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Western Union WU Q4 2025 Annual earnings

Reported February 20, 2026 · Before market open

Revenue$1.0BMiss by $36.2M
EPS$0.45Beat by $0.02
Revenue estimate$1.0B
EPS estimate$0.43

Next report

Jul 30, 2026 (Today)
Revenue estimate$1.0B
EPS estimate$0.43

Financials

Q4 2025

Income statement

See full
Revenue$1.0B-4.7%
Gross profit$363.0M-8.4%
Operating income$185.3M+4.0%
Net income$114.4M-70.3%
EPS (diluted)$0.35-69.0%

Balance sheet

See full
Cash & equivalents$1.2B-16.3%
Total debt$3.1B-0.9%
Total assets$8.3B-0.8%

Cash flow

See full
Operating cash flow$135.4M+1.0%
CapEx$19.9M+39.2%
Free cash flow$115.5M-3.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$2.96B-17.4%
Enterprise value$4.83B-7.8%
P/E5.9×+2.1×
P/S0.7×-0.1×

Profitability

See full
Gross margin37%-0.7pp
Operating margin18.7%+1.5pp
Net margin12.3%-9.9pp
FCF margin12.7%—

Segments

By geography

See full
North America Member$352.3M-13.2%
Europe And Cis$292.9M+13.6%
Latin America And Caribbean$143.8M-4.1%
Middle East Africa And South Asia$131.9M-13.9%
Asia Pacific$51.1M+1.2%

By product

See full
Consumer Money Transfers$871.5M-7.2%
Consumer Services$136.9M+14.7%

By segment

See full
Consumer Money Transfer$871.5M-7.2%

Versus estimates

Revenue

Q1 2026$982.7MBeat by $22.1M
Q4 2025$1.0BMiss by $36.2M
Q3 2025$1.0BMiss by $9.6MQ2 2025$1.0BMiss by $15.6MQ1 2025$983.6MMiss by $57.7MQ4 2024$1.1BBeat by $31.7M

Diluted EPS

Q1 2026$0.25Miss by $0.15
Q4 2025$0.45Beat by $0.02
Q3 2025$0.47Beat by $0.04Q2 2025$0.42Miss by $0.02Q1 2025$0.41Beat by $0.01Q4 2024$0.40Miss by $0.02

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Questions, answered.

When did Western Union report Q4 2025 earnings?
Western Union (WU) reported Q4 2025 earnings on February 20, 2026 before market open.
What were Western Union's Q4 2025 revenue and EPS?
Western Union reported revenue of $1.0B and eps of $0.45 for Q4 2025.
Did Western Union beat estimates in Q4 2025?
Revenue missed the consensus estimate of $1.0B by $36.2M. EPS beat the consensus estimate of $0.43 by $0.02.
How did Western Union's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 4.7% from $1.1B a year earlier and eps grew 12.5% from $0.40.
Where can I find Western Union's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-060322) and the 10-K periodic report (0001193125-26-061340) directly on SEC EDGAR. The filing index links above go to sec.gov.