Q4 2025 Western Union Co Earnings Call Transcript
Key Points
- The Western Union Co (WU) reported a strong performance in its Consumer Services business, with adjusted revenue up 26% in the fourth quarter and roughly 30% for the full year.
- The company's branded Digital Business increased transactions by 13% and adjusted revenue by 6% in the quarter, driven by new relationships in the Middle East.
- The Western Union Co (WU) has successfully onboarded over 30,000 customers to its V-Go Money Wallet in the US, with a significant portion of these customers becoming active users.
- The company has signed several new exclusive partnerships, including with Deutsche Post, Canada Post, and Vallarta Markets, expected to generate at least $100 million in incremental retail revenue per year.
- The Western Union Co (WU) continues to return excess capital to shareholders, with over $500 million returned via dividends and share buybacks in the past year.
- The Western Union Co (WU) reported a 5% year-over-year decline in adjusted revenue for the fourth quarter, with consumer money transfer transactions down 2.5%.
- The company's retail business in the Americas continues to face headwinds due to geopolitical challenges, particularly in the US to Mexico corridor.
- The US remittance tax, effective January 1, could potentially impact the company's cash-based international money transfer transactions.
- The Western Union Co (WU) is experiencing flattening customer acquisition trends outside of the Middle East, indicating potential challenges in expanding its customer base.
- The company anticipates higher interest expenses in 2026 due to refinancing existing notes, which could impact its financial performance.
2025 results conference call. (Operator Instructions) Please note, this event is being recorded. I would now like to turn the conference over to Tom Hadley, Vice President of Investor Relations. Tom, please go ahead.
Thank you. On today's call, we will discuss the company's fourth quarter and full year 2025 results, 2026 outlook, and then we will take your questions. The slides that accompany this call and webcast can be found at westernunion.com under the Investor Relations tab and will remain available after the call. Additional operational statistics have been provided in supplemental tables with our press release.
Joining me on the call today is our CEO, Devin McGranahan, and our CFO, Matt Cagwin. Today's call is being recorded, and our comments include forward-looking statements. Please refer to the cautionary language in the earnings release and in Western Union's filings with the Securities and Exchange Commission, including the 2025 Form 10-K, which will be filed later today, for
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