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Western Union WU Consumer Money Transfer — Capitalized Contract Cost Amortization

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Other financials

Income statement

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Revenue$982.7M-0.1%
Gross profit$327.8M-10.0%
Operating income$123.0M-30.7%
Net income$64.7M-47.6%
EPS (diluted)$0.20-44.4%

Balance sheet

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Cash & equivalents$909.2M-29.5%
Total debt$2.6B-6.0%
Total assets$8.1B-2.9%

Cash flow

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Operating cash flow$109.0M-26.5%
CapEx$6.4M+88.2%
Free cash flow$102.6M-29.1%

Valuation

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Market cap$2.23B-14.1%
Enterprise value$3.95B-8.8%
P/E5.1×+2.2×
P/S0.6×-0.1×

Profitability

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Gross margin36.1%-1.2pp
Operating margin17.4%+0.2pp
Net margin10.9%-11.2pp
FCF margin11.6%

Returns & leverage

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Return on equity19.9%
Debt / equity6.3×

Where this comes from

Reported directly by Western Union in its filing.

Tagged under the XBRL concept us-gaap:CapitalizedContractCostAmortization.

The source filing: Western Union’s 10-Q, filed April 24, 2026.

Filed
Apr 24, 2026, 4:06 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001193125-26-177151

Depreciation and amortization excludes amortization of capitalized contract costs paid to agents and partners, as this amortization is recorded as commissions to agents and partners and is therefore included in direct transactional expenses. Amortization of capitalized contract costs included within direct transactional expenses in the Consumer Money Transfer segment was $13.0 million and $11.5 million for the three months ended March 31, 2026 and 2025, respectively.

Item 1. Financial Statements

FAQ

What is Western Union's consumer money transfer — capitalized contract cost amortization?
Western Union (WU) reported consumer money transfer — capitalized contract cost amortization of $13M in Q1 2026.
How has Western Union's consumer money transfer — capitalized contract cost amortization changed year-over-year?
Western Union's consumer money transfer — capitalized contract cost amortization increased by 13.0% year-over-year, from $11.5M to $13M.
What is the long-term trend for Western Union's consumer money transfer — capitalized contract cost amortization?
Over 3 years (2022 to 2025), Western Union's consumer money transfer — capitalized contract cost amortization has grown at a -18.2% compound annual growth rate (CAGR), from $81M to $44.3M.
What does consumer money transfer — capitalized contract cost amortization mean?
The periodic expense recognized from the amortization of costs incurred to obtain or fulfill long-term customer or agent contracts. This reflects the timing of investment recovery for business development activities within the segment.

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