Shares of The Western Union Co (NYSE: WU) closed at $8.91 on the New York Stock Exchange, down about 5.6% intraday, after the company reported fourth-quarter and full-year 2025 financial results. At Friday’s close, the company’s market capitalization stood near $2.84 billion based on the latest shares outstanding and closing price.
Q4 2025 Financial Results
In the fourth quarter ended December 31, Western Union reported consolidated GAAP revenue of $1.0 billion, a 5% decrease from the same period a year earlier. Net income attributable to shareholders was $114.4 million, down sharply from the year-ago quarter reflected in the company’s statutory filing. On a per-share basis, GAAP earnings were $0.36 compared with $1.13 in the prior year period, reflecting the absence of significant tax benefits that supported the prior year quarter. Adjusted earnings per share in Q4 2025 were $0.45, up from $0.40 in Q4 2024.
Full Year 2025 Results
For the full year 2025, Western Union’s total revenue was $4.1 billion, down 4% on a reported basis compared with 2024. On an adjusted basis, excluding certain currency and inflation effects, revenue declined about 2%. GAAP net income for 2025 was approximately $500 million, down from roughly $934 million in 2024; both prior-year figures included substantial non-recurring tax benefits. Adjusted EPS for 2025 was $1.75, nearly flat with the prior year’s adjusted result of $1.74. GAAP operating margins expanded modestly to 19% from 17% in 2024 while adjusted operating margin widened to 20%.
Q4 Business Update
Segment Results: The Consumer Services segment reported 15% GAAP revenue growth or 26% on an adjusted basis driven by expansion of travel money and bill pay businesses. Branded Digital revenue grew 7% with digital transaction volumes rising double digits. The traditional Consumer Money Transfer segment saw revenue and transaction declines.
Acquisition: Western Union agreed to acquire International Money Express, Inc. with the transaction expected to close in the second quarter of 2026 subject to regulatory approvals.
Dividends: The board approved $0.235 per share quarterly dividend for the first quarter of 2026 payable March 31 to shareholders of record March 17.
Equity Analyst Commentary
Institutional research noted the company’s mixed operating results while highlighting margin improvement and digital growth. Analysts referenced the revenue decline in core money transfer operations and incremental gains in digital services as key components of the latest earnings call. Commentary also pointed to the pending acquisition as a material development for the company’s competitive positioning.
Guidance & Outlook
Western Union provided 2026 revenue and EPS outlook ranges in its Q4 release, with projected GAAP revenue growth of 5% to 8%, adjusted revenue growth of 6% to 9%, and EPS ranges inclusive of the expected acquisition close. The company said the outlook assumes no material currency or macroeconomic disruptions and contingent regulatory clearances.
Performance Summary
WU shares declined intraday after reporting Q4 results. Revenue was down for both the quarter and full year 2025. Segments showed divergent trends with digital and services up, core money transfer down. Dividend declared and acquisition agreed. Guidance framed around 2026 expectations.
The post Western Union Co Stock Moves Lower After Q4 2025 Results first appeared on AlphaStreet News.
