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Western Union WU Consumer Services — Operating Income

Other segment segments

Consumer Money Transfer
$110.5M-30.6%

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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 services — operating income?
Western Union (WU) reported consumer services — operating income of $16.2M in Q1 2026.
How has Western Union's consumer services — operating income changed year-over-year?
Western Union's consumer services — operating income decreased by 40.2% year-over-year, from $27.1M to $16.2M.
What is the long-term trend for Western Union's consumer services — operating income?
Over 4 years (2021 to 2025), Western Union's consumer services — operating income has grown at a 23.4% compound annual growth rate (CAGR), from $50M to $115.9M.
What does consumer services — operating income mean?
Measures the profitability of the consumer services segment by subtracting direct operating costs and depreciation from total segment revenues. It is a key performance indicator for evaluating the segment's ability to generate sustainable earnings from its core business activities.

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