WU

MKT CAP:$3B

The Western Union Company

Market Cap

$3B

Financial Services·Financial - Credit Services·🇺🇸 United States·NYSE

Financials·Financial·🇺🇸·NYSE

Stock Price

$8.90-$0.33 (-3.58%)

Apr 24, 2026

Company Details

The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two co...

CEO

Devin McGranahan

IPO Date

Oct 2, 2006

Website

www.westernunion.com

Key Metrics TTM

Revenue

$4.0B

-2.3% YoY

Net Income

$441M

EPS (Diluted)

$1.36

Free Cash Flow

$331M

Revenue / Share

$12.78

Gross Margin

34.0%

Operating Margin

17.6%

Net Margin

10.9%

FCF Margin

8.2%

P/S

0.7x

P/E

6.4x

Earnings Reports

Q1 2026

Apr 24, 2026

NEW

$983M-0.1%EPS $0.20

FY 2025

Feb 20, 2026

$4.0B-4.0%EPS $1.53

Q4 2025

Feb 20, 2026

$1.0B-4.9%EPS $0.36

Q3 2025

Oct 27, 2025

$1.0B-0.3%EPS $0.43

Q2 2025

Jul 28, 2025

$1.0B-3.8%EPS $0.37

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$1.1B	$485M	$264M
Q3 22	$1.1B	$452M	$232M
Q4 22	$1.1B	$411M	$152M
Q1 23	$1.0B	$407M	$205M
Q2 23	$1.2B	$471M	$243M
Q3 23	$1.1B	$411M	$211M
Q4 23	$1.1B	$396M	$159M
Q1 24	$1.0B	$408M	$192M
Q2 24	$1.1B	$403M	$191M
Q3 24	$1.0B	$382M	$165M
Q4 24	$1.1B	$397M	$178M
Q1 25	$984M	$364M	$177M
Q2 25	$1.0B	$383M	$193M
Q3 25	$1.0B	$389M	$202M
Q4 25	$1.0B	$277M	$197M
Q1 26	$983M	$328M	$123M

Valuation

Quarter	P/S	P/E
Q2 22	0.6x	3.2x
Q3 22	0.6x	3.4x
Q4 22	0.6x	3.1x
Q1 23	0.6x	3.7x
Q2 23	0.6x	3.8x
Q3 23	0.6x	3.8x
Q4 23	0.6x	4.5x
Q1 24	0.6x	4.6x
Q2 24	0.7x	4.9x
Q3 24	0.7x	4.2x
Q4 24	0.7x	3.0x
Q1 25	0.7x	3.1x
Q2 25	0.7x	3.2x
Q3 25	0.7x	3.7x
Q4 25	0.7x	5.7x
Q1 26	0.7x	6.4x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q2 22	$107M	$52M
Q3 22	$216M	$152M
Q4 22	$59M	-$2M
Q1 23	$137M	$80M
Q2 23	$127M	$94M
Q3 23	$255M	$228M
Q4 23	$265M	$234M
Q1 24	$94M	$59M
Q2 24	-$34M	-$63M
Q3 24	$212M	$185M
Q4 24	$134M	$95M
Q1 25	$148M	$124M
Q2 25	-$300.0K	-$8M
Q3 25	$260M	$171M
Q4 25	$135M	$106M
Q1 26	$109M	$62M

Capital Expenditures

Quarter	CapEx
Q2 22	$55M
Q3 22	$63M
Q4 22	$61M
Q1 23	$57M
Q2 23	$33M
Q3 23	$27M
Q4 23	$31M
Q1 24	$35M
Q2 24	$29M
Q3 24	$27M
Q4 24	$39M
Q1 25	$24M
Q2 25	$8M
Q3 25	$90M
Q4 25	$29M
Q1 26	$47M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	-11.7%	-15.5%
Q3 22	-15.3%	-11.4%
Q4 22	-15.0%	-2.9%
Q1 23	-10.3%	-9.4%
Q2 23	+2.8%	+6.1%
Q3 23	+0.8%	+3.4%
Q4 23	-3.6%	-5.0%
Q1 24	+1.2%	+3.0%
Q2 24	-8.9%	-5.6%
Q3 24	-5.6%	-1.8%
Q4 24	+0.6%	-1.4%
Q1 25	-6.2%	-5.9%
Q2 25	-3.8%	-4.8%
Q3 25	-0.3%	-4.6%
Q4 25	-4.9%	-8.0%
Q1 26	-0.1%	+6.6%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q2 22	$0	0.0%
Q3 22	$10M	0.9%
Q4 22	$13M	1.2%
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$10M	0.9%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%
Q1 26	$0	0.0%

OpEx Breakdown

Quarter	SG&A
Q2 22	$221M
Q3 22	$221M
Q4 22	$259M
Q1 23	$203M
Q2 23	$229M
Q3 23	$200M
Q4 23	$237M
Q1 24	$216M
Q2 24	$212M
Q3 24	$218M
Q4 24	$218M
Q1 25	$187M
Q2 25	$191M
Q3 25	$188M
Q4 25	$178M
Q1 26	$205M

Revenue Segments

Quarter	Consumer Bill Payments	Consumer Money Transfers	Foreign Exchange And Payment Services	Other Services	Consumer Services
Q2 22	$53M	$1.0B	$36M	$23M	—
Q3 22	$48M	$982M	$43M	$17M	—
Q4 22	$51M	$985M	$30M	$26M	—
Q1 23	—	$938M	$15M	$83M	—
Q2 23	—	$1.1B	$14M	$84M	—
Q3 23	—	$1.0B	$30M	$79M	—
Q1 24	—	$962M	—	—	$87M
Q2 24	—	$965M	—	—	$101M
Q3 24	—	$932M	—	—	$104M
Q1 25	—	$873M	—	—	$111M
Q2 25	—	$885M	—	—	$141M
Q3 25	—	$878M	—	—	$155M
Q4 25	—	$872M	—	—	$137M

Revenue by Geography

Quarter	East Asia And Oceania	Europe And Cis	Latin America And Caribbean	Middle East Africa And South Asia	North America Member	Other Revenues	Asia Pacific
Q1 23	$55M	$246M	$128M	$169M	$381M	$58M	—
Q2 23	$55M	$257M	$127M	$265M	$406M	$60M	—
Q3 23	$52M	$241M	$132M	$225M	$403M	—	—
Q4 23	$53M	$239M	$135M	$171M	$418M	—	—
Q2 24	—	$251M	$138M	$169M	$414M	—	$50M
Q3 24	—	$256M	$139M	$151M	$395M	—	$52M
Q4 24	—	$258M	$150M	$153M	$406M	—	$51M
Q1 25	—	$240M	$140M	$145M	$366M	—	$47M

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$1.2B	$0	$1.2B
Q3 22	$1.2B	$0	$1.2B
Q4 22	$1.3B	$0	$1.3B
Q1 23	$1.2B	$0	$1.2B
Q2 23	$1.6B	$0	$1.6B
Q3 23	$1.1B	$0	$1.1B
Q4 23	$1.3B	$0	$1.3B
Q1 24	$1.5B	$1.4B	$2.9B
Q2 24	$1.5B	$1.4B	$2.9B
Q3 24	$1.4B	$1.5B	$2.9B
Q4 24	$2.1B	$1.3B	$3.4B
Q1 25	$1.4B	$1.4B	$2.9B
Q2 25	$1.4B	$1.5B	$2.9B
Q3 25	$1.4B	$1.4B	$2.8B
Q4 25	$1.2B	$0	$1.2B
Q1 26	$909M	$0	$909M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	388M	-1.7%	-5.8%
Q3 22	388M	0.0%	-5.0%
Q4 22	384M	-1.0%	-4.4%
Q1 23	376M	-2.2%	-4.8%
Q2 23	376M	+0.0%	-3.1%
Q3 23	375M	-0.2%	-3.3%
Q4 23	361M	-3.7%	-5.9%
Q1 24	346M	-4.3%	-7.9%
Q2 24	340M	-1.8%	-9.6%
Q3 24	340M	-0.0%	-9.5%
Q4 24	341M	+0.5%	-5.5%
Q1 25	339M	-0.6%	-1.9%
Q2 25	330M	-2.8%	-2.9%
Q3 25	331M	+0.3%	-2.7%
Q4 25	319M	-3.5%	-6.5%
Q1 26	317M	-0.7%	-6.6%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$108.4K	11K
Q3 22	$103.8K	11K
Q4 22	$122.7K	9K
Q1 23	$116.5K	9K
Q2 23	$131.5K	9K
Q3 23	$123.3K	9K
Q4 23	$116.9K	9K
Q1 24	$116.6K	9K
Q2 24	$118.5K	9K
Q3 24	$115.1K	9K
Q4 24	$116.3K	9K
Q1 25	$108.1K	9K
Q2 25	$112.8K	9K
Q3 25	$113.5K	9K
Q4 25	$104.8K	10K
Q1 26	$102.4K	10K

Revenue / Employee