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Western Union WU Consumer Services — Direct Operating Costs

Other segment segments

Consumer Money Transfer
$411.4M+1.9%

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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:DirectOperatingCosts.

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
Revenues$845.4$137.3$982.7
Expenses:
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)

Item 1. Financial Statements

FAQ

What is Western Union's consumer services — direct operating costs?
Western Union (WU) reported consumer services — direct operating costs of $37.7M in Q1 2026.
How has Western Union's consumer services — direct operating costs changed year-over-year?
Western Union's consumer services — direct operating costs increased by 32.7% year-over-year, from $28.4M to $37.7M.
What is the long-term trend for Western Union's consumer services — direct operating costs?
Over 3 years (2022 to 2025), Western Union's consumer services — direct operating costs has grown at a 21.6% compound annual growth rate (CAGR), from $82.3M to $147.8M.
What does consumer services — direct operating costs mean?
Captures the variable and fixed expenses directly attributable to the delivery of consumer services, such as agent commissions, transaction processing fees, and customer support costs. Monitoring this metric helps assess the operational efficiency and cost-to-serve ratio of the segment.

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