Money transfer company Western Union (NYSE: WU) missed Wall Street’s revenue expectations in Q4 CY2025, with sales falling 3.1% year on year to $1.01 billion. Its non-GAAP profit of $0.45 per share was 4% above analysts’ consensus estimates.
Is now the time to buy Western Union? Find out by accessing our full research report, it’s free.
Western Union (WU) Q4 CY2025 Highlights:
- Revenue: $1.01 billion vs analyst estimates of $1.04 billion (3.1% year-on-year decline, 3.3% miss)
- Pre-tax Profit: $151.1 million (15% margin)
- Adjusted EPS: $0.45 vs analyst estimates of $0.43 (4% beat)
- Adjusted EPS guidance for the upcoming financial year 2026 is $1.80 at the midpoint, beating analyst estimates by 0.5%
- Market Capitalization: $3 billion
Company Overview
With a history dating back to 1851 when it began as a telegraph company, Western Union (NYSE: WU) is a global money transfer service that enables consumers and businesses to send funds across borders and currencies, typically within minutes.
Revenue Growth
Reviewing a company’s long-term sales performance reveals insights into its quality. Any business can put up a good quarter or two, but the best consistently grow over the long haul. Western Union’s demand was weak over the last five years as its revenue fell at a 2.8% annual rate. This wasn’t a great result and is a sign of poor business quality.
We at StockStory place the most emphasis on long-term growth, but within financials, a half-decade historical view may miss recent interest rate changes, market returns, and industry trends. Western Union’s annualized revenue declines of 3.8% over the last two years align with its five-year trend, suggesting its demand has consistently shrunk. 
Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.
This quarter, Western Union missed Wall Street’s estimates and reported a rather uninspiring 3.1% year-on-year revenue decline, generating $1.01 billion of revenue.
Microsoft, Alphabet, Coca-Cola, Monster Beverage—all began as under-the-radar growth stories riding a massive trend. We’ve identified the next one: a profitable AI semiconductor play Wall Street is still overlooking. Go here for access to our full report.
Key Takeaways from Western Union’s Q4 Results
It was good to see Western Union beat analysts’ EPS expectations this quarter. We were also glad its full-year EPS guidance slightly exceeded Wall Street’s estimates. On the other hand, its revenue missed. Overall, this quarter could have been better. The stock traded down 2.6% to $9.20 immediately following the results.
Western Union’s earnings report left more to be desired. Let’s look forward to see if this quarter has created an opportunity to buy the stock. The latest quarter does matter, but not nearly as much as longer-term fundamentals and valuation, when deciding if the stock is a buy. We cover that in our actionable full research report which you can read here (it’s free).
