Western Union CO SEC 10-K Report
Western Union (WU) has released its annual 10-K report, detailing a 4% revenue decrease to $4,050.7 million, a 47% net income decrease to $499.6 million, but a 4% operating income increase. The company is strategically focused on digital expansion, including a new digital wallet, the USDPT stablecoin, and the acquisition of Intermex for approximately $500 million. WU faces challenges from an evolving global economy, intense competition, and complex regulatory environments, while managing market and operational risks.
Western Union Co Stock Moves Lower After Q4 2025 Results
Western Union Co (NYSE: WU) shares declined by 5.6% after reporting its fourth-quarter and full-year 2025 financial results. The company saw a 5% decrease in Q4 GAAP revenue and a 4% decline for the full year, although adjusted EPS for Q4 increased and full-year adjusted EPS remained flat. Western Union also announced the acquisition of International Money Express, Inc. and declared a quarterly dividend.
Western Union: Q4 Earnings Snapshot
Western Union Co. reported fourth-quarter earnings of $114.4 million, or 36 cents per share, which adjusted to 45 cents per share and surpassed analyst expectations of 43 cents. However, the money transfer company missed revenue forecasts, posting $1.01 billion against an expected $1.04 billion. For the full year, Western Union reported a profit of $499.6 million on $4.05 billion in revenue and provided a full-year earnings forecast between $1.75 to $1.85 per share.
Western Union's Q4 Earnings Beat Estimates on Lower Costs
Western Union (WU) reported stronger-than-expected adjusted earnings per share of 45 cents in Q4 2025, surpassing analyst estimates by 4.3% due to lower expenses. Despite a 5% revenue decrease to $1 billion, the company's adjusted operating margin improved by 300 basis points. The Consumer Money Transfer segment saw a revenue dip, but the Branded Digital business experienced significant transaction growth.
Western Union Stock Drops Amid Q4 Results
Western Union (NYSE: WU) shares dropped after the company announced fourth-quarter earnings that beat analyst estimates but revenue that missed expectations. Despite some segment growth, core Consumer Money Transfer (CMT) revenue declined significantly, leading to a full-year revenue decrease. Analyst ratings are mixed, reflecting uncertainty about the company's future market performance.
The Digital Transformation of a Legacy Giant: A Deep Dive into Western Union (NYSE: WU)
Western Union (NYSE: WU) has successfully transformed from a traditional money transfer company into a diversified digital banking ecosystem, leveraging its physical network with modern fintech solutions. Following its "Evolve 2025" strategy and launching "Beyond 2028," the company has diversified its business model, including its WU+ digital wallet and a stablecoin on the Solana blockchain. Despite facing competitive pressures and risks, analysts are cautiously optimistic about its future, noting its strong dividend yield and strategic acquisitions like Intermex.
Does Western Union’s Earnings Beat Mean Its Transition Is Working?
Western Union (WU) reported Q4 2025 earnings that beat analyst expectations for EPS but saw its core Consumer Money Transfer business decline. The company is attempting a digital transformation through initiatives like a USD stablecoin and a Digital Asset Network, while also acquiring Intermex, which consolidates its physical retail footprint. Despite a tempting 9.9% dividend yield, the sustainability of the dividend is questioned due to declining operating cash flow and a high payout ratio, reflecting market skepticism about the success of its transition.
The Western Union Company Q4 2025 Earnings Call Summary
Western Union's Q4 2025 performance was driven by a 26% surge in Consumer Services, despite a 9% decline in adjusted Consumer Money Transfer revenue. The company is strategically shifting to a 'retail-enabled consumer services company' by leveraging digital partnerships and launching new products like the Vigo Money Wallet and USD Payment Token. Future growth is expected from the Intermex acquisition, an expanded travel money business, and a global migration to their 'Beyond' technology platform by 2027.
Western Union (NYSE:WU) Misses Q4 CY2025 Sales Expectations
Western Union (NYSE:WU) reported Q4 CY2025 results, missing Wall Street's revenue expectations with a 3.1% year-on-year sales decline to $1.01 billion, though its non-GAAP profit per share beat estimates. The company's revenue growth has been weak over the last five years, indicating poor business quality. Despite beating EPS estimates and providing slightly exceeding full-year EPS guidance, the revenue miss led to a 2.6% stock dip.
Western Union registers Q4 2025 revenue of $1bn, down 5% Y/Y
The Western Union Company reported fourth-quarter 2025 revenue of $1.0 billion, a 5% decrease year-over-year on both a reported and adjusted basis. This decline was primarily due to a slowdown in the Americas retail business, despite growth in Consumer Services and Branded Digital segments. Adjusted EPS increased to $0.45 from $0.40 in the prior year, benefiting from higher operating profit and fewer shares outstanding.
Western Union (WU) Q4 Earnings: What To Expect
Western Union (WU) is set to report its Q4 earnings on Friday morning, with analysts expecting flat year-on-year revenue of $1.04 billion and adjusted earnings of $0.43 per share. The company met revenue expectations last quarter, and its stock has seen a 5.1% increase over the last month despite general underperformance in the diversified financial services segment. Investors will be watching closely to see if WU can meet or beat these expectations, especially given its history of missing Wall Street's revenue estimates three times in the past two years.
Can Western Union Beat Q4 Earnings on Consumer Services Strength?
Western Union is expected to report its fourth-quarter 2025 results on Feb. 20, 2026, with an Earnings ESP of +1.51% and a Zacks Rank #3 suggesting a likely earnings beat. While Consumer Money Transfer revenues are projected to decline, strong growth in Consumer Services revenues (estimated at 23.6% year-over-year) and reduced operating expenses are expected to drive bottom-line growth. This outlook contrasts with mixed performances from peers like PayPal and American Express in their recent Q4 reports.
Western Union (WU) Valuation Check As Shares Trade Near Modelled Fair Value
Western Union (WU) shares are trading near their modeled fair value of US$9.75, according to Simply Wall St. The company's valuation is driven by its digital transformation efforts and potential for improved revenue growth and margins, despite facing challenges from stricter regulations and digital-first competitors. Investors are encouraged to review the full narrative and consider risks and rewards before making investment decisions.
Western Union (WU) Reports Next Week: Wall Street Expects Earnings Growth
Western Union (WU) is anticipated to report an increase in earnings next week for the quarter ending December 2025, despite lower expected revenues. The Zacks Earnings ESP indicates a potential earnings beat, with a Most Accurate Estimate suggesting analysts are becoming more bullish on the company's prospects. Investors are advised to consider the Zacks Rank and Earnings ESP for predicting stock movement.
Is It Time To Reconsider Western Union (WU) After Recent Share Price Rebound?
Western Union (WU) has experienced a recent rebound in its share price. This article analyzes the company's valuation using the Excess Returns model and Price vs. Earnings ratio, concluding that Western Union currently appears undervalued. It also presents bull and bear case narratives from investors outlining different perspectives on the company's future value based on various assumptions.
Western Union (WU) Reports Next Week: Wall Street Expects Earnings Growth
Western Union (WU) is anticipated to announce a year-over-year increase in earnings despite lower revenues for the quarter ending December 2025. Analysts expect $0.43 EPS (+7.5% year-over-year) and $1.04 billion in revenue (-2.1% year-over-year). With a Zacks Earnings ESP of +1.51% and a Zacks Rank #3, Western Union is predicted to likely beat consensus EPS estimates.
Thrivent Financial for Lutherans Sells 259,721 Shares of The Western Union Company $WU
Thrivent Financial for Lutherans has significantly reduced its stake in The Western Union Company (WU) by selling 259,721 shares, representing a 56.5% decrease in its holdings. Following the sale, Thrivent Financial for Lutherans now owns 200,259 shares, valued at approximately $1.6 million. Analyst sentiment for Western Union is largely negative, with an average "Reduce" rating and a consensus price target of $8.82, yet the company offers a high dividend yield of 9.6%.
LSV Asset Management Has $76.78 Million Position in The Western Union Company $WU
LSV Asset Management decreased its stake in The Western Union Company (NYSE:WU) by 3.1% in the third quarter, reducing its holdings to 9,609,077 shares valued at $76.78 million. While institutional ownership remains high at 91.81%, with several firms increasing their positions, Western Union trades with a 9.6% dividend yield but faces a consensus "Reduce" rating and a target price below its current trading price.
The Western Union Company (NYSE:WU) Receives Average Recommendation of "Reduce" from Brokerages
The Western Union Company (NYSE:WU) has received an average recommendation of "Reduce" from fifteen brokerages, with five analysts issuing "sell" ratings and ten assigning "hold" ratings. The average 12-month price target is $8.82, which is below the current share price of approximately $9.79. Despite the "Reduce" rating, institutional investors have significantly increased their holdings in Western Union, with firms like SG Americas and Goldman Sachs adding millions of shares, and institutional ownership stands at 91.8%.
Western Union (WU) Projected to Post Quarterly Earnings on Friday
Western Union (WU) is anticipated to report its Q4 2025 earnings before market open on Friday, February 20th, with analysts forecasting earnings of $0.43 per share and revenue of $1.0422 billion. The stock currently trades around $9.79, characterized by a low valuation, a 9.6% dividend yield, but carries an average "Reduce" rating and an $8.82 target price from analysts. Institutional investors have recently adjusted their holdings in WU, and several research firms have updated their price targets and ratings.
Is Western Union’s (WU) New Hyderabad AI Hub a Turning Point in Its Digital Strategy?
Western Union recently opened a Global Capability Center in Hyderabad, India, in partnership with HCLTech, focusing on AI-led innovation for its payments and digital services. This initiative aims to enhance efficiency, improve digital experiences, and create a scalable payments platform, addressing concerns about the company's mature business model, modest revenue growth, and high debt. While the center could improve investor sentiment through tangible benefits, the immediate focus remains on stabilizing revenue and protecting margins, as well as managing its debt load.
US money transfer giant in the frame at OFX Group
Money transfer company OFX Group is undergoing a strategic review led by Goldman Sachs, and US financial services giant Western Union has expressed interest in the process. OFX initiated the review to explore various organic and inorganic opportunities, including a potential sale, following increased inbound interest.
Why Investors Shouldn't Be Surprised By The Western Union Company's (NYSE:WU) Low P/E
The article explains why The Western Union Company's (NYSE:WU) low Price-to-Earnings (P/E) ratio of 4.2x is not surprising, despite many US companies having higher P/Es. It attributes this low P/E to analyst forecasts predicting an 8.0% annual decrease in earnings over the next three years, contrasting with the broader market's expected 12% annual growth. While past earnings growth has been respectable, the anticipated decline understandably suppresses investor sentiment and the stock's valuation.
Is Western Union (WU) Pricing Reflect Its Earnings Power After Recent Share Price Moves
This article analyzes whether Western Union's current share price of US$9.88 accurately reflects its intrinsic value. Using two valuation methods, Excess Returns Analysis and Price vs. Earnings, Simply Wall St suggests that Western Union (WU) is currently undervalued. The article encourages investors to explore these valuations further and consider the "Narratives" feature to form their own insights into the company's future.
Is Western Union (WU) Pricing Reflect Its Earnings Power After Recent Share Price Moves
This article analyzes Western Union's valuation using two methods: Excess Returns and Price vs. Earnings. Both approaches suggest that Western Union (WU) shares are currently undervalued, with the Excess Returns model indicating a 65.8% undervaluation and the P/E ratio appearing significantly below industry averages and Simply Wall St's Fair Ratio. The article encourages investors to use "Narratives" on their platform to connect personal investment views with financial forecasts and fair value estimates.
Ooredoo adds Western Union transfers to Money app
Ooredoo Fintech has partnered with Western Union to integrate its money transfer services into the Ooredoo Money app in Qatar, with plans for regional expansion. This collaboration provides Ooredoo Money customers with more options for sending and receiving money directly through the mobile platform.
Y Intercept Hong Kong Ltd Has $704,000 Stake in The Western Union Company $WU
Y Intercept Hong Kong Ltd significantly reduced its stake in The Western Union Company (NYSE:WU) by 74.3% in the third quarter, now holding 88,148 shares valued at $704,000. Western Union, with a market cap of $3.03 billion and a P/E of 4.16, offers a high dividend yield of 9.9%. Despite institutional ownership by 91.81% of the company's stock, analysts currently rate WU as "Reduce" with an average target price of $8.82.
Ooredoo Money Integrates Western Union Transfers in Qatar
Ooredoo Money has partnered with Western Union to allow users in Qatar to send and receive money directly through the Ooredoo Money app. This integration aims to streamline international money transfers and expand access to essential financial services. The service is currently live in Qatar, with plans for further regional expansion in markets where Ooredoo Fintech operates.
Does Western Union's New AI Hub In Hyderabad Deepen Its Digital Transformation Story For WU?
Western Union has established a new Global Capability Center in Hyderabad, India, in partnership with HCLTech, to advance its AI-led innovation, platform modernization, and engineering efforts. This strategic move aims to bolster its digital transformation, enhance operational efficiency, and solidify its position in the competitive cross-border payments market. While the center is expected to support earnings stabilization and management's outlook, investors are cautioned to consider the company's existing high debt load and slow revenue growth alongside the potential for AI-driven improvements.
Here's What Analysts Are Saying About The Western Union Company (WU)
Cantor Fitzgerald initiated coverage on The Western Union Company (WU) with an Underweight rating and a $9 price target, citing structural disadvantages in its brick-and-mortar network despite business improvements. Wolfe Research reiterated a Sell rating with a $10 price target, while Keefe Bruyette raised its price target to $10 from $9, maintaining a Market Perform rating. Western Union is scheduled to release its fiscal Q4 and full-year 2025 results on February 20, 2026.
Here’s What Analysts Are Saying About The Western Union Company (WU)
The Western Union Company (NYSE: WU) recently announced its Q4 and full-year 2025 earnings release for February 20, 2026. Prior to this, Cantor Fitzgerald initiated coverage with an Underweight rating and a $9 price target, citing structural disadvantages but also improvements and the need to navigate regulatory headwinds. Wolfe Research reiterated a Sell rating with a $10 target, while Keefe Bruyette lifted its price target to $10 from $9, maintaining a Market Perform rating.
Western Union Stock Fell 70% From Its All-Time Highs, Here’s What It Needs To Recover in 2026
Western Union (WU) stock is down 70% from its all-time highs and 11% over the last 12 months, trading near $9. Despite revenue declines due to digital competition and migration trends, the company shows resilient cash generation and cost discipline with operating margins near 19%. A valuation model projects a potential recovery to $12 by 2027, offering a 31% total upside or 15.2% annualized returns, based on conservative assumptions of flat revenue growth and stable margins.
Western Union Balances Stablecoin Push And Intermex Deal With Low P/E
Western Union (NYSE:WU) plans to launch a USD stablecoin and a new Digital Asset Network, alongside acquiring Intermex, to reshape its global money movement and remittance business. These initiatives aim to balance expanding its physical footprint with new digital capabilities, addressing the shift towards app-based providers and blockchain infrastructure. While the company's shares trade at a significant discount according to Simply Wall St's valuation and a low P/E, projected earnings declines and high debt are important considerations for investors.
Investors Buy Large Volume of Call Options on Western Union (NYSE:WU)
Investors recently purchased a significantly higher volume of call options on Western Union (NYSE:WU), indicating strong bullish sentiment. While the company offers a high dividend yield and has a low P/E ratio, analyst ratings suggest caution with a "Reduce" consensus. Insider buying and substantial institutional ownership also mark the stock's recent activity.
Western Union Balances Stablecoin Push And Intermex Deal With Low P/E
Western Union (NYSE:WU) is embarking on a dual strategy to modernize its business, announcing plans for a USD stablecoin and a Digital Asset Network while also acquiring Intermex to bolster its retail footprint. These moves are aimed at adapting to the evolving landscape of global money movement and remittances, which increasingly favors digital solutions and blockchain technology. The article highlights key considerations for investors, including integration challenges, regulatory responses, and customer adoption, especially given the company's low P/E ratio and forecast of declining earnings.
Western Union, HCLTech expand Global Capability Center to Hyderabad
Western Union and HCLTech have announced the launch of a new Global Capability Center (GCC) in Hyderabad, India, expanding their strategic partnership. This state-of-the-art facility will leverage advanced AI-led innovation and HCLTech’s AI-powered solutions to accelerate Western Union’s transformation, enhance digital consumer experiences, and drive next-generation payments infrastructure. The center will serve as a global hub for technology, engineering, and operations, complementing the existing Pune Tech Center.
Cantor Fitzgerald initiates Western Union stock coverage with Underweight rating
Cantor Fitzgerald initiated coverage on Western Union (NYSE: WU) with an "Underweight" rating and a $9.00 price target, noting the company's structural disadvantages against digital platforms despite management's improvements. The firm highlighted challenges like U.S. immigration reform and regulatory issues, though it recognized growth in Consumer Services and Branded Digital segments. The price target reflects a 4.5x P/E multiple on estimated FY27 EPS, suggesting limited downside given the stock's current low P/E ratio.
Western Union, HCLTech inaugurate GCC in Hyderabad
Western Union has launched its Global Capability Center (GCC) in Hyderabad, India, in collaboration with HCLTech. This new facility aims to accelerate Western Union's transformation through advanced AI-led innovation and a platform operating model. The center will leverage deep engineering expertise and AI capabilities to enhance global payment and consumer experiences.
Western Union partners HCLTech to open AI-led global capability centre in Hyderabad
Western Union has established a new global capability centre (GCC) in Hyderabad, focusing on AI-led innovation and technology, in partnership with HCLTech. This is their second GCC in India, complementing the Pune centre, and together they will serve as a global hub for developing next-generation payment infrastructure and enhancing digital consumer experiences. The Hyderabad GCC is projected to employ around 400 individuals and will leverage HCLTech's AI-powered solutions to accelerate product modernization.
Cantor Fitzgerald initiates Western Union stock coverage with Underweight rating
Cantor Fitzgerald has initiated coverage on Western Union (NYSE:WU) with an Underweight rating and a $9.00 price target, citing structural disadvantages compared to digital-first competitors despite management's efforts to improve the business. The firm noted challenges such as immigration reform and stablecoin sentiment, but acknowledged positive developments in consumer services and digital segments. Despite the Underweight rating, the analysis suggests limited downside at current valuation and highlights potential upside from an Intermex acquisition and M&A activity.
Western Union (WU) Projected to Post Quarterly Earnings on Tuesday
Western Union (NYSE: WU) is expected to announce its Q4 2025 earnings before market open on Tuesday, February 3rd, with analysts forecasting earnings per share of $0.43 and revenue of $1.0422 billion. The company's stock currently trades around $9.52, has a market cap of $3.03 billion, and offers a substantial annual dividend yield of 9.9%. Despite the high yield and low P/E ratio of 4.16, analysts maintain a "Reduce" consensus rating with a target price of $8.82.
Western Union (WU) Initiated at Underweight by Cantor Fitzgerald
Cantor Fitzgerald initiated coverage on Western Union (WU) with an Underweight rating and a $9 price target, citing challenges from digital-first competitors, regulatory changes, and stablecoin sentiment. Despite its global presence and transaction volume, Western Union's traditional business model and high debt-to-equity ratio contribute to a cautious outlook, with an Altman Z-Score indicating potential bankruptcy risk. The company's valuation metrics show a high P/E ratio, and institutional ownership is significant, but analysts generally recommend a hold position.
Reassessing Western Union (WU) After Years Of Share Price Weakness And Excess Returns Potential
This article reassesses Western Union (WU) as potentially undervalued following years of share price weakness. Using an Excess Returns model and Price-to-Earnings analysis, Simply Wall St suggests WU is undervalued by 66.2% and trades significantly below industry average P/E ratios. The analysis encourages investors to explore "Narratives" for a personalized valuation perspective.
Western Union to Release Fourth Quarter and Full Year 2025 Results on February 20, 2026
The Western Union Company announced that CEO Devin McGranahan and CFO Matt Cagwin will host a webcast and conference call on February 20, 2026, at 8:30 a.m. ET, to discuss their fourth quarter and full year 2025 financial results. A press release will precede the call, and both the webcast and its replay will be accessible via Western Union's Investor Relations website.
A Look At Western Union (WU) Valuation As Stablecoin Launch And Digital Services Signal A Possible Turnaround
Western Union (WU) is exploring digital finance with a planned U.S. dollar stablecoin on Solana, which could revitalize the company despite concerns over its legacy business. The stock is currently trading near analyst targets and is deemed slightly undervalued, suggesting potential for growth if its digital transformation is executed effectively. However, risks like increased competition and tighter regulations could impact its future performance.
Western Union stock: Buy, sell, or hold in 2026?
This article explores the investment potential of Western Union (WU) stock in 2026, analyzing whether it is a good buy, sell, or hold. It likely delves into various factors influencing its stock performance, such as market trends, company financials, and future outlook. The piece aims to guide investors in making informed decisions regarding WU shares.
Did Western Union’s Stablecoin Remittance Network Just Shift Western Union's (WU) Investment Narrative?
Western Union (WU) is launching a stablecoin-powered digital network to modernize remittances and compete with digital rivals. While this move aims to improve cost and speed, the article suggests it's more an option for future relevance rather than an immediate growth catalyst, as the company still faces challenges like high debt and defending cash flows in a competitive market. Investors are advised to consider the long-term implications and existing risks, given the varied fair value estimates for WU stock.
Western Union Stock: Buy, Sell, or Hold in 2026?
Western Union (WU) has faced significant challenges from new fintech companies and blockchain networks, leading to a 58% stock price decline over five years and falling revenue. Despite its struggles, the company is attempting a turnaround, particularly with its growing consumer services division and a new U.S. dollar stablecoin on the Solana blockchain. While its dividend yields over 10% and the stock trades at 5 times forward earnings, investors are advised to hold or start with a small position to monitor its progress.
127,464 Shares in The Western Union Company $WU Purchased by QRG Capital Management Inc.
QRG Capital Management Inc. recently acquired 127,464 shares of The Western Union Company (NYSE:WU) in the third quarter, valued at approximately $1.02 million. Other institutional investors like SummerHaven Investment Management, Voya Investment Management, and Rexford Capital also adjusted their holdings in the company. Insider Giovanni Angelini further increased his stake, buying 10,000 additional shares.
Schwartz Investment Counsel Inc. Decreases Stake in The Western Union Company $WU
Schwartz Investment Counsel Inc. reduced its stake in The Western Union Company by 19.6% in the third quarter, selling 250,000 shares. Despite this, institutional ownership remains high at 91.81%, with other major firms like Schroder and Discerene increasing their positions. Analysts have a "Reduce" rating on the stock with a consensus price target of $8.80, while Western Union offers a 10.2% dividend yield and set its FY2025 EPS guidance between $1.65 and $1.75.
