Western Union Company (NYSE: WU) Q2 2025 Earnings | 07/30/2025

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Western Union Company reported its Q2 2025 results with revenue of $1.03 billion, reflecting a 4% year-over-year decline as ongoing weakness in North America retail and lower revenue from Iraq offset growth in its Branded Digital and Consumer Services businesses. The company attributed the softness primarily to continued macroeconomic uncertainty, stricter immigration policies that pressured transaction volumes, and lagging performance in core money transfer operations. Despite these challenges, Branded Digital revenue grew 6% and transactions were up 9%, now representing 29% of the Consumer Money Transfer segment’s revenue, underscoring digital as a bright spot. Adjusted for the exclusion of Iraq, overall revenue was down only 1%. Profitability metrics saw modest pressure. GAAP net income for the quarter was $141 million, with GAAP earnings per share (EPS) at $0.37, down from $0.41 a year earlier. Adjusted EPS came in at $0.42, also slightly below the $0.44 posted in Q2 2024, with analysts noting the quarter’s EPS figure as a negative surprise relative to expectations. The GAAP operating margin was 19%, a slight improvement from last year, while the adjusted operating margin was flat at 19%. Segment results included an 8% revenue decrease in Consumer Money Transfer (CMT) and a 39% increase in Consumer Services revenue, the latter largely driven by robust growth in the Travel Money business in Europe after the Eurochange acquisition. Regionally, the EU & CIS market was the standout, registering 6% revenue growth, while North America, MEASA, LACA, and APAC contracted. As management continues to execute its Evolve 2025 strategy, the company highlighted significant productivity gains and cost savings from digital transformation and the deployment of AI, which has notably reduced customer service handling times. Western Union reaffirmed its full-year 2025 guidance, though at a slightly lower range, with expected adjusted revenue between $4.04 and $4.14 billion and EPS of $1.65–$1.75. Looking ahead, leadership remains focused on accelerating Branded Digital adoption, expanding in non-core consumer services, and managing costs to drive long-term profitability and adaptation amid evolving regulatory and competitive landscapes. About Inside Ticker: For more expert analysis and real-time updates on Western Union Company (NYSE: WU) and other market movers, follow Inside Ticker and visit http://www.insideticker.com/ for in-depth reports, financial insights, and the latest news on leading companies. #WesternUnion #WU #Q22025 #Earnings #FinancialResults #Revenue #NetIncome #EPS #DigitalTransformation #ConsumerMoneyTransfer #BrandedDigital #TravelMoney #OperatingMargin #StockMarket #InsideTicker #Guidance #AI #CostSavings #QuarterlyUpdate #OperationalExcellence #2025Outlook #Remittances #EuropeExpansion #BusinessUpdate