Western Union CO (WU) Form 8-K — Nov 4, 2026
Western Union reported Q3 2026 GAAP EPS of $0.25, down 42% from $0.43 a year ago, on revenue of $1.0 billion that declined 2% YoY. Net income fell 44% to $78.0 million, driven by lower revenues, a $37.3 million one-time charge for the Beyond efficiency program, and a higher GAAP tax rate. The declines were not purely cost-driven: the core Consumer Money Transfer segment posted a 15% drop in segment operating income as the North America retail business slowed, while Branded Digital remained the bright spot with 8% revenue growth and 21% transaction growth.
Key figures
- Eps
- 0.25
- Guidance
- FY2026 adjusted EPS of $1.28-$1.38; adjusted revenue growth 0% to 1% including Intermex, or (2)% to (1)% excluding Intermex
- Net Income
- 78000000
- Revenue Yoy
- -2%
- Cash Position
- 1098000000
- Adjusted eps
- 0.42
- Cmt segment revenue
- 857200000
- Gaap eps prior year
- 0.43
- Gaap operating margin
- 13%
- Nine month net income
- 219400000
- Adjusted eps prior year
- 0.47
- Gaap effective tax rate
- 19%
- Adjusted operating margin
- 18%
- Consumer services revenue
- 152100000
- Cmt segment revenue change
- -2%
- Adjusted effective tax rate
- 9%
- Branded digital revenue growth
- 8%
- Beyond efficiency program charge
- 37300000
- Nine month net income prior year
- 385200000
- Branded digital transaction growth
- 21%
AI analysis
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