The Western Union Company (NYSE:WU) announced its fourth-quarter and full-year 2025 results on Friday, revealing a business in the middle of a strategic tug-of-war.
While its aggressive "Beyond" digital strategy is yielding double-digit growth in new services, a persistent slowdown in its traditional retail business across the Americas continues to drag on the top line.
Western Union posted fourth-quarter revenue of $1 billion, a 5% decline on both a reported and adjusted basis.
This drop was largely attributed to cooling remittance volumes in North and Latin America, where shifting migration patterns and intense fintech competition have pressured its legacy agent network.
However, the company’s Consumer Services segment—which includes its expanding Travel Money and bill pay businesses—surged 26% on an adjusted basis, while its Branded Digital revenue grew 7%.
On the bottom line, fourth-quarter GAAP earnings fell to $0.36 per share from $1.13 in the prior year, though the comparison was skewed by a massive $0.75 one-time tax benefit in late 2024.
Stripping out these items, adjusted EPS rose to $0.45, beating the $0.43 analyst consensus.
For the full year, Western Union delivered adjusted EPS of $1.75, hitting the top end of its own guidance range.