AI-extracted from the 10-Q filed 2026-07-30 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Q2 revenue declined 1% YoY to $1,013.2M as Consumer Money Transfer volume grew 3% but was offset by pricing declines and unfavorable FX, while net income fell 37% to $76.7M.
Biggest Revenue Drivers
Consumer Money Transfer$866.1M-2% YoY
Transaction volume grew 3%, but revenue declined due to pricing reductions, unfavorable FX, and declines in North America and Latin America corridors impacted by geopolitical conditions.
Consumer Services$147.1M+4% YoY
Growth driven by travel money and check acceptance services from acquisitions, plus cash-based bill payments in Argentina, offset by FX headwinds.
Biggest Revenue Drivers
Total revenue: $1,013.2M-1% YoY
Consumer Money Transfer$866.1M-2% YoY
Transaction volume grew 3%, but revenue declined due to pricing reductions, unfavorable FX, and declines in North America and Latin America corridors impacted by geopolitical conditions.
Consumer Services$147.1M+4% YoY
Growth driven by travel money and check acceptance services from acquisitions, plus cash-based bill payments in Argentina, offset by FX headwinds.
Largest Expense Items
Cost of services$676.7M+5% YoY
Increase in agent commissions and employee/real estate expenses from acquisitions expanding company-operated locations.
Selling, general, and administrative$204.4M+7% YoY
Higher compliance costs and FX headwinds.
Interest expense$39.5M+8% YoY
Increase from borrowings on 2029 Notes issued in March and May 2026.
Margins: Operating margin compressed to 13.0% from 18.8% YoY. Consumer Money Transfer margin declined 4 points to 15% primarily due to revenue decline, FX impacts, and higher agent commissions. Consumer Services margin fell 6 points to 16% from higher employee/real estate expenses related to acquisitions.
Watch Items from the Filing
North America Consumer Money Transfer revenue declined 9% YoY, primarily from U.S. weakness driven by immigration policy impacts and broader macroeconomic conditions.
Operating income fell 31% YoY to $132.1M as transaction growth of 3% insufficient to offset pricing pressure, FX headwinds, and cost increases.
Pending Intermex acquisition for ~$500M requires financing via $800M Delayed Draw Term Loan; closure awaits regulatory approvals and customary closing conditions.
DRC litigation: $10.2M judgment from 2019 case; defendants continuing to challenge both prior judgments vigorously.
U.S. 1% remittance excise tax effective January 2026; Treasury issued proposed rules in April 2026 clarifying scope, which company is evaluating for implementation impact.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Murphy Timothy P.DirectorGrant or award · Mar 2, 2026
Congress trading in WU
3 transactions in WU reported by 2 members of Congress under the STOCK Act, most recent trade Jun 13, 2024. Reported transactions, not recommendations.
About Western Union CO (WU): stock profile, AI score and financials
Western Union CO (WU) stock profile, AI quality score, and SEC EDGAR financial data, a Industrials sector company. 13F Pro's AI-powered ranking engine scores WU at 48.5/100 on a composite quality score built from its SEC filings, placing it at rank #1,737 of 2,925 stocks — the bottom half of the AI-ranked universe. Areas of concern include institutional flow (9.7) and revenue growth (17.4), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Western Union CO reports quarterly revenue of $1.0B, net income of $76.7M, an operating margin of 13.0%. Top institutional holders of WU by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, SCHRODER INVESTMENT MANAGEMENT GROUP, based on the most recent SEC filings. WU trades on the NYSE exchange and files with the SEC under CIK 1365135. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate WU daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Western Union CO directly from SEC EDGAR.