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 Viewpoint - Western Union is expected to report a quarterly earnings per share (EPS) of $0.43, reflecting a 7.5% year-over-year increase, despite a projected 2.1% decline in revenues to $1.04 billion [2][6] Financial Performance - Analysts estimate a 7.5% year-over-year increase in EPS to $0.43, driven by a robust 23.6% growth in Consumer Services revenues [2] - Quarterly revenues are projected to decline by 2.1%, estimated at $1.04 billion [6] - Consumer Money Transfer revenues and C2C transactions are expected to decline year-over-year, but the company aims to offset these weaknesses through strong Consumer Services growth and reduced costs [3] Valuation Metrics - The company's price-to-earnings (P/E) ratio is approximately 4.12, indicating a relatively low valuation compared to its earnings [4][6] - The price-to-sales ratio stands at about 0.75, suggesting that the market values its sales at less than one times its revenue [4] - The enterprise value to sales ratio is around 1.05, while the enterprise value to operating cash flow ratio is approximately 7.90, reflecting the company's ability to generate cash flow relative to its enterprise value [5] Return on Investment - The earnings yield is about 24.24%, providing a measure of return on investment for shareholders [5]

Group 1 - International Money Express Inc. (NASDAQ:IMXI) is a Florida-based remittance services company currently in the process of being acquired by Western Union [2][3] - The acquisition deal was announced on August 10th, with Western Union set to pay $16 per share, totaling $500 million [3] - On December 9th, shareholders approved the acquisition, with 71.5% of shareholders present and nearly all voting in favor [2] Group 2 - The firm's shares increased by 59% on the day the acquisition was announced [3] - International Money Express Inc. operates a platform called remittance-as-a-service (RaaS), allowing businesses to integrate remittances into their operations [3] - The company has also partnered with Canadian money services provider Orbit Money Transfer, enabling Orbit's customers to access IMXI's network [3]

Core Viewpoint - The expiration of the waiting period under the Hart-Scott-Rodino Antitrust Improvements Act is a significant regulatory milestone for Western Union's planned acquisition of Intermex, which is expected to close in mid-2026, pending other regulatory approvals and stockholder consent [1][2]. Company Overview Western Union - Western Union is a global leader in cross-border, cross-currency money movement and digital financial services, operating in over 200 countries and territories with more than 130 currencies [3]. - The company aims to provide accessible financial services to help individuals and communities prosper [3]. Intermex - Intermex, founded in 1994, utilizes proprietary technology to facilitate money transfers from the U.S., Canada, Spain, Italy, the U.K., and Germany to over 60 countries [4]. - The company operates through a network of agent retailers, company-operated stores, mobile apps, and websites, fulfilling transactions via thousands of retail and bank locations globally [4].