Middle East and other regions [21][22] Market Dynamics and Strategy - The company is focusing on operational efficiencies and expanding its payment capabilities to drive productivity and market competitiveness [4][6] - Recent geopolitical changes in regions like Chile and Venezuela are impacting migration and mobility, creating a dynamic environment for the business [8][62] - The implementation of a U.S. remittance tax has not materially impacted the business so far, but the company is closely monitoring its effects [9][15] Partnerships and Expansion - The company has secured several new exclusive partnerships, including with Canada Post and Deutsche Post, expected to generate at least $100 million in incremental retail revenue annually [27][29] - The company is expanding its wallet capabilities in various countries, including Australia, Mexico, Singapore, and the Philippines, to enhance customer retention and monetization [12][13][25] - The company is also developing a digital asset strategy, including the launch of a U.S. Dollar payment token and partnerships for stablecoin transactions [24][25][73] Outlook - The adjusted revenue outlook for 2026 is projected to grow by 6% to 9%, with adjusted EPS expected to be between $1.75 and $1.85 [44][45] - The company anticipates that the integration of Intermex will contribute positively to its financial performance, with expected synergies enhancing overall profitability [70][71] - The company is adapting its customer acquisition strategies to remain competitive in a changing market landscape, particularly in response to aggressive offers from lower-scale players [76][77]

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 ...

Core Points - Canada Post has finalized the language in its tentative contract agreement with mail carriers, paving the way for the Canadian Union of Postal Workers to schedule a ratification vote [1] - The five-year contract includes wage increases, enhanced benefits, and the initiation of weekend parcel delivery with part-time workers to better compete with private carriers [2] - The agreement does not include Canada Post's demands for dynamic routing and load leveling, but it does provide more opportunities for temporary workers to secure regular positions [2] Financial Context - Canada Post has reported losses exceeding $3 billion over the past seven years, prompting the need for a flexible business model to adapt to declining mail demand and competition from alternative parcel carriers [3] - The proposed dynamic routing would have allowed Canada Post to optimize delivery routes based on various factors, but this was not included in the final agreement [3] Labor Relations - Labor negotiations spanned over two years and were marked by two general strikes, rotating strikes, and work slowdowns, creating significant uncertainty for households and businesses [4] - The labor unrest led many e-commerce shippers to switch to private sector delivery companies, contributing to a decline in Canada Post's parcel volumes and revenues [4]

Canada Post and union reach deal in principle to end strike https://t.co/XRYrTaUXKO ...

Canada Post and its main union reached “agreements in principle,” raising hopes that weeks of rotating strikes that disrupted mail and parcel deliveries nationwide could finally come to an end ahead of the holiday season https://t.co/LnZ9XBl3ZP ...

Canada Post said it needs short-term financing to stay solvent over the coming year because dire losses, worsened by a prolonged strike, mean recent government support will dry up three months early https://t.co/LqAB3ZkxXA ...

Canada Post is on strike. What this means for your mail https://t.co/rxUmk2Y0Fm ...

Nationwide strike by Canada's postal workers bring mail deliveries to a halt https://t.co/eNMzDE7Cnb ...

Workers at Canada’s national postal company are on strike for the second time in less than a year, shutting down a delivery service for millions of households and businesses https://t.co/sEI1dSqnZ9 ...

Government Policy & Financial Impact - The Canadian government has mandated the state-owned postal service to discontinue door-to-door delivery [1] - The postal service is facing significant financial losses and declining mail volumes [1] Operational Changes - The postal service is required to close post offices and decrease corporate expenditures [1]