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Western Union WU Consumer Money Transfer — Operating Income

Other segment segments

Consumer Services
$27.1M

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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:OperatingIncomeLoss.

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
Line itemConsumer Money TransferConsumer ServicesTotal
Direct transactional expenses (a)411.437.7449.1
Depreciation and amortization (b)26.65.932.5
Other segment items (c)296.977.5374.4
Total segment operating income$110.5$16.2$126.7
Severance release (d)0.5
Acquisition, separation, and integration costs (e)(2.1)
Amortization of acquisition-related intangible assets (f)(1.2)
Russia termination costs (g)(0.9)

Item 1. Financial Statements

FAQ

What is Western Union's consumer money transfer — operating income?
Western Union (WU) reported consumer money transfer — operating income of $110.5M in Q1 2026.
How has Western Union's consumer money transfer — operating income changed year-over-year?
Western Union's consumer money transfer — operating income decreased by 30.6% year-over-year, from $159.3M to $110.5M.
What is the long-term trend for Western Union's consumer money transfer — operating income?
Over 4 years (2021 to 2025), Western Union's consumer money transfer — operating income has grown at a -8.9% compound annual growth rate (CAGR), from $977.6M to $674.6M.
What does consumer money transfer — operating income mean?
Calculated as the segment's total revenue minus all direct operating costs, depreciation, and other operating expenses. It serves as the primary measure of the segment's core operational profitability and financial health.

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