The Western Union Company Q4 2025 Earnings Call Summary

Moby Intelligence

Fri, February 20, 2026 astatine 11:32 AM CST 3 min read

• Performance was driven by a 26% surge successful Consumer Services, specifically question wealth and measure payments, which helped offset a 9% diminution successful adjusted gross from the Consumer Money Transfer segment.

• Management attributes retail headwinds successful The Americas to shifting geopolitical environments and migration argumentation changes, though transaction maturation rates successful the U.S.-Mexico corridor improved by hundreds of ground points comparative to Q3.

• The institution is transitioning from a axenic remittance supplier to a 'retail-enabled user services company,' leveraging its planetary marque to motorboat non-correlated products similar the Vigo Money Wallet and prepaid cards.

• Strategic positioning successful The Middle East via integer partnerships with 'super apps' drove a 13% summation successful branded integer transactions, contempt little gross per transaction owed to the account-to-account mix.

• The caller 'Beyond' exertion level enabled the flawless implementation of the U.S. retail remittance taxation crossed each channels, portion besides accelerating the displacement toward integer backing astatine retail points of sale.

• Management highlighted a instrumentality to cause growth, citing the re-signing of Deutsche Post and a caller exclusive triumph with Canada Post arsenic grounds of their modernized retail worth proposition.

• The 2026 gross maturation guidance of 6% to 9% assumes the Intermex acquisition closes successful Q2 and contributes to a ramp-up successful show passim the year.

• Management expects the question wealth concern to attack $150,000,000 successful gross successful 2026, targeting a fragmented planetary marketplace wherever anterior ample players person retreated.

• The integer plus strategy includes the marketplace motorboat of a U.S. Dollar outgo token (USDPT) by the mediate of this twelvemonth to amended superior ratio and shorten colony windows.

• A 'stable card' motorboat successful implicit a twelve countries is planned for aboriginal successful 2026, allowing customers to clasp U.S. dollar-denominated assets to hedge against section currency devaluation.

• The institution aims to person each planetary markets migrated to the 'Beyond' infrastructure by 2027 to present a unified digital-first lawsuit experience.

• The U.S. remittance taxation connected cash-based transfers has accelerated a displacement to debit paper funding, which reached 15% of U.S. retail backing successful January.

• Geopolitical shifts successful Chile and Venezuela are being intimately monitored arsenic they make a dynamic and perpetually changing situation for quality superior mobility.

• The Intermex acquisition is expected to supply $0.10 successful EPS accretion by 2027 erstwhile afloat integration and synergies are realized.

• Management flagged a flattening of integer lawsuit acquisition trends extracurricular The Middle East, necessitating a displacement successful selling strategy to vie with assertive 'new customer' offers from integer natives.