Core Viewpoint - Western Union is a significant player in the financial services industry, despite facing competition and operational challenges, particularly in its Americas retail business [1][2][3]. Financial Performance - On February 20, 2026, Western Union reported earnings per share (EPS) of $0.36, which was below the estimated $0.43 and a decline from $1.13 in the previous year [2][6]. - The company generated revenue of approximately $1.01 billion, exceeding the estimated $988 million, but reflecting a 5% decrease on both a reported and adjusted basis [3][6]. Sector Performance - The decline in revenue was primarily attributed to a slowdown in the Americas retail business, although there was growth in the Consumer Services and Branded Digital sectors [3]. Valuation Metrics - Western Union's price-to-earnings (P/E) ratio is approximately 5.78, indicating a relatively low valuation compared to its earnings [4][6]. - The price-to-sales ratio is about 0.71, suggesting that investors are paying 71 cents for every dollar of sales, which may indicate undervaluation [4][6]. Liquidity and Cash Flow - The company has a strong liquidity position with a current ratio of 16.52, demonstrating its ability to meet short-term obligations [5]. - The enterprise value to operating cash flow ratio is approximately 3.06, reflecting the company's ability to generate cash flow relative to its enterprise value [5]. - An earnings yield of approximately 17.29% suggests a potentially attractive return on investment for shareholders [5].

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]

Company Overview - Euronet is a global leader in payments processing and cross-border transactions, providing services such as money transfers, credit/debit processing, ATMs, point-of-sale services, branded payments, and currency exchange [4][5] - The company operates in over 200 countries and territories, facilitating participation in the global economy through its financial technologies and networks [4] Financial Results Announcement - Euronet will release its fourth quarter and full year 2025 earnings results on February 12, 2026, prior to market opening [1] - A conference call to discuss the results will take place on the same day at 9:00 a.m. Eastern Time [1] Conference Call Details - The conference call and accompanying slide show presentation will be accessible via webcast [2] - Participants wishing to join by telephone must register to receive dial-in information, with a recommendation to join five minutes early [2] Global Network and Services - Euronet supports a global real-time digital and cash payments network, including 57,534 installed ATMs and approximately 592,000 EFT point-of-sale terminals [5] - The company manages a growing portfolio of outsourced debit and credit card services in 69 countries and operates a global money transfer network with approximately 638,000 locations serving 199 countries [5]

Core Points - Euronet will release its third quarter 2025 earnings results on October 23, 2025, before market opening [1] - A conference call to discuss the results will take place on the same day at 9 a.m. Eastern Time [1] - Participants can access the conference call via a webcast or by telephone after registering [2] Company Overview - Euronet started in Central Europe in 1994 and has developed a global real-time digital and cash payments network [4] - The company operates 57,326 ATMs and approximately 1.2 million EFT point-of-sale terminals across 69 countries [5] - Euronet's services include money transfers, credit/debit card processing, foreign currency exchange, and more, with a presence in over 200 countries and territories [4][5]