The earnings call presented a mixed view with notable growth in specific areas such as the Travel Money business and digital transactions, yet faced significant challenges including a decline in overall revenue, transactional activity, and challenges due to regulatory changes and geopolitical factors, particularly in North America.

Company Guidance

During the Western Union Second Quarter 2025 Financial Results Conference Call, CEO Devin McGranahan and CFO Matthew Cagwin provided detailed guidance and insights into the company's performance and strategic outlook. The call revealed a slight decline in adjusted revenue, down 1% year-over-year to $1.026 billion, with consumer money transfer transactions declining 3% and cross-border principal growth increasing by mid-single digits on a constant currency basis. The company reported significant growth in its branded digital business, achieving a 9% increase in transactions and a 6% rise in adjusted revenue. Moreover, the Consumer Services segment saw a robust 40% growth in adjusted revenue, primarily driven by the acquisition of Eurochange and the expanding Travel Money business, which is expected to approach $100 million in revenue this year. Despite geopolitical headwinds affecting the retail business in the Americas, the European retail sector performed well with mid-single-digit growth. The company also highlighted the impact of recent U.S. immigration enforcement on transaction volumes and the anticipated effects of a new 1% remittance tax, which is expected to influence cash-based transactions starting in 2026. Additionally, Western Union is exploring opportunities in stablecoins and AI to enhance operational efficiency and customer experience. For the full year 2025, adjusted revenue is guided to be between $4.035 billion and $4.135 billion, with operating margins between 19% and 21%, and adjusted EPS projected to range from $1.65 to $1.75.

Travel Money Business Growth

The Travel Money business is expected to reach $100 million in revenue this year, showing significant growth from nearly nothing a few years ago.

Consumer Services Revenue Increase

Consumer Services adjusted revenue growth was up 40% in the quarter, driven by the acquisition of Eurochange and strong European travel.

Branded Digital Business Growth

The branded digital business increased transactions by 9% and adjusted revenue by 6% in the quarter.

Operational Efficiency Achievements

Year-to-date, $40 million was saved, bringing cumulative savings to over $150 million, completing the program announced at the 2022 Investor Day, 2 years ahead of schedule.

AI Integration Success

AI-powered customer service has reduced handle times by over 50% and increased call sampling for QA to over 90%, showing significant improvements in customer service efficiency.

Western Union (WU) Earnings, Revenues Date & History

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WU Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 04, 2025	2025 (Q3)	0.43 / -	0.46	―	―	―
Jul 28, 2025	2025 (Q2)	0.44 / 0.42	0.44	-4.55% (-0.02)
Apr 23, 2025	2025 (Q1)	0.41 / 0.41	0.45	-8.89% (-0.04)
Feb 04, 2025	2024 (Q4)	0.42 / 0.40	0.37	8.11% (+0.03)
Oct 23, 2024	2024 (Q3)	0.44 / 0.46	0.43	6.98% (+0.03)
Jul 30, 2024	2024 (Q2)	0.45 / 0.44	0.51	-13.73% (-0.07)
Apr 24, 2024	2024 (Q1)	0.41 / 0.45	0.43	4.65% (+0.02)
Feb 06, 2024	2023 (Q4)	0.37 / 0.37	0.32	15.62% (+0.05)
Oct 25, 2023	2023 (Q3)	0.39 / 0.43	0.42	2.38% (+0.01)
Jul 26, 2023	2023 (Q2)	0.39 / 0.51	0.51	0.00% (0.00)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

WU Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 28, 2025	$8.44	$8.09	-4.15%
Apr 23, 2025	$9.83	$9.90	+0.71%
Feb 04, 2025	$9.88	$10.47	+5.97%
Oct 23, 2024	$10.75	$10.38	-3.44%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.