Western Union Company (WU) reported $4.01B of revenue for the twelve months ended Sep 30, 2026. That is down 2.1% from the year before. Revenue for fiscal 2025 was $4.05B.

Yes. Western Union Company earned $333.80M in net income for the twelve months ended Sep 30, 2026, a net margin of 8.3%.

How much cash and debt does WU have?

Western Union Company reported $1.10B in cash and cash equivalents and $2.50B of debt on its most recent balance sheet in SEC filings.

How fast is WU revenue growing?

Western Union Company's revenue changed -3.8% in fiscal 2025, to $4.05B. Its compound annual growth rate was -3.5% over 5 years and -3.0% over 10 years.

What is WU gross margin?

Western Union Company's gross profit was $1.37B on $4.01B of revenue for the twelve months ended Sep 30, 2026, a gross margin of 34.1%.

What is WU free cash flow?

Western Union Company generated $412.60M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $456.60M less capital expenditures.

What is WU earnings per share?

Diluted earnings per share were $1.05 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.

When did WU last report financial results?

The latest statements here come from Western Union Company's 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.

Where does this WU financial data come from?

Quantisnow builds these statements from the structured XBRL data Western Union Company files with the SEC. It is provided for information only and is not investment advice.

Financials · WU

Western Union Company (WU) financials

For the twelve months ended Sep 30, 2026, Western Union Company reported $4.01B of revenue and $333.80M of net income.

Revenue, TTM: $4.01B
Revenue growth, YoY: -2.1%
Net income, TTM: $333.80M
Net income growth, YoY: -56.7%
Net margin: 8.3%
Free cash flow, TTM: $412.60M
EPS, diluted, TTM: $1.05
EPS growth, YoY: -54.3%
Cash: $1.10B
Total debt: $2.50B
P/E: 6.41
P/S: 0.53
Market cap: $2.14B

Annual revenue$4.05B

FY2016FY2025

Annual net income$499.60M

FY2016FY2025

Annual free cash flow$505.20M

FY2016FY2025

WU revenue and earnings growth

WU revenueQ3 2026$1.01B

Quarter YoY: -2.3%
QoQ: -0.4%
FY YoY: -3.8%
5Y CAGR: -3.5%
10Y CAGR: -3.0%

WU revenue was $1.01B in fiscal Q3 2026 (ended Sep 30, 2026), down 2.3% from a year earlier and down 0.4% from the prior quarter. For the full fiscal 2025 it was $4.05B, down 3.8% from fiscal 2024. Compound annual growth was -3.5% over 5 years and -3.0% over 10 years. It rose in 3 of the last 10 fiscal years.

WU net incomeQ3 2026$78.00M

Quarter YoY: -44.1%
QoQ: +1.7%
FY YoY: -46.5%
5Y CAGR: -7.7%
10Y CAGR: -5.0%

WU net income was $78.00M in fiscal Q3 2026 (ended Sep 30, 2026), down 44.1% from a year earlier and up 1.7% from the prior quarter. For the full fiscal 2025 it was $499.60M, down 46.5% from fiscal 2024. Compound annual growth was -7.7% over 5 years and -5.0% over 10 years. It rose in 4 of the last 7 fiscal years.

WU EPSQ3 2026$0.25

Quarter YoY: -41.9%
QoQ: +4.2%
FY YoY: -44.5%
5Y CAGR: -3.2%
10Y CAGR: -0.6%

WU diluted EPS was $0.25 in fiscal Q3 2026 (ended Sep 30, 2026), down 41.9% from a year earlier and up 4.2% from the prior quarter. For the full fiscal 2025 it was $1.52, down 44.5% from fiscal 2024. Compound annual growth was -3.2% over 5 years and -0.6% over 10 years.

WU free cash flowQ3 2026$99.90M

Quarter YoY: -60.5%
QoQ: +5.6%
FY YoY: +36.9%
5Y CAGR: -9.7%
10Y CAGR: -6.4%

WU free cash flow was $99.90M in fiscal Q3 2026 (ended Sep 30, 2026), down 60.5% from a year earlier and up 5.6% from the prior quarter. For the full fiscal 2025 it was $505.20M, up 36.9% from fiscal 2024. Compound annual growth was -9.7% over 5 years and -6.4% over 10 years. It rose in 5 of the last 10 fiscal years.

Export CSV

Income statement

Income statement
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue	$4.05B	$4.21B	$4.36B	$4.48B	$5.07B	$4.83B	$5.29B	$5.59B	$5.52B	$5.42B
Cost of revenue	$2.55B	$2.62B	$2.67B	$2.63B	$2.90B	$2.83B	$3.09B	$3.30B	$3.35B	$3.27B
Gross profit	$1.50B	$1.59B	$1.69B	$1.85B	$2.17B	$2.01B	$2.21B	$2.29B	$2.17B	$2.16B
Selling, general and admin	$742.80M	$863.40M	$867.80M	$964.20M	$1.05B	$1.04B	$1.27B	$1.17B	$1.23B	$1.67B
Operating income	$757.30M	$725.80M	$817.50M	$884.90M	$1.12B	$967.30M	$934.00M	$1.12B	$475.80M	$487.00M
Pre-tax income	$625.70M	$618.60M	$745.80M	$1.01B	$935.40M	$855.10M	$1.32B	$991.40M	$347.50M	$341.70M
Income tax	$126.10M	-$315.60M	$119.80M	$98.00M	$129.60M	$110.80M	$263.10M	$139.50M	$904.60M	$88.50M
Net income	$499.60M	$934.20M	$626.00M	$910.60M	$805.80M	$744.30M	$1.06B	$851.90M	-$557.10M	$253.20M
EPS, basic	$1.53	$2.75	$1.69	$2.35	$1.98	$1.81	$2.47	$1.89	-$1.19	$0.52
EPS, diluted	$1.52	$2.74	$1.68	$2.34	$1.97	$1.79	$2.46	$1.87	-$1.19	$0.51
Diluted shares	327.6M	341.1M	371.8M	388.4M	408.9M	415.2M	430.9M	454.4M	467.9M	493.5M

Balance sheet

Balance sheet
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Cash and equivalents	$1.23B	$1.47B	$1.27B	$1.29B	$1.21B	$1.43B	$1.45B	$979.70M	$844.40M	$877.50M
Goodwill	$2.10B	$2.06B	$2.03B	$2.03B	$2.03B	$2.57B	$2.57B	$2.73B	$2.73B	$3.16B
Total assets	$8.31B	$8.37B	$8.20B	$8.50B	$8.82B	$9.50B	$8.76B	$9.00B	$9.23B	$9.42B
Total debt	$2.88B	$2.95B	$2.15B	$2.45B	$2.75B	-	-	-	-	-
Total liabilities	$7.35B	$7.40B	$7.72B	$8.02B	$8.47B	$9.31B	$8.80B	$9.31B	$9.72B	$8.52B
Shareholders' equity	$957.80M	$968.90M	$479.00M	$477.80M	$355.60M	$186.60M	-$39.50M	-$309.80M	-$491.40M	$902.20M

Cash flow

Cash flow
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Operating cash flow	$543.70M	$406.30M	$783.10M	$581.60M	$1.05B	$877.50M	$914.60M	$821.30M	$742.00M	$1.04B
Capital expenditures	$38.50M	$37.40M	$22.90M	$31.90M	$37.70M	$36.50M	$48.10M	$136.70M	$69.10M	$68.80M
Free cash flow	$505.20M	$368.90M	$760.20M	$549.70M	$1.01B	$841.00M	$866.50M	$684.60M	$672.90M	$973.10M
Investing cash flow	-$230.30M	-$16.30M	-$140.80M	$525.50M	$192.00M	-$373.50M	$167.00M	-$328.80M	-$204.60M	-$271.10M
Financing cash flow	-$782.60M	-$69.30M	-$896.80M	-$1.18B	-$1.27B	-$185.90M	-$1.48B	-$357.20M	-$570.50M	-$1.21B
Dividends paid	$309.00M	$321.50M	$349.00M	$364.20M	$381.60M	$370.30M	$340.80M	$341.70M	$325.60M	$312.20M
Share repurchases	$234.60M	$186.20M	$308.40M	$369.90M	$409.90M	$239.70M	$552.60M	$412.40M	$502.80M	$501.60M
Depreciation and amortization	-	-	-	-	-	$225.60M	$257.70M	$264.70M	$262.90M	$263.20M

Key ratios

Key ratios
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue growth, YoY	-3.8%	-3.4%	-2.6%	-11.7%	4.9%	-8.6%	-5.3%	1.2%	1.9%	-1.1%
Net income growth, YoY	-46.5%	49.2%	-31.3%	13.0%	8.3%	-29.7%	24.2%	-	-	-69.8%
EPS growth, YoY	-44.5%	63.1%	-28.2%	18.8%	10.1%	-27.2%	31.6%	-	-	-68.5%
Gross margin	37.0%	37.8%	38.7%	41.3%	42.9%	41.5%	41.7%	41.0%	39.3%	39.8%
Operating margin	18.7%	17.2%	18.8%	19.8%	22.1%	20.0%	17.6%	20.1%	8.6%	9.0%
Net margin	12.3%	22.2%	14.4%	20.3%	15.9%	15.4%	20.0%	15.2%	-10.1%	4.7%
Free cash flow margin	12.5%	8.8%	17.4%	12.3%	19.9%	17.4%	16.4%	12.2%	12.2%	17.9%
Return on equity	52.2%	96.4%	130.7%	190.6%	226.6%	398.9%	-	-	-	28.1%
Return on assets	6.0%	11.2%	7.6%	10.7%	9.1%	7.8%	12.1%	9.5%	-6.0%	2.7%
Debt to equity	3.01	3.04	4.49	5.13	7.73	-	-	-	-	-

Income statement

Income statement
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue	$1.01B	$1.01B	$982.70M	$1.01B	$1.03B	$1.03B	$983.60M	$1.06B	$1.04B	$1.07B	$1.05B	$1.05B
Cost of revenue	$666.30M	$676.70M	$654.90M	$645.40M	$643.20M	$642.80M	$619.20M	$661.70M	$653.60M	$663.90M	$641.30M	$656.10M
Gross profit	$343.00M	$336.50M	$327.80M	$363.00M	$389.40M	$383.30M	$364.40M	$396.50M	$382.40M	$402.50M	$407.80M	$396.20M
Selling, general and admin	$212.20M	$204.40M	$204.80M	$177.70M	$187.50M	$190.60M	$187.00M	$218.40M	$217.50M	$211.80M	$215.70M	$236.90M
Operating income	$130.80M	$132.10M	$123.00M	$185.30M	$201.90M	$192.70M	$177.40M	$178.10M	$164.90M	$190.70M	$192.10M	$159.30M
Pre-tax income	$96.10M	$95.40M	$90.10M	$151.10M	$167.60M	$159.70M	$147.30M	$147.70M	$135.70M	$165.20M	$170.00M	$144.10M
Income tax	$18.10M	$18.70M	$25.40M	$36.70M	$28.00M	$37.60M	$23.80M	-$238.00M	-$129.10M	$24.20M	$27.30M	$17.10M
Net income	$78.00M	$76.70M	$64.70M	$114.40M	$139.60M	$122.10M	$123.50M	$385.70M	$264.80M	$141.00M	$142.70M	$127.00M
EPS, basic	$0.25	$0.25	$0.21	$0.36	$0.43	$0.37	$0.37	$1.14	$0.78	$0.42	$0.41	$0.35
EPS, diluted	$0.25	$0.24	$0.20	$0.36	$0.43	$0.37	$0.36	$1.14	$0.78	$0.41	$0.41	$0.35
Diluted shares	313.5M	313.6M	316.8M	-	322.8M	329.6M	339.2M	-	339.5M	339.6M	345.7M	-

Balance sheet

Balance sheet
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Cash and equivalents	$1.10B	$919.80M	$909.20M	$1.23B	$947.80M	$1.02B	$1.29B	$1.47B	$1.10B	$1.03B	$1.11B	$1.27B
Goodwill	$2.14B	$2.14B	$2.10B	$2.10B	$2.09B	$2.09B	$2.06B	$2.06B	$2.06B	$2.06B	$2.05B	$2.03B
Total assets	$8.08B	$7.97B	$8.10B	$8.31B	$7.78B	$7.98B	$8.34B	$8.37B	$7.68B	$7.97B	$8.05B	$8.20B
Total debt	$2.50B	$2.51B	$2.33B	$2.88B	$2.50B	$2.50B	$2.45B	$2.95B	$2.15B	$2.15B	$2.15B	$2.15B
Total liabilities	$7.19B	$7.05B	$7.19B	$7.35B	$6.86B	$7.10B	$7.40B	$7.40B	$7.02B	$7.53B	$7.66B	$7.72B
Shareholders' equity	$890.60M	$914.70M	$910.50M	$957.80M	$925.40M	$883.60M	$939.40M	$968.90M	$652.70M	$440.80M	$397.90M	$479.00M

Cash flow

Cash flow
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Operating cash flow	$107.30M	$104.90M	$109.00M	$135.40M	$260.40M	-$300.0K	$148.20M	$134.00M	$212.10M	-$33.80M	$94.00M	$264.50M
Capital expenditures	$7.40M	$10.30M	$6.40M	$19.90M	$7.70M	$7.50M	$3.40M	$14.30M	$7.00M	$5.10M	$11.00M	$6.70M
Free cash flow	$99.90M	$94.60M	$102.60M	$115.50M	$252.70M	-$7.80M	$144.80M	$119.70M	$205.10M	-$38.90M	$83.00M	$257.80M
Investing cash flow	$42.30M	-$69.60M	-$55.50M	-$27.30M	-$25.60M	-$66.30M	-$111.10M	$117.80M	-$65.70M	-$62.10M	-$6.30M	-$64.30M
Financing cash flow	$297.10M	-$155.90M	-$208.20M	$154.20M	-$263.90M	$23.70M	-$696.60M	$427.50M	-$204.20M	$40.50M	-$333.10M	-$61.80M
Dividends paid	$73.70M	$73.40M	$79.40M	$74.40M	$75.50M	$76.80M	$82.30M	$79.60M	$79.60M	$81.80M	$80.50M	$83.00M
Share repurchases	$1.70M	$11.10M	$52.90M	$26.10M	$52.30M	$79.50M	$76.70M	$3.70M	$1.70M	$30.20M	$150.60M	$211.30M

Key ratios

Key ratios
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue growth, YoY	-2.3%	-1.3%	-0.1%	-4.7%	-0.3%	-3.8%	-6.2%	0.6%	-5.6%	-8.9%	1.2%	-3.6%
Net income growth, YoY	-44.1%	-37.2%	-47.6%	-70.3%	-47.3%	-13.4%	-13.5%	203.7%	54.9%	-20.0%	-6.0%	-49.1%
EPS growth, YoY	-41.9%	-35.1%	-44.4%	-68.4%	-44.9%	-9.8%	-12.2%	225.7%	69.6%	-12.8%	2.5%	-46.2%
Gross margin	34.0%	33.2%	33.4%	36.0%	37.7%	37.4%	37.0%	37.5%	36.9%	37.7%	38.9%	37.7%
Operating margin	13.0%	13.0%	12.5%	18.4%	19.6%	18.8%	18.0%	16.8%	15.9%	17.9%	18.3%	15.1%
Net margin	7.7%	7.6%	6.6%	11.3%	13.5%	11.9%	12.6%	36.4%	25.6%	13.2%	13.6%	12.1%
Free cash flow margin	9.9%	9.3%	10.4%	11.5%	24.5%	-0.8%	14.7%	11.3%	19.8%	-3.6%	7.9%	24.5%
Debt to equity	2.81	2.74	2.56	3.01	2.70	2.83	2.61	3.04	3.29	4.88	5.40	4.49

Source: XBRL data Western Union Company files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

WU peers

Company	Revenue	Growth	Net income	Net margin	Market cap
WU	$4.01B	-2.1%	$333.80M	8.3%	$2.14B
VVisa Inc.	$45.90B	+14.8%	$23.50B	51.2%	$761.17B
MAMastercard Incorporated	$36.29B	+15.3%	$16.96B	46.7%	$571.32B
BABAAlibaba Group Holding Limited	CN¥1.02T	+2.7%	CN¥103.59B	10.1%	$255.28B
ACNAccenture plc	$74.18B	+6.5%	$8.37B	11.3%	$170.10B
UBERUber Technologies Inc.	$56.53B	+13.9%	$3.46B	6.1%	$145.32B
PDDPDD Holdings Inc.	CN¥431.85B	+9.7%	CN¥97.84B	22.7%	$114.58B
DASHDoorDash Inc.	$17.06B	+35.0%	$1.06B	6.2%	$78.89B
MELIMercadoLibre Inc.	$38.52B	+47.1%	$1.89B	4.9%	$77.70B

WU FAQ

9 questions

What is WU revenue?
Western Union Company (WU) reported $4.01B of revenue for the twelve months ended Sep 30, 2026. That is down 2.1% from the year before. Revenue for fiscal 2025 was $4.05B.
Is WU profitable?
Yes. Western Union Company earned $333.80M in net income for the twelve months ended Sep 30, 2026, a net margin of 8.3%.
How much cash and debt does WU have?
Western Union Company reported $1.10B in cash and cash equivalents and $2.50B of debt on its most recent balance sheet in SEC filings.
How fast is WU revenue growing?
Western Union Company's revenue changed -3.8% in fiscal 2025, to $4.05B. Its compound annual growth rate was -3.5% over 5 years and -3.0% over 10 years.
What is WU gross margin?
Western Union Company's gross profit was $1.37B on $4.01B of revenue for the twelve months ended Sep 30, 2026, a gross margin of 34.1%.
What is WU free cash flow?
Western Union Company generated $412.60M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $456.60M less capital expenditures.
What is WU earnings per share?
Diluted earnings per share were $1.05 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
When did WU last report financial results?
The latest statements here come from Western Union Company's 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
Where does this WU financial data come from?
Quantisnow builds these statements from the structured XBRL data Western Union Company files with the SEC. It is provided for information only and is not investment advice.