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The Western Union Company provides money movement payments, and digital financial services in the United States and internationally. It operates through two segments, Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agents and owned locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, money order and media network services, travel money services, check acceptance services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $4.1B | $934M | $500M | $393M | 52.2% | -3.8% | -46.5% |
| 2024 | $4.2B | $918M | $934M | $276M | 96.4% | -3.4% | 49.2% |
| 2023 | $4.4B | $1.0B | $626M | $635M | 130.7% | -2.6% | -31.3% |
| 2022 | $4.5B | $1.3B | $911M | $373M | 190.6% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 4,475.50 | 4,357 | 4,209.70 | 4,050.70 |
| Operating Revenue | - | 4,475.50 | 4,158 | 4,027.10 | 3,879.60 |
| Cost Of Revenue | - | 2,626.40 | 2,671.70 | 2,620.50 | 2,550.60 |
| Gross Profit | - | 1,849.10 | 1,685.30 | 1,589.20 | 1,500.10 |
| Operating Expense | - | 964.20 | 867.80 | 863.40 | 742.80 |
| Selling General And Administration | - | 964.20 | 867.80 | 863.40 | 742.80 |
| Total Expenses | - | 3,590.60 | 3,539.50 | 3,483.90 | 3,293.40 |
| Operating Income | - | 884.90 | 817.50 | 725.80 | 757.30 |
| Total Operating Income As Reported | - | 884.90 | 817.50 | 725.80 | 757.30 |
| EBITDA | - | 1,293.40 | 1,034.70 | 917.50 | 934.10 |
| Normalized EBITDA | - | 1,045.10 | 1,016.70 | 917.50 | 934.10 |
| EBIT | - | 1,109.60 | 851.10 | 738.40 | 768.70 |
| Interest Income | - | 13.90 | 15.60 | 11.90 | 7.90 |
| Interest Expense | - | 101 | 105.30 | 119.80 | 143 |
| Net Interest Income | - | -87.10 | -89.70 | -107.90 | -135.10 |
| Other Non Operating Income Expenses | -131.50 | -37.50 | - | 0.70 | 3.50 |
| Other Income Expense | - | 210.80 | 18 | 0.70 | 3.50 |
| Interest Income Non Operating | - | 13.90 | 15.60 | 11.90 | 7.90 |
| Interest Expense Non Operating | - | 101 | 105.30 | 119.80 | 143 |
| Net Non Operating Interest Income Expense | - | -87.10 | -89.70 | -107.90 | -135.10 |
| Pretax Income | - | 1,008.60 | 745.80 | 618.60 | 625.70 |
| Tax Provision | - | 98 | 119.80 | -315.60 | 126.10 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 24.09 | 2.89 | 0 | 0 |
| Net Income Continuous Operations | - | 910.60 | 626 | 934.20 | 499.60 |
| Net Income From Continuing And Discontinued Operation | - | 910.60 | 626 | 934.20 | 499.60 |
| Net Income From Continuing Operation Net Minority Interest | - | 910.60 | 626 | 934.20 | 499.60 |
| Net Income | - | 910.60 | 626 | 934.20 | 499.60 |
| Net Income Common Stockholders | - | 910.60 | 626 | 934.20 | 499.60 |
| Net Income Including Noncontrolling Interests | - | 910.60 | 626 | 934.20 | 499.60 |
| Normalized Income | - | 686.39 | 610.89 | 934.20 | 499.60 |
| Diluted NI Availto Com Stockholders | - | 910.60 | 626 | 934.20 | 499.60 |
| Basic Average Shares | - | 387.20 | 370.80 | 340 | 326.60 |
| Diluted Average Shares | - | 388.40 | 371.80 | 341.10 | 327.60 |
| Reconciled Depreciation | - | 183.80 | 183.60 | 179.10 | 165.40 |
| Reconciled Cost Of Revenue | - | 2,626.40 | 2,671.70 | 2,620.50 | 2,550.60 |
| Total Unusual Items | - | 248.30 | 18 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | - | 248.30 | 18 | 0 | 0 |
| Special Income Charges | - | 248.30 | 18 | 0 | 0 |
| Gain On Sale Of Business | - | 248.30 | 18 | 0 | 0 |
| Earnings From Equity Interest | 47.90 | - | - | - | - |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| The Western Union Companythis co. | WU | $2.4B | 4.82↓ discount | 2.52 | 52.2% | 4.15 |
| Trustmark Corporation | TRMK | $2.6B | 11.51 | 1.22 | 10.6% | - |
| Customers Bancorp, Inc. | CUBI | $2.5B | 11.31 | 1.20 | 10.6% | - |
| SiriusPoint Ltd. | SPNT | $2.5B | 5.38 | 1.09 | 20.2% | - |
| First Bancorp | FBNC | $2.5B |
| - |
| - |
| - |
| - |
| - |
| - |
| 22.27 |
| 1.49 |
| 6.7% |
| - |
| NBT Bancorp Inc. | NBTB | $2.4B | 14.27 | 1.27 | 8.9% | - |
| Beacon Financial Corporation | BBT | $2.4B | 26.55 | 0.96 | 3.6% | - |
| The Bancorp, Inc. | TBBK | $2.2B | 9.77 | 3.23 | 33.1% | - |
| Banner Corporation | BANR | $2.2B | 11.23 | 1.13 | 10.0% | - |
| Peer Median | - | 11.41 | 1.21 | 10.3% | - | |