📈 Price History

Ratio Health

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— Good

— Average

— Poor

By Category

📊 Peer Medians

About

The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents and owned locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, money order and media network services, travel money services, check acceptance services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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📊 Quick Scorecard

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⭐ Superinvestors Holding WU

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Manager	Shares	Value	% of Fund	Period
Steve Cohen Point72 Asset Management	1.25M	$10.9M	0.01%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Mixed → Stable 4 quarters analysed

Q2 2025

Mixed

Management acknowledges difficult macro backdrop and headwinds from immigration enforcement and remittance tax, but repeatedly expresses optimism about long-term strategy, digital growth, and new opportunities (stablecoin, AI). Language is measured and factual, not overly defensive or evasive.

Q3 2025

Cautious

Management described a 'solid quarter against a difficult macro backdrop' and noted it is 'too early to say that we have reached the bottom' in North America, while expressing optimism about the longer-term outlook and the benefits of transformation.

Q4 2025

Cautious

The CFO explicitly stated 'adjusted revenue came in below our outlook' and the CEO said 'it may be too early to say that we have reached bottom', reflecting caution despite some positive notes on Consumer Services and agent wins.

Q1 2026 latest

Mixed

Management highlights stabilization and optimism (e.g., 'the worst is behind us,' 'emerging stabilization'), but also acknowledges EPS below expectations and margin pressures, using language like 'below our expectations' and 'dislocated' to explain shortfalls.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis is slightly stronger after this call due to clearer signs of stabilization in the core U.S.-to-Latin America remittance business and tangible progress on digital assets (USDPT going live, DAN launching next week, Stable Card later this year). However, the Q1 EPS miss and margin compression from timing issues (vendor incentives, FX loss, travel seasonality) introduce near-term uncertainty. Management's reaffirmation of full-year guidance (6-9% revenue growth, EPS $1.75-$1.85) implies confidence in H2 acceleration. Key watch items: Intermex closure and synergy realization, proof of stablecoin adoption and revenue contribution, and sustained improvement in Americas retail volumes.

AI-generated concall tone analysis · Updated 2026-06-09 · Not investment advice

🎙 Management Tone Mixed → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED Western Union Q1 2026 revenue $1B, EPS $0.25; USDPT stablecoin launch imminent.

Revenue & Profitability

Q1 2026 GAAP revenue $983 million; adjusted revenue declined 1% YoY. Adjusted EPS was $0.25, down from $0.41 in the prior year, driven by lower operating profit and a higher tax rate. Adjusted operating margin was 13%. For full-year 2026, management reaffirmed adjusted revenue growth of 6%-9% (including Intermex) and adjusted EPS of $1.75-$1.85.

Outlook

Management sees stabilization in the U.S.-Mexico remittance corridor, with March revenue growth rates improving 800+ basis points from mid-2025 lows. However, headwinds persist from U.S. immigration policy uncertainty, weaker corridors like U.S.-Colombia, and mixed impacts from the Middle East conflict (reduced travel to Dubai, but increased outbound remittances). Overall, the company expects Q1 to be the lowest growth quarter of 2026, with sequential improvement through the year.

Growth Drivers

Key growth levers include new retail agent wins (Kroger, Deutsche Post, Canada Post) expected to add ~$100 million in annual revenue; expansion of Branded Digital in the Middle East; Consumer Services growth (Travel Money expected to reach ~$150 million revenue in 2026); and upcoming digital asset ecosystem (USDPT, DAN, Stable Card). The Intermex acquisition will strengthen U.S. retail density and add ~10,000 agent locations.

Balance Sheet & CapEx

Q1 2026 CapEx was $47 million, up YoY due to higher agent signing bonuses. Management continues to invest in strategic areas including agent network expansion, digital wallets (Australia, Philippines), digital asset infrastructure (USDPT, DAN, Stable Card), and AI-driven process automation. The company has a $150 million operating efficiency program targeting full run-rate by 2028, with large contributions expected in 2026 and 2027.

Margins

Q1 adjusted operating margin was 13%, pressured by lack of vendor incentive payments, higher costs from new agent signings, foreign currency losses, and seasonal fixed cost coverage from the Travel Money business. Management expects many of these headwinds to reverse or not repeat in future quarters, with margin improvement driven by accelerating cost efficiency programs, Intermex synergies, and AI-related labor savings. Full-year margin trajectory supports reaffirmed EPS guidance.

Key Risks

Key risks flagged include U.S. immigration policy uncertainty affecting remittance volumes, macroeconomic headwinds in the Americas, Middle East conflict disrupting travel and remittance patterns, and execution risk in simultaneously launching multiple digital asset products while integrating acquisitions. Management noted that U.S.-Colombia corridor remains weak, and a prolonged Middle East conflict could reduce outbound remittance volume over time.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-30

Second quarter revenue declined 1% year-over-year to $1B, with profitability pressured by a shift to digital payouts, higher agent commissions, and retail weakness in the Americas. The company is accelerating cost cuts and digital initiatives, guiding for 4%-6% revenue growth and $1.25–$1.35 adjusted EPS for 2026, supported by the Intermex acquisition and new digital asset products.

Q1 2026 Q1 2026 2026-04-24

Q1 2026 saw revenue stabilize with a 1% adjusted decline and positive transaction growth in Consumer Money Transfer. Branded Digital and Consumer Services segments delivered strong gains, while new acquisitions and digital asset launches are set to drive growth. Guidance for 2026 is reaffirmed, with EPS expected to accelerate in the second half.

Q4 2025 Q4 2025 2026-02-20

Q4 2025 saw a 5% revenue decline year-over-year, but Consumer Services and Branded Digital segments delivered strong growth. 2026 guidance projects 6%-9% revenue growth, with Intermex expected to close in Q2 and contribute to EPS accretion.

Q3 2025 Q3 2025 2025-10-23

Q3 2025 saw solid results with strong digital and consumer services growth, offset by North American weakness. Guidance for 2025 is reaffirmed, with digital transformation and new products driving future growth. Intermex and eurochange acquisitions are key to segment expansion.

Q2 2025 Q2 2025 2025-07-28

Q2 adjusted revenue declined 1% year-over-year (ex-Iraq) to $1.026B, with digital and consumer services segments showing strong growth despite headwinds in the Americas. Updated 2025 guidance projects $4.035–$4.135B in revenue and $1.65–$1.75 EPS.

📊 Analysis Methodology

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