Filing Flows › Western Union (WU) › Q3 2026 › vs Q2 2026
Western Union (WU) Q3 2026 vs Q2 2026 (quarter over quarter)
Western Union's revenue fell $3.9M (-0.4%) from $1.0B in Q2 2026 to $1.0B in Q3 2026. The biggest changes: Consumer Money Transfers −$8.9M (-1%); Consumer Services +$5.0M (+3%). Operating margin 13.0% against 13.0% (-0.1 pts).
Western Union, Q3 2026: revenue $1.0B (-2% year over year), operating margin 13.0%, net earnings $78.0M, operating cash flow $107M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 13.0% | 13.0% | -0.1 pts |
| Net margin | 7.7% | 7.6% | +0.2 pts |
| Free cash flow margin | 9.9% | 9.3% | +0.6 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Consumer Money Transfers | $857M | $866M | −$8.9M | -1% |
| Consumer Services | $152M | $147M | $5.0M | +3% |
| Revenue | $1.0B | $1.0B | −$3.9M | -0.4% |
| Operating profit | $131M | $132M | −$1.3M | -1% |
| Costs & expenses | $878M | $881M | −$2.6M | -0.3% |
| Pre-tax earnings | $96.1M | $95.4M | $700K | +0.7% |
| Other expense, net | $34.7M | $36.7M | −$2.0M | -5% |
| Cost of revenue | $666M | $677M | −$10.4M | -2% |
| SG&A | $212M | $204M | $7.8M | +4% |
| Net earnings | $78.0M | $76.7M | $1.3M | +2% |
| Income tax | $18.1M | $18.7M | −$600K | -3% |
| Depreciation & amortization | $49.6M | $49.3M | $300K | +0.6% |
| Share-based compensation | $12.3M | $7.9M | $4.4M | +56% |
| Working capital & other | $32.6M | $29.0M | $3.6M | +12% |
| Operating cash flow | $107M | $105M | $2.4M | +2% |
| Free cash flow (OCF − capex) | $99.9M | $94.6M | $5.3M | +6% |
| Capital expenditures | $7.4M | $10.3M | −$2.9M | -28% |
Questions
How much did Western Union's revenue grow quarter over quarter in Q3 2026?
Western Union's revenue fell $3.9M (-0.4%) from $1.0B in Q2 2026 to $1.0B in Q3 2026.
What drove Western Union's revenue change in Q3 2026?
Consumer Money Transfers −$8.9M (-1%); Consumer Services +$5.0M (+3%).