The Western Union Company

NYSE•WU

CEO: Mr. Devin B. McGranahan

Sector: Financial Services

Industry: Financial - Credit Services

Listing Date: 2006-10-02

The Western Union Company provides money movement and payment services worldwide. The company operates through Consumer Money Transfer and Consumer Services segments. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agent locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, which facilitate payments for consumers, businesses, and other organizations, as well as money order services, retail foreign exchange services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.

Contact Information

7001 East Belleview Avenue, Denver, CO, 80237, United States

866-405-5012

www.westernunion.com

Market Cap

$2.85B

P/E (TTM)

6.5

29.2

Dividend Yield

10.3%

52W High

$10.35

52W Low

$7.85

52W Range

50%

Rank24Top 10.8%

5.7

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 5.7 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q1 2026 Data

Revenue

$982.70M+0.00%

4-Quarter Trend

EPS

$0.21+0.00%

4-Quarter Trend

FCF

$62.20M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Operating Income Increased Modestly Operating income reached $757.3M, showing 4% growth despite 4% GAAP revenue decline to $4.05B USD.

Consumer Services Revenue Surges Consumer Services revenue grew 32% to $543.3M USD, driven by travel money services and Argentina bill payments.

Intermex Acquisition Announced Agreement signed August 2025 to acquire International Money Express for ~$500M cash, closing expected Q2 2026.

Risk Factors

Net Income Fell Sharply Net income dropped 47% to $499.6M USD in 2025, impacted by significant tax benefits recognized in prior year.

Consumer Money Transfer Declines CMT segment revenue fell 8% to $3.51B USD, affected by NA/LACA transaction declines and Iraq market exit.

Regulatory and Litigation Exposure Business faces ongoing strict legal requirements globally regarding AML, data privacy, and potential litigation costs.

Foreign Currency Volatility Risk 10% USD fluctuation impacts net income by approximately $40M USD, mitigated partially by hedging activities.

Outlook

Launching Digital Asset Network Strategy emphasizes technology innovation, including planned launch of USDPT stablecoin during first half of 2026.

Cost Efficiency Program Underway Incremental cost efficiency program announced November 2025 aims to generate savings via technology and operational rationalization.

Integrating Intermex Operations Intermex acquisition strengthens omnichannel transfer focus, primarily targeting high-growth United States to Latin America corridors.

Peer Comparison

Revenue (TTM)

NMIH

$184.01B

+27447.6%

$6.51B

+9.6%

BHF

$6.37B

+45.9%

Gross Margin (Latest Quarter)

ENVA

99.0%

+13.7pp

AGM

96.9%

+1.8pp

TBBK

83.3%

+0.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
SF	$12.20B	9.2	15.4%	0.0%
ZION	$9.33B	9.7	13.8%	2.7%
WAL	$8.96B	9.2	13.2%	6.3%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-1.4%

Flat Growth

4Q Net Income CAGR

-19.1%

Declining Profitability

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Jul 27, 2026

EPS:$0.44

Revenue:$1.06B

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data