Western Union Q4 2025 Earnings Call Insights
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 hour ago
0mins
Should l Buy WU?
Source: seekingalpha
- Digital Transformation Progress: CEO Devin McGranahan emphasized the company's shift towards a digital-first retail consumer services model, anticipating improvements in core retail remittance business as migration patterns normalize, which will enhance revenue and market share.
- Strong Financial Performance: The company reported GAAP revenue of $4.1 billion for the full year, with adjusted EPS of $0.45 in Q4, up from $0.40 a year ago, indicating robust performance in the Consumer Services segment.
- Strengthened Partnerships: Western Union secured exclusive partnerships with Deutsche Post, Canada Post, and Vallarta Markets, which are expected to generate at least $100 million in retail revenue annually, further solidifying its market position.
- Optimistic Future Outlook: The company projects adjusted revenue growth of 6% to 9% for 2026, with plans to achieve nearly $150 million in revenue from the Travel Money business, reflecting confidence in future growth prospects.
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Analyst Views on WU
Wall Street analysts forecast WU stock price to fall
11 Analyst Rating
0 Buy
7 Hold
4 Sell
Moderate Sell
Current: 9.440
Low
7.00
Averages
9.00
High
10.00
Current: 9.440
Low
7.00
Averages
9.00
High
10.00
About WU
The Western Union Company is a provider of cross-border, cross-currency money movement, payments, and digital financial services, empowering consumers, businesses, financial institutions, and governments. Its segments include Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers, which are primarily sent from its retail agent and owned locations worldwide or through Websites and mobile devices. Its money transfer service is provided through one interconnected global network. This service is available for international cross-border transfers and, in certain countries, intra-country transfers. The Consumer Services segment includes the Company’s bill payment services, money order services, retail foreign exchange services, media network, prepaid cards, lending partnerships, and digital wallets. The Company provides its services primarily through a network of agent locations in more than 200 countries and territories.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
WESTERN UNION REPORTS Q4 EARNINGS PER SHARE OF USD 0.36
- Earnings Report: Western Union reported a Q4 EPS of $0.36, indicating a stable financial performance.
- Market Response: The stock's performance and investor reactions to the earnings report are yet to be analyzed.
See More
WESTERN UNION Q4 REVENUE REACHES $1 BILLION, BELOW IBES ESTIMATE OF $1.045 BILLION
Western Union Q4 Revenue: Western Union reported a revenue of USD 1,000 million for the fourth quarter.
IBES Estimate Comparison: This figure is lower than the IBES estimate, which projected revenue at USD 1,045 million.
See More
Western Union Set to Release Q4 Earnings on February 20
- Earnings Announcement: Western Union is set to announce its Q4 earnings on February 20 before market open, with consensus EPS estimate at $0.43, reflecting a 7.5% year-over-year increase, while revenue is projected at $1.04 billion, indicating a 5.5% year-over-year decline.
- Historical Performance: Over the past two years, Western Union has beaten EPS estimates 63% of the time and revenue estimates 75% of the time, demonstrating a relatively stable financial performance amidst market fluctuations.
- Expectation Adjustments: In the last three months, EPS estimates have seen two upward revisions and five downward revisions, while revenue estimates have experienced one upward revision and six downward revisions, indicating a cautious market outlook on the company's future performance.
- Market Risk Analysis: Despite facing significant risks from immigration policies, Western Union's earnings multiple remains at 5x, showcasing its resilience and potential investment appeal in the current economic environment.
See More
Western Union Q4 2025 Earnings Call Insights
- Digital Transformation Progress: CEO Devin McGranahan emphasized the company's shift towards a digital-first retail consumer services model, anticipating improvements in core retail remittance business as migration patterns normalize, which will enhance revenue and market share.
- Strong Financial Performance: The company reported GAAP revenue of $4.1 billion for the full year, with adjusted EPS of $0.45 in Q4, up from $0.40 a year ago, indicating robust performance in the Consumer Services segment.
- Strengthened Partnerships: Western Union secured exclusive partnerships with Deutsche Post, Canada Post, and Vallarta Markets, which are expected to generate at least $100 million in retail revenue annually, further solidifying its market position.
- Optimistic Future Outlook: The company projects adjusted revenue growth of 6% to 9% for 2026, with plans to achieve nearly $150 million in revenue from the Travel Money business, reflecting confidence in future growth prospects.
See More
Western Union Q4 Earnings Beat Expectations Despite Revenue Decline
- Earnings Beat: Western Union reported adjusted earnings per share of $0.45 for Q4, surpassing the analyst consensus of $0.43, indicating resilience in profitability despite challenges.
- Revenue Decline: The company posted quarterly sales of $1.008 billion, down 5% year-over-year, missing the Street's expectation of $1.045 billion, reflecting pressures from a slowdown in the Americas retail business.
- Growth Highlights: Consumer Services revenue grew 15% year-over-year and 26% on an adjusted basis, driven by the expansion of the Travel Money business, while Branded Digital revenue increased by 7%, showcasing the company's progress in digital transformation.
- Cautious Outlook: Western Union anticipates fiscal 2026 GAAP EPS between $1.50 and $1.60, below the market estimate of $1.75, while projecting adjusted EPS of $1.75 to $1.85, slightly above the analyst estimate of $1.78, reflecting a cautious stance on future growth.
See More
Western Union Q4 Results Miss Expectations
- Revenue Shortfall: Western Union's Q4 revenue of $1.01 billion fell short of the $1.04 billion consensus, decreasing from $1.03 billion in the previous quarter and $1.06 billion year-over-year, indicating challenges in a competitive market environment.
- Adjusted EPS Fluctuation: The adjusted EPS for Q4 was $0.45, beating the analyst estimate of $0.43, yet down from $0.47 in Q3, reflecting volatility in profitability that may impact investor confidence.
- 2026 Guidance: The company projects 2026 adjusted EPS between $1.75 and $1.85, with a midpoint of $1.80 aligning closely with the $1.79 consensus, but the overall revenue growth forecast of 5%-8% introduces uncertainty about future growth prospects.
- Consumer Services Growth: Consumer services revenue reached $136.9 million, a 15% year-over-year increase, driven primarily by the expansion of the Travel Money business and higher revenues from bill payment services, indicating progress in the company's digital transformation efforts.
See More
WESTERN UNION REPORTS Q4 EARNINGS PER SHARE OF USD 0.36
- Earnings Report: Western Union reported a Q4 EPS of $0.36, indicating a stable financial performance.
- Market Response: The stock's performance and investor reactions to the earnings report are yet to be analyzed.
See More
WESTERN UNION Q4 REVENUE REACHES $1 BILLION, BELOW IBES ESTIMATE OF $1.045 BILLION
Western Union Q4 Revenue: Western Union reported a revenue of USD 1,000 million for the fourth quarter.
IBES Estimate Comparison: This figure is lower than the IBES estimate, which projected revenue at USD 1,045 million.
See More
Western Union Set to Release Q4 Earnings on February 20
- Earnings Announcement: Western Union is set to announce its Q4 earnings on February 20 before market open, with consensus EPS estimate at $0.43, reflecting a 7.5% year-over-year increase, while revenue is projected at $1.04 billion, indicating a 5.5% year-over-year decline.
- Historical Performance: Over the past two years, Western Union has beaten EPS estimates 63% of the time and revenue estimates 75% of the time, demonstrating a relatively stable financial performance amidst market fluctuations.
- Expectation Adjustments: In the last three months, EPS estimates have seen two upward revisions and five downward revisions, while revenue estimates have experienced one upward revision and six downward revisions, indicating a cautious market outlook on the company's future performance.
- Market Risk Analysis: Despite facing significant risks from immigration policies, Western Union's earnings multiple remains at 5x, showcasing its resilience and potential investment appeal in the current economic environment.
See More
Western Union Q4 2025 Earnings Call Insights
- Digital Transformation Progress: CEO Devin McGranahan emphasized the company's shift towards a digital-first retail consumer services model, anticipating improvements in core retail remittance business as migration patterns normalize, which will enhance revenue and market share.
- Strong Financial Performance: The company reported GAAP revenue of $4.1 billion for the full year, with adjusted EPS of $0.45 in Q4, up from $0.40 a year ago, indicating robust performance in the Consumer Services segment.
- Strengthened Partnerships: Western Union secured exclusive partnerships with Deutsche Post, Canada Post, and Vallarta Markets, which are expected to generate at least $100 million in retail revenue annually, further solidifying its market position.
- Optimistic Future Outlook: The company projects adjusted revenue growth of 6% to 9% for 2026, with plans to achieve nearly $150 million in revenue from the Travel Money business, reflecting confidence in future growth prospects.
See More
Western Union Q4 Earnings Beat Expectations Despite Revenue Decline
- Earnings Beat: Western Union reported adjusted earnings per share of $0.45 for Q4, surpassing the analyst consensus of $0.43, indicating resilience in profitability despite challenges.
- Revenue Decline: The company posted quarterly sales of $1.008 billion, down 5% year-over-year, missing the Street's expectation of $1.045 billion, reflecting pressures from a slowdown in the Americas retail business.
- Growth Highlights: Consumer Services revenue grew 15% year-over-year and 26% on an adjusted basis, driven by the expansion of the Travel Money business, while Branded Digital revenue increased by 7%, showcasing the company's progress in digital transformation.
- Cautious Outlook: Western Union anticipates fiscal 2026 GAAP EPS between $1.50 and $1.60, below the market estimate of $1.75, while projecting adjusted EPS of $1.75 to $1.85, slightly above the analyst estimate of $1.78, reflecting a cautious stance on future growth.
See More
Western Union Q4 Results Miss Expectations
- Revenue Shortfall: Western Union's Q4 revenue of $1.01 billion fell short of the $1.04 billion consensus, decreasing from $1.03 billion in the previous quarter and $1.06 billion year-over-year, indicating challenges in a competitive market environment.
- Adjusted EPS Fluctuation: The adjusted EPS for Q4 was $0.45, beating the analyst estimate of $0.43, yet down from $0.47 in Q3, reflecting volatility in profitability that may impact investor confidence.
- 2026 Guidance: The company projects 2026 adjusted EPS between $1.75 and $1.85, with a midpoint of $1.80 aligning closely with the $1.79 consensus, but the overall revenue growth forecast of 5%-8% introduces uncertainty about future growth prospects.
- Consumer Services Growth: Consumer services revenue reached $136.9 million, a 15% year-over-year increase, driven primarily by the expansion of the Travel Money business and higher revenues from bill payment services, indicating progress in the company's digital transformation efforts.
See More
