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Western Union (WU)
NYSE:WU
Earnings Data
Report Date
Apr 29, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.4Last Year’s EPS
0.41Same Quarter Last Year
Moderate Sell
Based on 8 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a mix of durable positive trends (strong consumer services growth, accelerating branded digital transactions, improved margins and cash generation, major retail agent wins, and progress on digital-wallets and digital-asset initiatives) alongside persistent industry headwinds in core retail remittances—especially in The Americas and U.S. to Mexico corridor—near-term policy uncertainty from the U.S. remittance tax, and some pressure from higher interest expense and elevated CapEx. Management delivered solid operational discipline and a constructive 2026 outlook (6%–9% revenue growth inclusive of Intermex and $1.75–$1.85 adjusted EPS) while acknowledging areas that require continued focus (customer acquisition outside the Middle East, retail stabilization, and integration/regulatory work for Intermex).Company Guidance
Revenue and Guidance
Q4 GAAP revenue of $1,000,000,000; full-year GAAP revenue of $4,100,000,000. 2026 adjusted revenue outlook of 6%–9% growth inclusive of Intermex (expected to close in Q2).
Earnings and Margins
Q4 adjusted EPS $0.45 versus $0.40 a year ago. Full-year adjusted EPS $1.75 (top end of guidance). Adjusted operating margin improved to 20% for the year (from 19% prior year) and 20% in Q4 (vs 17% prior-year quarter).
Consumer Services Momentum
Consumer services contributed 14% of total revenue in Q4. Q4 adjusted revenue for consumer services up 26%; full-year consumer services adjusted revenue grew ~30%. Travel money business scaled from near-zero to over $100,000,000 and is expected to approach $150,000,000 in revenue.
Branded Digital Growth
Branded digital transactions increased 13% in Q4 and adjusted revenue increased 6% in Q4. Full year branded digital: adjusted revenue +6% and transactions +12%. Digital now represents over 40% of the principal sent globally.
Operational and Capital Returns
Cost discipline delivered results (top end of earnings guidance despite revenue headwinds). Returned over $500,000,000 to shareholders in 2025 ($305,000,000 dividends, $225,000,000 buybacks). Adjusted free cash flow conversion >100% for the past three years.
Strong Cash Flow and Balance Sheet
Operating cash flow $544,000,000 vs $406,000,000 prior year (included ~$220,000,000 cash taxes). Cash and cash equivalents $1,200,000,000; debt $2,900,000,000; gross leverage ~2.9x, net ~1.6x—positioned for capital returns and M&A.
Agent/Distribution Wins
Won major exclusive/strategic retail relationships: Deutsche Post re-sign, exclusive five-year Canada Post contract (5,600 locations), Vallarta Markets (California), and renewed exclusivity with Kroger. Management expects ~ $100,000,000 incremental annual retail revenue when fully ramped.
Digital Wallet & Prepaid Adoption
Vigo Money Wallet (U.S.) onboarded >30,000 customers with thousands of weekly active users; Brazil wallet ~20,000 onboarded with ~5% of inbound transfers redirected; Argentina wallet ~17% of inbound remittances into wallet. >1,000 agent locations selling prepaid cards; linkage: ~30% of card transactions are WU transfers and ~60% of newly loaded cards used to send WU remittances.
Digital Asset & Payments Innovation
Minted first USD payment token (USDPT) and completed pilot movements between treasury and agents; on track for market offering by mid-year. Partnership initiatives (RAIN & Visa) targeting initial stable-card launches in a dozen+ countries in 2026.
WU Earnings History
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 |
|---|---|---|---|
Feb 20, 2026 | $9.44 | $9.27 | -1.80% |
Oct 23, 2025 | $7.94 | $8.75 | +10.20% |
Jul 28, 2025 | $8.00 | $7.67 | -4.14% |
Apr 23, 2025 | $9.32 | $9.39 | +0.69% |
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.
FAQ
When does Western Union (WU) report earnings?
Western Union (WU) is schdueled to report earning on Apr 29, 2026, After Close (Confirmed).
What is Western Union (WU) earnings time?
Western Union (WU) earnings time is at Apr 29, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is WU EPS forecast?
WU EPS forecast for the fiscal quarter 2026 (Q1) is 0.4.
