In the latest trading session, Western Union (WU - Free Report) closed at $7.00, marking a -2.51% move from the previous day. The stock's change was less than the S&P 500's daily loss of 0.58%. Meanwhile, the Dow lost 1.18%, and the Nasdaq, a tech-heavy index, lost 0.32%.
The money transfer company's stock has climbed by 2.13% in the past month, exceeding the Business Services sector's loss of 1.01% and the S&P 500's loss of 0.36%.
Investors will be eagerly watching for the performance of Western Union in its upcoming earnings disclosure. In that report, analysts expect Western Union to post earnings of $0.35 per share. This would mark a year-over-year decline of 25.53%. Our most recent consensus estimate is calling for quarterly revenue of $1.05 billion, up 1.6% from the year-ago period.
Looking at the full year, the Zacks Consensus Estimates suggest analysts are expecting earnings of $1.29 per share and revenue of $4.13 billion. These totals would mark changes of -26.29% and +2.04%, respectively, from last year.
Any recent changes to analyst estimates for Western Union should also be noted by investors. Such recent modifications usually signify the changing landscape of near-term business trends. With this in mind, we can consider positive estimate revisions a sign of optimism about the business outlook.
Our research reveals that these estimate alterations are directly linked with the stock price performance in the near future. Investors can capitalize on this by using the Zacks Rank. This model considers these estimate changes and provides a simple, actionable rating system.
The Zacks Rank system, which ranges from #1 (Strong Buy) to #5 (Strong Sell), has an impressive outside-audited track record of outperformance, with #1 stocks generating an average annual return of +25% since 1988. Over the last 30 days, the Zacks Consensus EPS estimate has witnessed a 0.01% decrease. Western Union presently features a Zacks Rank of #5 (Strong Sell).
From a valuation perspective, Western Union is currently exchanging hands at a Forward P/E ratio of 5.56. This expresses a discount compared to the average Forward P/E of 13.56 of its industry.
The Financial Transaction Services industry is part of the Business Services sector. Currently, this industry holds a Zacks Industry Rank of 184, positioning it in the bottom 26% of all 250+ industries.
The Zacks Industry Rank gauges the strength of our individual industry groups by measuring the average Zacks Rank of the individual stocks within the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.
Be sure to use Zacks.com to monitor all these stock-influencing metrics, and more, throughout the forthcoming trading sessions.
Western Union spustila program Beyond Efficiency s cílem ušetřit 50 milionů USD v roce 2026 a 200 milionů USD do konce roku 2027. Ziskovost snižuje růst digitálních transakcí, zatímco provozní marže ve 2. čtvrtletí klesla na 15 % z 19 %.
Key Takeaways Western Union targets $50M in 2026 savings and $200M by the end of 2027.Digital growth is pressuring revenue and margins as transactions shift away from cash payouts.AI, lower payout costs and operational changes aim to support profitability and second-half results. The Western Union Company (WU - Free Report) is facing profitability pressure as its business shifts toward digital payments. In the second quarter of 2026, branded digital transactions grew 25%, but adjusted revenues increased only 6%. At the same time, adjusted operating margin fell to 15% from 19% a year ago. The shift from cash payouts to digital and account payouts is weighing on revenues and profit per transaction.
To address the profitability pressure, the Beyond Efficiency program targets $50 million in run-rate savings by year-end 2026 and $200 million by the end of 2027. The plan includes reducing discretionary operations and technology capacity by 20% and closing existing European digital wallets, which is expected to generate $6 million to $8 million in run-rate savings.
The company is using AI to automate work and align operations with local markets. For example, APAC agent onboarding is being moved from Lithuania and Costa Rica to Manila, which is expected to reduce unit labor costs while improving cost, quality and speed. Another focus is lowering the cost of moving money. In Colombia, it recently reduced a digital payout cost from more than $2 per transaction to less than $0.50 per transaction, which should boost contribution profit.
Execution of these steps is key to an earnings turnaround. New agent wins, a better revenue mix and the accelerated Beyond Efficiency program are expected to support stronger results. With full-year 2026 adjusted EPS guidance revised down to $1.25-$1.35, disciplined execution will be critical for WU to stabilize profitability and strengthen its long-term earnings trajectory.
How Are Competitors Faring?Some of WU’s competitors in the payments space include Euronet Worldwide, Inc. (EEFT - Free Report) and Remitly Global, Inc. (RELY - Free Report) .
Euronet operates across electronic payments, money transfers and financial services. Its diversified operations include Ria Money Transfer, a global ATM network and electronic point-of-sale processing. EEFT continues to invest in expanding its physical and digital payment infrastructure to support global transaction growth.
Remitly Global focuses on digital financial services, with cross-border remittances as its core business. Operating an asset-light, mobile-first model, RELY continues to expand its digital platform and customer reach while focusing on transaction growth and operating efficiency in the international money-movement market.
Western Union’s Price Performance, Valuation & EstimatesShares of WU have fallen 16% over the past year compared with the industry’s decline of 14.7%.
Image Source: Zacks Investment Research
From a valuation standpoint, Western Union trades at a forward price-to-earnings ratio of 5.02X, significantly down from the industry average of 18.84X. WU carries a Value Score of A.
Image Source: Zacks Investment Research
The Zacks Consensus Estimate for Western Union’s 2026 earnings is pegged at $1.29 per share, implying a 26.3% decline from the year-ago period.
Image Source: Zacks Investment Research
WU currently has a Zacks Rank #5 (Strong Sell).
You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Amundi boosted its stake in shares of The Western Union Company (NYSE:WU – Free Report) by 1,179.5% in the 1st quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 576,465 shares of the credit services provider’s stock after acquiring an additional 531,412 shares during the quarter. Amundi owned 0.18% of Western Union worth $5,033,000 at the end of the most recent reporting period.
A number of other large investors also recently bought and sold shares of the stock. Parvin Asset Management LLC grew its position in Western Union by 56.1% during the first quarter. Parvin Asset Management LLC now owns 16,625 shares of the credit services provider’s stock valued at $145,000 after buying an additional 5,975 shares during the period. EverSource Wealth Advisors LLC boosted its stake in shares of Western Union by 23.2% during the 1st quarter. EverSource Wealth Advisors LLC now owns 8,020 shares of the credit services provider’s stock worth $70,000 after acquiring an additional 1,509 shares in the last quarter. California State Teachers Retirement System boosted its stake in shares of Western Union by 18.3% during the 1st quarter. California State Teachers Retirement System now owns 383,223 shares of the credit services provider’s stock worth $3,346,000 after acquiring an additional 59,318 shares in the last quarter. Royal Bank of Canada grew its position in shares of Western Union by 28.5% during the 1st quarter. Royal Bank of Canada now owns 1,922,728 shares of the credit services provider’s stock valued at $16,785,000 after acquiring an additional 426,939 shares during the period. Finally, Empowered Funds LLC grew its position in shares of Western Union by 76.8% during the 1st quarter. Empowered Funds LLC now owns 57,621 shares of the credit services provider’s stock valued at $503,000 after acquiring an additional 25,030 shares during the period. 91.81% of the stock is owned by institutional investors and hedge funds.
Wall Street Analyst Weigh In A number of equities analysts recently weighed in on the company. Wolfe Research reaffirmed an “underperform” rating and issued a $8.00 price target on shares of Western Union in a report on Friday, July 31st. Cantor Fitzgerald cut their price objective on Western Union from $8.00 to $7.00 and set an “underweight” rating for the company in a research report on Monday. JPMorgan Chase & Co. reduced their target price on Western Union from $9.00 to $8.00 and set an “underweight” rating for the company in a research note on Monday, July 13th. Weiss Ratings upgraded Western Union from a “sell (d+)” rating to a “hold (c-)” rating in a research report on Monday. Finally, Barclays dropped their price target on shares of Western Union from $7.00 to $6.00 and set an “underweight” rating on the stock in a research note on Friday, July 31st. Seven research analysts have rated the stock with a Hold rating and six have issued a Sell rating to the company. According to data from MarketBeat.com, Western Union has a consensus rating of “Reduce” and an average price target of $7.55.
Check Out Our Latest Research Report on WU
Western Union Stock Performance NYSE WU opened at $7.23 on Thursday. The company has a debt-to-equity ratio of 2.95, a current ratio of 1.12 and a quick ratio of 1.12. The stock’s 50 day simple moving average is $7.72 and its 200-day simple moving average is $8.69. The company has a market cap of $2.26 billion, a PE ratio of 5.88, a price-to-earnings-growth ratio of 1.26 and a beta of 0.47. The Western Union Company has a 1-year low of $6.27 and a 1-year high of $10.35.
Western Union (NYSE:WU – Get Free Report) last posted its quarterly earnings data on Thursday, July 30th. The credit services provider reported $0.31 EPS for the quarter, missing the consensus estimate of $0.42 by ($0.11). The firm had revenue of $1.01 billion during the quarter, compared to analyst estimates of $1.02 billion. Western Union had a net margin of 9.79% and a return on equity of 50.89%. The firm’s revenue for the quarter was down 1.3% compared to the same quarter last year. During the same period in the prior year, the company posted $0.37 earnings per share. Western Union has set its FY 2026 guidance at 1.250-1.350 EPS. As a group, equities research analysts anticipate that The Western Union Company will post 1.29 EPS for the current fiscal year.
Western Union Announces Dividend The business also recently announced a quarterly dividend, which will be paid on Wednesday, September 30th. Stockholders of record on Wednesday, September 16th will be issued a dividend of $0.235 per share. This represents a $0.94 annualized dividend and a dividend yield of 13.0%. The ex-dividend date is Wednesday, September 16th. Western Union’s payout ratio is currently 76.42%.
Western Union Profile (Free Report)
Western Union Company (NYSE: WU) is a global leader in cross-border, cross-currency money movement and payments. The company enables individuals and businesses to send and receive money through a variety of channels, including its vast agent network, online platforms, and mobile applications. Core services include person-to-person money transfers, business-to-business cross-border payments, bill payment services and prepaid card programs.
Through its digital offerings, Western Union provides customers with the ability to initiate transfers via its website and mobile app, as well as track transactions in real time.
Further Reading Five stocks we like better than Western Union SpaceX: Love the Company, But the Stock Is a Harder Call Ulta’s Growth Is Real, But So Are the Risks BWX Technologies Is Turning the AI Power Problem Into a Nuclear Growth Story Meta’s Earnings Drop Shows Wall Street Wants More Than Ad Growth Want to see what other hedge funds are holding WU? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for The Western Union Company (NYSE:WU – Free Report).
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Western Union a Rain spustily Stablecard, která umožňuje držet USDPT a platit u obchodníků i bankomatů v síti Visa. Služba běží ve 37 trzích a do konce roku má být ve více než 60.
Western Union and global stablecoin platform Rain launched a stablecoin-based solution designed to enable users to hold dollar value, protect their money in markets where currencies frequently fluctuate, and spend that value at any Visa merchant or ATM, online or in store.
The new Stablecard by Western Union combines a digital USDPT wallet and a Visa card in a single experience, Western Union said in a Tuesday (Aug. 4) press release.
With Stablecard, users can receive funds and store value in USDPT, which is a U.S. dollar stablecoin issued by Anchorage Digital on the Solana blockchain, in a digital wallet and use a USDPT-backed Visa secured credit card to spend anywhere Visa is accepted, according to the release.
Western Union launched Stablecard in 37 markets, including key markets where local currency is not stable and there is already demand for stablecoins. The company plans to offer Stablecard in more than 60 markets by the end of the year, per the release.
The Stablecard mobile app is available in the Apple App Store and Google Play.
Western Union President and CEO Devin McGranahan said in the release that Stablecard furthers the company’s efforts to make global financial services more accessible.
“By combining the stability of a dollar-backed digital asset with the scale of Western Union’s global network and Visa’s acceptance footprint, we’re giving consumers a new way to hold value, move money and spend confidently across borders,” McGranahan said.
Rain CEO and Co-Founder Farooq Malik said in the release that Western Union is making stablecoin efficiency accessible to people who have never thought about on-chain money.
“With Rain’s enterprise infrastructure underneath both the wallet and card, users enjoy a modern experience that just works with all of the compliance and protections built in,” Malik said.
Western Union executives said during a Thursday (July 30) earnings call that the company is sharpening its focus on digital and artificial intelligence.
In April, as Western Union was preparing to launch USDPT, the company said the stablecoin would provide customers with a bridge between fiat and crypto, digital payment access for those who are unbanked, global accessibility, U.S. dollar price stability and 24/7 availability.
Meanwhile, Rain announced in January that it raised $250 million in a Series C funding round to scale its infrastructure for stablecoin payments and add new capabilities and products.
In May 2025, Rain joined Visa’s pilot program for stablecoin settlement. The company said that by fully tokenizing its credit card receivables and transitioning all settlement transactions for its Visa cards to USDC, it can settle with Visa seven days a week, 365 days a year.
While stablecoins are often framed as a new front-end payment method, their core unlock is actually around merging money movement and reconciliation into a single digital packet, Malik told PYMNTS CEO Karen Webster in an interview posted in September.
Western Union oznámila za 2. čtvrtletí výnosy 1 miliardu USD a upravený zisk na akcii (EPS) 0,31 USD, oba pod očekáváním. Firma zároveň snížila celoroční výhled upravených výnosů na růst 4 % až 6 % i EPS na 1,25 až 1,35 USD.
Old Money, New Tech: Western Union's Crypto RebootWestern Union NYSE: WU reported second-quarter 2026 revenue of $1 billion, with adjusted revenue declining 1% from a year earlier, as continued weakness in Americas retail money transfers and a shift toward lower-profit digital payout transactions weighed on results.
Adjusted earnings per share were $0.31, down from $0.42 in the prior-year quarter and below the company’s expectations. Chief Executive Officer Devin McGranahan said the result reflected lower profitability in the Americas retail business, lower profitability in the Middle East, higher agent commissions and continued migration from cash payouts to digital account and wallet payouts.
Get Western Union alerts:
5 best fintech stocks to buy now“Our financial results in this quarter came in below our expectations for the second quarter in a row,” McGranahan said. “This is not acceptable, we are not satisfied with the current operating performance and will be implementing significant changes as a result.”
Transaction Growth Improves, but Mix Pressures Margins Consumer Money Transfer transactions increased 3% year over year, marking the company’s highest transaction growth rate since the second quarter of 2024. McGranahan said the result was a 300-basis-point improvement from the first quarter and a 600-basis-point improvement from the prior year.
However, the growth came disproportionately from lower-contribution-profit channels. The company said cash payouts generally generate higher revenue per transaction and contribution profit per transaction than digital payout transactions. Western Union has also seen rapid growth in digital payout-to-account and payout-to-wallet activity, which management said has created margin headwinds.
Account payout transactions grew 50% during the quarter, while CEO McGranahan said payout-to-account and payout-to-wallet transactions have increased 25% over the past 12 months. He cited Colombia as an example of the changing mix, where remittance volumes have shifted from cash payouts toward bank accounts, the Nequi wallet and the country’s Bre-B real-time payments system.
Chief Financial Officer Matt Cagwin said retail money transfers in the U.S. remained under pressure because immigration policy has reduced new migration, which management described as a key source of new retail customers. U.S. retail transactions remained down in the mid-teens during the quarter, though U.S.-to-Mexico transaction declines improved to slightly more than 3%.
Management said policy-related impacts have stabilized in some corridors and improved from the lows of 2025, but have not eased as much as the company expected at the beginning of the year.
Digital and Consumer Services Growth Continue Western Union’s Branded Digital business recorded 25% transaction growth and 6% adjusted revenue growth in the second quarter. The company said much of that growth was driven by partnerships in the Middle East, where transaction volumes have expanded but revenue per transaction and profitability are lower than in its traditional licensed operations.
McGranahan said the company has started to pull back on certain promotional offers in the U.S. and Europe after determining that aggressive customer incentives were not delivering acceptable longer-term returns. He said new-customer growth has recently improved at higher revenue per transaction levels.
The company is also accelerating deployment of its Beyond Digital platform, with planned launches in Australia, Europe and the U.S. before year-end. Western Union expects the platform to improve onboarding and customer acquisition returns, and continues to target deployment across major markets by the end of 2027.
Consumer Services adjusted revenue rose 12%, supported by Bill Pay, Travel Money and check-cashing contributions. Consumer Services represented 15% of total revenue during the quarter, compared with 6% in 2022, according to Cagwin. Segment profitability declined, however, due to lower Travel Money operating profit, lower float income in Retail Money Order and delayed overhead reductions tied to a check-cashing acquisition.
Beyond Efficiency Program Targets $200 Million Run Rate Western Union launched a cost-reduction initiative called Beyond Efficiency, targeting $50 million in run-rate operating cost reductions by the end of 2026 and $200 million by the end of 2027. The program includes reducing redundant work, cutting discretionary operations and technology capacity by 20%, expanding automation and artificial intelligence use, localizing certain operating functions and reducing the costs of moving money.
Among the actions, the company plans to close its existing digital wallets in Europe, which management said should save $6 million to $8 million on a run-rate basis. Western Union expects to replace those wallets with its Beyond Digital platform by the end of the year.
Management also said it is pursuing lower digital payout costs. McGranahan said the company recently reduced the payout cost for transactions to Colombia’s Nequi wallet from more than $2 to less than $0.50.
Digital Asset Initiatives and Updated Outlook Western Union said it launched its USDPT U.S. dollar stablecoin in May and has made it available through four exchanges. The company is testing USDPT with counterparties for settlement of cross-border money transfers and has introduced a Treasury Bridge solution intended to improve liquidity movement and settlement speed.
The company also launched its Digital Asset Network, designed to connect exchanges and digital-asset partners to Western Union’s payout infrastructure. McGranahan said the first partner is live, with several additional launches expected in coming weeks. Western Union also launched its USDPT Stablecard.
For 2026, Western Union now expects adjusted revenue growth of 4% to 6%, including the planned Intermex acquisition and assuming a Sept. 1 close. The company expects adjusted EPS of $1.25 to $1.35 for the year, with second-half earnings anticipated to exceed first-half earnings due to new agent wins, seasonality, improved revenue mix and efficiency actions.
Western Union generated $214 million in year-to-date operating cash flow, up 45% from the prior year, and ended the quarter with $920 million of cash and cash equivalents and $2.7 billion of debt. The company returned more than $80 million to shareholders through dividends and repurchases during the quarter, but said it has paused buybacks to maintain targeted leverage levels while awaiting the Intermex transaction.
About Western Union (NYSE:WU)Western Union Company NYSE: WU is a global leader in cross-border, cross-currency money movement and payments. The company enables individuals and businesses to send and receive money through a variety of channels, including its vast agent network, online platforms, and mobile applications. Core services include person-to-person money transfers, business-to-business cross-border payments, bill payment services and prepaid card programs.
Through its digital offerings, Western Union provides customers with the ability to initiate transfers via its website and mobile app, as well as track transactions in real time.
This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].
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Western Union (WU - Free Report) reported $1.01 billion in revenue for the quarter ended June 2026, representing a year-over-year decline of 1.3%. EPS of $0.31 for the same period compares to $0.42 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $1.01 billion, representing a surprise of +0.59%. The company delivered an EPS surprise of -27.91%, with the consensus EPS estimate being $0.43.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Western Union performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Consumer Money Transfer transactions - Total: 73.5 million compared to the 72.29 million average estimate based on four analysts.Consumer Money Transfer - Cross-border principal: 27.2 billion versus the two-analyst average estimate of 27.29 billion.Revenue- Consumer Services: $147.1 million versus $154.74 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +4.3% change.Revenue- Consumer Money Transfer: $866.1 million compared to the $852.19 million average estimate based on five analysts. The reported number represents a change of -2.1% year over year.Segment Operating Income (Loss)- Consumer Services: $23.3 million versus $40.82 million estimated by two analysts on average.Segment Operating Income (Loss)- Consumer Money Transfer: $125.7 million versus $145.48 million estimated by two analysts on average.View all Key Company Metrics for Western Union here>>>
Shares of Western Union have returned +3.1% over the past month versus the Zacks S&P 500 composite's -1.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
Western Union zveřejní výsledky za 2. čtvrtletí 2026 a výhled na celý rok 2026. Na konferenčním hovoru vystoupí CEO Devin McGranahan a CFO Matthew Cagwin.
The Western Union Company (WU) Q2 2026 Earnings Call July 30, 2026 4:30 PM EDT
Company Participants
Tom Hadley - Head of Investor Relations
Devin McGranahan - President, CEO & Director
Matthew Cagwin - Executive VP & CFO
Conference Call Participants
Tien-Tsin Huang - JPMorgan Chase & Co, Research Division
William Nance - Goldman Sachs Group, Inc., Research Division
Rayna Kumar - Oppenheimer & Co. Inc., Research Division
Darrin Peller - Wolfe Research, LLC
Christopher Svensson - Deutsche Bank AG, Research Division
Timothy Chiodo - UBS Investment Bank, Research Division
Vasundhara Govil - Keefe, Bruyette, & Woods, Inc., Research Division
Presentation
Operator
Good day, and welcome to the Western Union Second Quarter 2026 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.
Tom Hadley
Head of Investor Relations
Thank you. On today's call, we will discuss the company's second quarter and our 2026 full year 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 for additional information concerning factors that could cause actual results to differ materially from the forward-looking statements.
During the call, we will discuss some items that do not conform to generally accepted accounting principles. Where possible, we have reconciled those items
Western Union Digital Bank ukončuje provoz a všechny účty zavře dva měsíce po doručení oznámení o uzavření. Zákazníci dál mohou používat služby peněžních převodů Western Union.
Western Union Digital Bank is being discontinued, is ending its services and will close all accounts two months after users have received their closure notice, the service’s operator, Western Union International Bank, said in a legal notice on its German website.
“We regularly review our products and services,” the bank said in the legal notice. “Following one of these reviews, we decided to discontinue Western Union Digital Bank.”
Western Union International Bank is an independent agent within the Western Union money transfer network; is headquartered in Vienna, Austria; and is regulated by the Austrian Financial Market Authority (FMA), according to its About Us page.
It was founded in 2004 as part of the Western Union Group, according to another page.
The FMA said in a July 14 announcement that it imposed a 42,000 euro (about $47,900) fine on Western Union International Bank for breaches of the reporting obligations of the digital operational resilience in the financial sector (DORA) rules. The bank delayed reporting information and communication technology-related incidents (ICT-related incidents), according to the announcement.
DORA took effect in January 2025 and imposed stricter regulations on banks and their IT providers across the European Union, requiring enhanced IT risk management, resilience testing and third-party risk oversight, PYMNTS reported at the time.
On Western Union Digital Bank’s account closure date, users will no longer have access to the Western Union Digital Bank app, the debit card linked to their accounts will be deactivated, and users will receive a confirmation notice when the account is closed, according to the legal notice.
The notice advised users to withdraw or transfer any remaining money from their account; provide alternative banking details to anyone that uses their Western Union Digital Banking IBAN; download and save any records they’d like to keep; and cancel their Premium subscription, if they have one.
Customers will still be able to use Western Union money transfer services through the Western Union website or app, as those services are separate from Western Union Digital Bank, per the legal notice.
“Any funds remaining in your account after closure will be handled in accordance with applicable laws, regulations and the General Terms and Conditions governing your account,” the legal notice said.
In its upcoming report, Western Union (WU - Free Report) is predicted by Wall Street analysts to post quarterly earnings of $0.43 per share, reflecting an increase of 2.4% compared to the same period last year. Revenues are forecasted to be $1.01 billion, representing a year-over-year decrease of 1.8%.
The consensus EPS estimate for the quarter has undergone a downward revision of 2.7% in the past 30 days, bringing it to its present level. This represents how the covering analysts, as a whole, have reassessed their initial estimates during this timeframe.
Ahead of a company's earnings disclosure, it is crucial to give due consideration to changes in earnings estimates. These revisions serve as a noteworthy factor in predicting potential investor reactions to the stock. Numerous empirical studies consistently demonstrate a strong relationship between trends in earnings estimate revision and the short-term price performance of a stock.
While investors typically use consensus earnings and revenue estimates as indicators of quarterly business performance, exploring analysts' projections for specific key metrics can offer valuable insights.
Given this perspective, it's time to examine the average forecasts of specific Western Union metrics that are routinely monitored and predicted by Wall Street analysts.
Analysts' assessment points toward 'Revenue- Consumer Services' reaching $154.74 million. The estimate indicates a change of +9.7% from the prior-year quarter.
The consensus among analysts is that 'Revenue- Consumer Money Transfer' will reach $852.19 million. The estimate suggests a change of -3.7% year over year.
Analysts expect 'Consumer Money Transfer transactions - Total' to come in at 72.29 million. Compared to the current estimate, the company reported 71.40 million in the same quarter of the previous year.
It is projected by analysts that the 'Consumer Money Transfer - Cross-border principal' will reach 27.29 billion. Compared to the current estimate, the company reported 26.70 billion in the same quarter of the previous year.
The average prediction of analysts places 'Segment Operating Income (Loss)- Consumer Services' at $40.82 million. Compared to the present estimate, the company reported $31.60 million in the same quarter last year.
The combined assessment of analysts suggests that 'Segment Operating Income (Loss)- Consumer Money Transfer' will likely reach $145.48 million. Compared to the current estimate, the company reported $167.70 million in the same quarter of the previous year.
View all Key Company Metrics for Western Union here>>>
Shares of Western Union have demonstrated returns of +7.1% over the past month compared to the Zacks S&P 500 composite's +1.7% change. With a Zacks Rank #3 (Hold), WU is expected to mirror the overall market performance in the near future. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>> .
The market expects Western Union (WU - Free Report) to deliver a year-over-year increase in earnings on lower revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.
The earnings report, which is expected to be released on July 30, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower.
While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise.
Zacks Consensus EstimateThis money transfer company is expected to post quarterly earnings of $0.43 per share in its upcoming report, which represents a year-over-year change of +2.4%.
Revenues are expected to be $1.01 billion, down 1.8% from the year-ago quarter.
Estimate Revisions TrendThe consensus EPS estimate for the quarter has been revised 2.67% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period.
Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change.
Price, Consensus and EPS Surprise
Earnings WhisperEstimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction).
The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.
Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only.
A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP.
Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell).
How Have the Numbers Shaped Up for Western Union?For Western Union, the Most Accurate Estimate is lower than the Zacks Consensus Estimate, suggesting that analysts have recently become bearish on the company's earnings prospects. This has resulted in an Earnings ESP of -6.50%.
On the other hand, the stock currently carries a Zacks Rank of #3.
So, this combination makes it difficult to conclusively predict that Western Union will beat the consensus EPS estimate.
Does Earnings Surprise History Hold Any Clue?Analysts often consider to what extent a company has been able to match consensus estimates in the past while calculating their estimates for its future earnings. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number.
For the last reported quarter, it was expected that Western Union would post earnings of $0.4 per share when it actually produced earnings of $0.25, delivering a surprise of -37.50%.
Over the last four quarters, the company has beaten consensus EPS estimates two times.
Bottom LineAn earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss.
That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.
Western Union doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release.
Expected Results of an Industry PlayerPaypal (PYPL - Free Report) , another stock in the Zacks Financial Transaction Services industry, is expected to report earnings per share of $1.28 for the quarter ended June 2026. This estimate points to a year-over-year change of -8.6%. Revenues for the quarter are expected to be $8.51 billion, up 2.7% from the year-ago quarter.
Over the last 30 days, the consensus EPS estimate for Paypal has been revised 0.2% down to the current level. Nevertheless, the company now has an Earnings ESP of -0.02%, reflecting a lower Most Accurate Estimate.
This Earnings ESP, combined with its Zacks Rank #3 (Hold), makes it difficult to conclusively predict that Paypal will beat the consensus EPS estimate. Over the last four quarters, the company surpassed consensus EPS estimates three times.
Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.
Total Wireless uzavřel partnerství s Western Union a jako první v USA přidává do vybraných tarifů jednu bezplatnou měsíční službu převodu peněz. Benefit platí pro plány MAX 5G BYO, MAX 5G a ALL ACCESS.
NUEVA YORK Y DENVER, June 25, 2026 (GLOBE NEWSWIRE) -- Total Wireless, proveedor de servicios inalámbricos de rápido crecimiento y sin contrato, impulsado por la red 5G de Verizon. Hoy, anunció una asociación oficial con Western Union para ofrecer, por primera vez en la industria, un beneficio de transferencias de dinero para sus clientes moviles. A partir de hoy, los clientes con los planes Total Wireless MAX 5G BYO, MAX 5G y ALL ACCESS recibirán una transferencia de dinero mensual sin costo. Con la posibilidad de enviar fondos a más de 200 países y territorios a través de la red global de Western Union, los clientes pueden mantenerse conectados de más de una manera.
Esta asociación establece un hito en la industria. Total Wireless es hoy el único proveedor inalámbrico en Estados Unidos que ofrece una transferencia de dinero mensual como parte de sus planes. El beneficio cubre la tarifa de la transacción, brindando valor real a la base de clientes de ambas marcas. Es también un nuevo capítulo para las telecomunicaciones, construido en torno a las realidades financieras de las comunidades que históricamente han sido desatendidas.
Diseñado para la manera en que los clientes se mantienen conectados
Millones de personas en los Estados Unidos envían dinero al exterior cada año, con un promedio de más de 12 transacciones anuales. Con Total Wireless, las familias ahorran en comisiones de transferencia para que cada dólar llegue más lejos.
Para millones de familias, enviar dinero a casa es una de las formas más profundas de cuidar a los suyos. Total Wireless fue creado para ofrecer conectividad de primer nivel con beneficios que reflejan cómo sus clientes viven y se apoyan entre sí.
"Total Wireless fue creado con la convicción de que un buen plan inalámbrico debe hacer más por sus clientes", dijo David Kim, presidente de Verizon Value. "Incorporar una transferencia de dinero de Western Union en nuestros planes refleja algo en lo que creemos profundamente: nadie debería tener que elegir entre estar conectado y cuidar a los suyos. Estamos orgullosos de ser los primeros en construir pensando en eso".
Cómo funciona
Para los clientes con los planes Total Wireless MAX 5G BYO, MAX 5G y ALL ACCESS, la posibilidad de enviar dinero a casa está integrada directamente en su plan. Estos planes van desde $25 al mes (MAX 5G BYO para clientes que traen su propio dispositivo) hasta $60 al mes (ALL ACCESS) con pago automático. Cada uno incluye funciones de primer nivel como datos 5G ilimitados, hotspot ilimitado y llamadas y mensajes de texto internacionales ilimitados a más de 200 países. Todo esto con una garantía de precio de cinco años que incluye impuestos y cargos.
El beneficio de Western Union ofrece una razón más para elegir un plan diseñado para mantenerse conectado con las personas que más importan:
Una transferencia de dinero mensual gratuita, sin cargo: sin comisión de transacción disponible de forma integrada como parte de los planes premium seleccionados.Fácil acceso: disponible en línea en westernunion.com o a través de la aplicación de Western Union.Alcance global: envía dinero a familiares y amigos en más de 200 países y territorios.Red de confianza: más de 360,000 ubicaciones de pago de Western Union, con entrega a cuentas bancarias, billeteras digitales y tarjetas, garantizan una entrega rápida y confiable a destinatarios en todo el mundo. "Sabemos lo mucho que significa enviar dinero a casa. Diseñamos estos planes para asegurarnos de que, al menos una vez al mes, corra por nuestra cuenta", dijo Kim.
Alianza con Western Union
La alianza va más allá del beneficio del plan, uniendo a dos marcas que sirven a comunidades que dependen de una conectividad asequible con sus seres queridos a través de las fronteras. Western Union co-promocionará Total Wireless a través de sus propios canales de comunicación con los clientes, incluyendo la aplicación de Western Union, comunicaciones por correo electrónico, redes sociales y pantallas digitales en tiendas.
"Durante generaciones, Western Union ha ayudado a las personas a mover dinero a través de las fronteras porque entendemos lo que representa cada transferencia: no solo dólares, sino nuestra misión de hacer que los servicios financieros sean accesibles para todos", dijo Jesse Mory, vicepresidente sénior de Alianzas Estratégicas de Western Union. "Al asociarnos con Total Wireless, facilitamos que los clientes apoyen a quienes dependen de ellos, convirtiendo un plan inalámbrico de todos los días en una forma más significativa de mantenerse conectados, cuidar a sus seres queridos y mover dinero con confianza".
Acerca de Total Wireless
Total Wireless es un proveedor inalámbrico de rápido crecimiento, sin contrato, respaldado por la red 5G de Verizon, con 2,000 tiendas exclusivas en todo el país. Con la misión de elevar el estándar en telefonía prepagada, Total Wireless ofrece más valor que cualquier otro proveedor sin contrato, con planes que incluyen datos ilimitados y acceso a la red Verizon 5G Ultra-Wideband, precios garantizados por cinco años (impuestos y cargos incluidos), teléfonos 5G gratuitos seleccionados con planes de compra calificados, y más. Una marca comprometida con la comunidad, Total Wireless se enorgullece de apoyar vecindarios en todo el país a través de su programa Total Spark, que otorga subvenciones a organizaciones sin fines de lucro locales para apoyar a estudiantes trabajadores. Total Wireless es parte del portafolio de marcas prepagadas de Verizon Value, que incluye Straight Talk, Visible, Tracfone, Simple Mobile, SafeLink, Walmart Family Mobile y Verizon Prepaid.
Acerca de Western Union
The Western Union Company (NYSE: WU) está comprometida a ayudar a personas en todo el mundo que aspiran a construir un futuro financiero para sí mismas, sus seres queridos y sus comunidades. Nuestros servicios líderes de transferencia de dinero transfronteriza y entre divisas, pagos y servicios financieros digitales empoderan a consumidores, empresas, instituciones financieras y gobiernos en más de 200 países y territorios y en casi 130 monedas, para conectarse con miles de millones de cuentas bancarias, millones de billeteras digitales y tarjetas, y una red global de cientos de miles de puntos de venta minoristas. Nuestro objetivo es ofrecer servicios financieros accesibles que ayuden a las personas y comunidades a prosperar. Para más información, visita www.westernunion.com.
Una foto asociada con este comunicado de prensa está disponible en: https://www.globenewswire.com/NewsRoom/AttachmentNg/d06fdb7b-5b04-4d42-bdc5-d107e17c006b/es
Total Wireless se convierte en el primer operador de EE. UU. en incluir transferencias de dinero de ... Total Wireless se convierte en el primer operador de EE. UU. en incluir transferencias de dinero de ...
