Filing Flows › Western Union (WU) › Q2 2025
Western Union (WU) Q2 2025 earnings results (second quarter 2025)
10-Q filed Jul 28, 2025
Western Union (WU) reported revenue of $1.0B for the second quarter 2025 (Q2 2025), -4% from a year earlier and +4% from the quarter before. Operating margin was 18.8%, net earnings $122M (11.9% of revenue).
Western Union, Q2 2025: revenue $1.0B (-4% year over year), operating margin 18.8%, net earnings $122M, operating cash flow −$300K. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.0B | +4% | -4% |
| Operating profit | $193M | +9% | +1% |
| Net earnings | $122M | -1% | -13% |
| Operating cash flow | −$300K | -100% | — |
What changed
Revenue was $1.0B in Q2 2025, down 4% year over year and up 4% from the previous quarter. Consumer Money Transfers was the largest line at 86% of revenue. Consumer Money Transfers lost $0.08B year over year (down 8%), 199% of the total change.
Operating profit was $0.19B, a 18.8% margin (up 0.9 points year over year). Total costs fell 5% while revenue fell 4%. Net earnings were $0.12B, down 13% year over year. The effective tax rate was 23.5%.
Operating cash flow was −$300K. Non-cash charges added back $0.04B of depreciation and amortization and $0.01B of share-based compensation. Working capital and other items used $0.17B. Capital expenditures of $0.01B exceeded it, leaving free cash flow of −$0.01B.
Questions
What was Western Union's revenue in the second quarter 2025?
Western Union (WU) reported revenue of $1.0B for the second quarter 2025 (Q2 2025), -4% from a year earlier and +4% from the quarter before.
Was Western Union profitable in the second quarter 2025?
Operating profit was $193M (18.8% of revenue) and net earnings $122M.
Source: Western Union 10-Q on SEC EDGAR.