Western Union faces persistent structural decline in its core money transfer business, with 2025 revenues down 4% YoY and ongoing headwinds from U.S. immigration policies. Digital and consumer services units show growth—branded digital up 6% and consumer services up 32% YoY—but these segments remain too small to offset core declines. The Intermex acquisition will add $650 million in annual revenue and $30 million in cost synergies, but increases leverage to 2.1x and raises capital allocation concerns.

The Western Union Company maintains an attractive high yield and demonstrates resilience despite Q4 revenue softness and a challenging macro environment. Adjusted EPS outperformed expectations, and 2026 guidance signals stronger revenue growth, driven by the Intermex acquisition. Digital-first strategy, including digital wallets and stablecoin initiatives, positions WU for long-term relevance and higher-value customer migration.

The Western Union Company (WU) Q4 2025 Earnings Call Transcript

WU's Q4 EPS tops estimates on lower costs, as digital growth helps offset revenue declines in key segments.

Western Union posted fourth‑quarter earnings of 45 cents per share, topping analyst estimates of 43 cents and improving 12.5% from 40 cents a year ago. However, revenue came in at $1.008 billion, missing the $1.045 billion consensus and falling 4.73% year‑over‑year.

While the top- and bottom-line numbers for Western Union (WU) give a sense of how the business performed in the quarter ended December 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Western Union (WU) came out with quarterly earnings of $0.45 per share, beating the Zacks Consensus Estimate of $0.43 per share. This compares to earnings of $0.4 per share a year ago.

Western Union (NYSE: WU) reported fourth-quarter 2025 earnings Friday morning that beat analyst expectations with adjusted EPS of $0.45 versus the $0.43 consensus estimate.

DENVER--(BUSINESS WIRE)--The Western Union Company (the “Company” or “Western Union”) (NYSE: WU) today reported fourth quarter and full year 2025 financial results. The Company's fourth-quarter revenue of $1.0 billion decreased 5% on both a reported and an adjusted basis. The change in revenue was largely driven by growth in our Consumer Services and Branded Digital businesses offset by a slowdown in the Americas retail business. Fourth quarter GAAP EPS was $0.36, down from $1.13 in the prior y.

Western Union is a large money transfer company with a huge 9.7% dividend yield. The company's business hasn't been performing well lately.