Filing Flows › Western Union (WU) › Q3 2025
Western Union (WU) Q3 2025 earnings results (third quarter 2025)
10-Q filed Oct 27, 2025
Western Union (WU) reported revenue of $1.0B for the third quarter 2025 (Q3 2025), -0.3% from a year earlier and +0.6% from the quarter before. Operating margin was 19.6%, net earnings $140M (13.5% of revenue).
Western Union, Q3 2025: revenue $1.0B (-0.3% year over year), operating margin 19.6%, net earnings $140M, operating cash flow $260M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.0B | +0.6% | -0.3% |
| Operating profit | $202M | +5% | +22% |
| Net earnings | $140M | +14% | -47% |
| Operating cash flow | $260M | — | +23% |
| Free cash flow | $253M | — | +23% |
What changed
Revenue was $1.0B in Q3 2025, roughly flat year over year and up 1% from the previous quarter. Consumer Money Transfers was the largest line at 85% of revenue. Consumer Money Transfers lost $0.05B year over year (down 6%), 1594% of the total change.
Operating profit was $0.20B, a 19.6% margin (up 3.6 points year over year). Total costs fell 5% while revenue was flat. Net earnings were $0.14B, down 47% year over year. The effective tax rate was 16.7%.
Operating cash flow was $0.26B (up 23% year over year), 187% of net earnings. Non-cash charges added back $0.04B of depreciation and amortization and $0.01B of share-based compensation. Working capital and other items added $0.07B. Capital expenditures of $0.01B left free cash flow of $0.25B.
Questions
What was Western Union's revenue in the third quarter 2025?
Western Union (WU) reported revenue of $1.0B for the third quarter 2025 (Q3 2025), -0.3% from a year earlier and +0.6% from the quarter before.
Was Western Union profitable in the third quarter 2025?
Operating profit was $202M (19.6% of revenue) and net earnings $140M.
Source: Western Union 10-Q on SEC EDGAR.