WUThe Western Union Company

$3B

Q3 2022 Earnings

Financial Services Financial - Credit Services

Income Statement

Revenue

$1.1B-15.3% YoY

Gross Profit

$452M41.5% margin

Operating Income

$232M21.3% margin

Net Income

$174M16.0% margin

EPS (Diluted)

$0.45

QoQ Revenue Growth

-4.3%

Cash Flow

Operating Cash Flow

$216M

Free Cash Flow

$152M

Stock-Based Comp.

$10M

Balance Sheet

Total Assets

$8.9B

Total Liabilities

$8.4B

Stockholders' Equity

$528M

Cash & Equivalents

$1.2B

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$1.1B	$1.3B	-15.3%
Gross Profit	$452M	$566M	-20.1%
Operating Income	$232M	$319M	-27.2%
Net Income	$174M	$233M	-25.3%

Revenue Segments

Consumer Money Transfers

$982M90%

Consumer Bill Payments

$48M4%

Foreign Exchange And Payment Services

$43M4%

Other Services

$17M2%

Geographic Segments

North America Member

$416M40%

Europe And Cis

$283M27%

Middle East Africa And South Asia

$157M15%

Latin America And Caribbean

$123M12%

East Asia And Oceania

$57M5%

WU Q3 2022 Earnings — The Western Union Company Revenue & Financial Results | Market Cap Arena