Filing Flows › Western Union (WU) › Q3 2026
Western Union (WU) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Western Union (WU) reported revenue of $1.0B for the third quarter 2026 (Q3 2026), -2% from a year earlier and -0.4% from the quarter before. Operating margin was 13.0%, net earnings $78.0M (7.7% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.0B | -0.4% | -2% |
| Operating profit | $131M | -1% | -35% |
| Net earnings | $78.0M | +2% | -44% |
| Operating cash flow | $107M | +2% | -59% |
| Free cash flow | $99.9M | +6% | -60% |
What changed
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.
Questions
What was Western Union's revenue in the third quarter 2026?
Western Union (WU) reported revenue of $1.0B for the third quarter 2026 (Q3 2026), -2% from a year earlier and -0.4% from the quarter before.
Was Western Union profitable in the third quarter 2026?
Operating profit was $131M (13.0% of revenue) and net earnings $78.0M.
Source: Western Union 10-Q on SEC EDGAR.