Filing Flows › Western Union (WU) › Q3 2026 › vs Q3 2025
Western Union (WU) Q3 2026 vs Q3 2025 (year over year)
Western Union's revenue fell $23.3M (-2%) from $1.0B in Q3 2025 to $1.0B in Q3 2026. The biggest changes: Consumer Money Transfers −$20.8M (-2%); Consumer Services −$2.5M (-2%). Operating margin 13.0% against 19.6% (-6.6 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 13.0% | 19.6% | -6.6 pts |
| Net margin | 7.7% | 13.5% | -5.8 pts |
| Free cash flow margin | 9.9% | 24.5% | -14.6 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Consumer Money Transfers | $857M | $878M | −$20.8M | -2% |
| Consumer Services | $152M | $155M | −$2.5M | -2% |
| Revenue | $1.0B | $1.0B | −$23.3M | -2% |
| Operating profit | $131M | $202M | −$71.1M | -35% |
| Costs & expenses | $878M | $831M | $47.8M | +6% |
| Pre-tax earnings | $96.1M | $168M | −$71.5M | -43% |
| Other expense, net | $34.7M | $34.3M | $400K | +1% |
| Cost of revenue | $666M | $643M | $23.1M | +4% |
| SG&A | $212M | $188M | $24.7M | +13% |
| Net earnings | $78.0M | $140M | −$61.6M | -44% |
| Income tax | $18.1M | $28.0M | −$9.9M | -35% |
| Depreciation & amortization | $49.6M | $41.3M | $8.3M | +20% |
| Share-based compensation | $12.3M | $9.9M | $2.4M | +24% |
| Working capital & other | $32.6M | −$69.6M | $102M | — |
| Operating cash flow | $107M | $260M | −$153M | -59% |
| Free cash flow (OCF − capex) | $99.9M | $253M | −$153M | -60% |
| Capital expenditures | $7.4M | $7.7M | −$300K | -4% |
Questions
How much did Western Union's revenue grow year over year in Q3 2026?
Western Union's revenue fell $23.3M (-2%) from $1.0B in Q3 2025 to $1.0B in Q3 2026.
What drove Western Union's revenue change in Q3 2026?
Consumer Money Transfers −$20.8M (-2%); Consumer Services −$2.5M (-2%).