Transaction Overview - Western Union will acquire International Money Express for $1600 per share in cash[16] - The transaction is expected to close in mid-2026, pending regulatory approvals and closing conditions[18] - The acquisition is expected to yield $30 million in annual run-rate cost synergies within 24 months[16] - The transaction is expected to be immediately EPS-accretive[17] Strategic Benefits - The acquisition increases scale in high-growth LACA geographies through complementary agent networks[17] - It expands and stabilizes Western Union's U S retail footprint, enhancing resilience and improving customer access across the Americas[17] - The combined company is projected to have approximately 70000 send locations[25] - The combined company is projected to have approximately 21 million customers[25] - The combined company is projected to have approximately $2100 million in revenue[25] Financial Impact - The transaction is expected to drive an incremental $010 of Adjusted EPS in the first full year[31] - The acquisition strengthens long-term Free Cash Conversion[35]

Second Quarter 2025 Financial Performance - GAAP revenue reached $103 billion [18], while adjusted revenue, excluding Iraq, experienced a decrease of 1% [47] - GAAP operating margin stood at 19% [18], mirroring the adjusted operating margin [18] - GAAP EPS was $037 [18], with adjusted EPS at $042 [18] Consumer Money Transfer (CMT) Segment - CMT adjusted revenue, excluding Iraq, declined by 6% [55] - CMT transaction growth, excluding Iraq, decreased by 2% [55] - CMT cross-border principal growth (constant currency) ex Iraq increased by 4% [55] - Branded Digital adjusted revenue grew by 6% [55], with transaction growth at 9% [55] Consumer Services Segment - Adjusted revenue increased significantly by 41% [15] - The segment achieved a solid operating margin of 22% [61] Financial Outlook for 2025 - The company anticipates GAAP revenue between $4085 billion and $4185 billion [71] - Adjusted revenue is projected to be in the range of $4035 billion to $4135 billion [72] - GAAP EPS is expected to be $145 to $155 [71], while adjusted EPS is forecasted at $165 to $175 [72]