Overview

• Money transfer firm's Q4 revenue fell 5%, missing analyst expectations

• Adjusted EPS for Q4 beat analyst expectations

• Company expanded Consumer Services and Branded Digital segments despite Americas retail slowdown

Outlook

• Western Union expects 2026 revenue growth of 5% to 8% on a GAAP basis

• Company projects 2026 adjusted EPS between $1.75 and $1.85

• Western Union anticipates Intermex deal to close in Q2 2026

Result Drivers

• CONSUMER SERVICES EXPANSION - Co reported 15% growth in Consumer Services revenue, driven by Travel Money business expansion and Eurochange Limited acquisition

• BRANDED DIGITAL GROWTH - Branded Digital revenue increased 7% with transaction growth of 13%

• AMERICAS RETAIL SLOWDOWN - Revenue decline attributed to slowdown in Americas retail business

Key Details

Metric	Beat/Miss	Actual	Consensus Estimate
Q4 Revenue	Miss	$1 bln	$1.04 bln (13 Analysts)
Q4 Adjusted EPS	Beat	$0.45	$0.43 (15 Analysts)
Q4 EPS		$0.36

Analyst Coverage

• The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 1 "strong buy" or "buy", 11 "hold" and 6 "sell" or "strong sell"

• The average consensus recommendation for the business support services peer group is "buy."

• Wall Street's median 12-month price target for Western Union Co is $10.00, about 5.9% above its February 19 closing price of $9.44

• The stock recently traded at 5 times the next 12-month earnings vs. a P/E of 5 three months ago

Press Release: ID:nBw51VqWxa

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