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Western Union (WU) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Western Union (WU) Q3 2026 earnings results →
Q3 2026 Revenue down 2% year over year to $1.0B · 8¢ of every $1 of revenue kept as net profit · operating margin 13.0%
Western Union made $1.0B in Q3 2026 (-2% Y/Y): Consumer Money Transfers $857M, Consumer Services $152M. Operating margin 13.0%, net earnings $78.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $1.0B in Q3 2026, down 2% year over year and roughly flat from the previous quarter. Consumer Money Transfers was the largest line at 85% of revenue. Consumer Money Transfers lost $0.02B year over year (down 2%), 89% of the total change.
Operating profit was $0.13B, a 13.0% margin (down 6.6 points year over year). Total costs grew 6% against a revenue fall of 2%. The fastest-growing cost line was SG&A (+13%). Net earnings were $0.08B, down 44% year over year. The effective tax rate was 18.8%.
Operating cash flow was $0.11B (down 59% year over year), 138% of net earnings. Non-cash charges added back $0.05B of depreciation and amortization and $0.01B of share-based compensation. Working capital and other items used $0.03B. Capital expenditures of $0.01B left free cash flow of $0.10B.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $1.0B | -2% | 13.0% | $78.0M | $107M |
| Q2 2026 | 10-Q | Jul 30, 2026 | $1.0B | -1% | 13.0% | $76.7M | $105M |
| Q1 2026 | 10-Q | Apr 24, 2026 | $983M | -0.1% | 12.5% | $64.7M | $109M |
| Q4 2025 | 10-K | Feb 20, 2026 | $1.0B | -5% | 18.4% | $114M | $135M |
| Q3 2025 | 10-Q | Oct 27, 2025 | $1.0B | -0.3% | 19.6% | $140M | $260M |
| Q2 2025 | 10-Q | Jul 28, 2025 | $1.0B | -4% | 18.8% | $122M | −$300K |
| Q1 2025 | 10-Q | Apr 23, 2025 | $984M | -6% | 18.0% | $124M | $148M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Western Union
The Western Union Company (NYSE: WU) is committed to helping people around the world who aspire to build financial futures for themselves, their loved ones and their communities. Our leading cross-border, cross-currency money movement, payments and digital financial services empower consumers, businesses, financial institutions and governments—across more than 200 countries and territories and nearly 130 currencies—to connect with billions of bank accounts, millions of digital wallets and cards, and a global footprint of hundreds of thousands of retail locations. Our goal is to offer accessible financial services that help people and communities prosper. For more information, visit www.westernunion.com .
In its own words, from its 8-K, filed Jul 30, 2026.
Western Union against its Services-Business Services, NEC peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -2% against the peers' median +10%. Operating margin: 13.0% against the peers' median 13.0%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| WU Western Union | Q3 2026 | $1.0B | -2% | 13.0% |
| ACN Accenture | Q4 FY26 | $18.7B | +6% | 15.3% |
| UBER Uber Technologies | Q3 2026 | $14.8B | +10% | 9.8% |
| V Visa | Q4 FY26 | $12.1B | +13% | 59.8% |
| MELI MercadoLibre | Q3 2026 | $10.8B | +45% | 6.3% |
| MA Mastercard | Q3 2026 | $9.8B | +14% | 59.8% |
| PYPL PayPal Holdings | Q3 2026 | $8.6B | +2% | 16.3% |
| FISV Fiserv | Q3 2026 | $5.2B | -1% | -105.7% |
| DASH DoorDash | Q3 2026 | $4.6B | +34% | 9.6% |
Source: Western Union 10-Q on SEC EDGAR · CIK 1365135 · Services-Business Services, NEC
13F: who owns WU and who is buying
More on WU
- How Western Union makes money: revenue by segment
- Western Union next earnings date and what analysts expect
- Western Union stock forecast, price target and fair value
- Who owns Western Union stock: holders, funds and Congress trades
- Western Union guidance and outlook
- Is Western Union a takeover target? LBO and rumors
- Western Union recalls, complaints and regulation
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results
- Western Union guidance history: guided vs reported
- Western Union operating margin by quarter
- Western Union net income by quarter
- Western Union free cash flow by quarter
- Western Union capital expenditures by quarter
- Western Union Consumer Money Transfers revenue by quarter
- Western Union Consumer Services revenue by quarter