)
Edge6 Mar 2026
Upvoted: The Story of Reddit
How Reddit built a unique platform around communities and conversation, turning human insight and intent into a distinctive business model.
The Western Union Company
The Western Union Company (WU) investor relations material
The Western Union Company Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Feb, 2026
Executive summary
Q4 2025 revenue was $1.01 billion, down 5% year-over-year on an adjusted basis, with Consumer Money Transfer transactions down 2.5% and cross-border principal growth up on a constant currency basis.
Consumer Services and Branded Digital segments delivered strong growth, offsetting continued weakness in the Americas retail business, especially U.S. to Mexico.
Adjusted EPS for Q4 was $0.45, up from $0.40 a year ago; full-year adjusted EPS reached $1.75, at the top end of guidance.
Strategic focus on digital transformation, expanding wallet offerings, and exclusive agent partnerships to drive future growth.
Over $500 million was returned to shareholders via dividends and share buybacks in 2025.
Financial highlights
Full-year GAAP revenue was $4.1 billion; adjusted revenue declined 5% year-over-year, excluding Iraq.
Adjusted operating margin for 2025 was 20%, up from 19% prior year; Q4 margin was 20% versus 17% last year.
Adjusted EPS for the year was $1.75, benefiting from cost discipline and share repurchases, partially offset by higher interest expense.
Generated $544 million in operating cash flow, with CapEx of $151 million, up 15% year-over-year.
Adjusted free cash flow for 2025 was $640 million, with a conversion rate of 111%.
Outlook and guidance
2026 adjusted revenue expected to grow 6%-9%, inclusive of Intermex acquisition, with adjusted EPS guidance of $1.75-$1.85.
2026 GAAP revenue growth expected between 5% and 8%; GAAP EPS guidance: $1.50 to $1.60.
EPS expected to accelerate through the year, driven by seasonality in travel money and operational efficiency gains.
Outlook assumes Intermex acquisition closes in Q2 2026.
Effective tax rate expected at 20%-22% GAAP, 13%-15% adjusted.
How does Intermex acquisition support 2026 outlook?
What actions address Americas retail business slowdown?
What sustains Consumer Services segment growth?
Expected revenue from new agent partnerships
USDPT stable card launch: target & value proposition
Customer acquisition: competitive environment & plans?
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Next The Western Union Company earnings date
Wolfe FinTech Forum10 Mar, 2026
The Western Union Company
Next The Western Union Company earnings date
Wolfe FinTech Forum10 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
The Western Union Company is a leading international provider of consumer-to-consumer and business-to-consumer money movement products and services. The company also offers payment services to individuals, businesses, non-profits, governments, and more. The company was founded in 1851 and is headquartered in Denver, Colorado.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage