Western Union Company ( (WU) ) has released its Q3 earnings. Here is a breakdown of the information Western Union Company presented to its investors.
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The Western Union Company is a global leader in cross-border, cross-currency money movement and payments, offering digital financial services to consumers, businesses, and governments across more than 200 countries and territories. In its third quarter of 2025, Western Union reported a GAAP revenue of $1.03 billion, which remained flat compared to the same period last year. The company’s branded digital revenue showed a notable increase, growing by 7% on a reported basis, while consumer services revenue surged by 49%. However, the company’s GAAP earnings per share (EPS) decreased to $0.43 from $0.78 in the previous year, although the adjusted EPS rose slightly to $0.47 from $0.46.
Western Union’s financial performance in the third quarter was characterized by a robust growth in its Consumer Services and Branded Digital segments, offset by a decline in its North America retail business. The Consumer Services segment experienced a significant revenue increase, driven by the expansion of the Travel Money business and higher revenues from Argentina’s bill pay business. Meanwhile, the Branded Digital segment saw a 12% increase in transactions, contributing to its revenue growth.
Despite the challenges in the North America retail sector, Western Union’s operating margin improved to 20% from 16% in the previous year, benefiting from cost efficiencies. The company also faced higher interest expenses and a higher tax rate, which impacted its overall earnings. Looking ahead, Western Union remains focused on diversifying its offerings and enhancing its operational efficiency to drive sustainable growth.
Western Union’s management remains optimistic about the company’s future, with expectations for full-year 2025 revenue to range between $4.085 billion and $4.185 billion. The company anticipates maintaining an operating margin between 18% and 20%, with adjusted earnings per share projected to be between $1.65 and $1.75. As Western Union continues to adapt to dynamic market conditions, it aims to leverage its global reach and brand recognition to achieve long-term success.