Money transfer company Western Union (NYSE: WU) reported Q3 CY2025 results topping the market’s revenue expectations, but sales were flat year on year at $1.03 billion. The company’s full-year revenue guidance of $4.14 billion at the midpoint came in 1% above analysts’ estimates. Its non-GAAP profit of $0.47 per share was 9.5% above analysts’ consensus estimates.

Is now the time to buy Western Union? Find out by accessing our full research report, it’s free for active Edge members.

Company Overview

With a history dating back to 1851 when it began as a telegraph company, Western Union (NYSE: WU) is a global money transfer service that enables consumers and businesses to send funds across borders and currencies, typically within minutes.

Revenue Growth

A company’s long-term performance is an indicator of its overall quality. Even a bad business can shine for one or two quarters, but a top-tier one grows for years. Over the last five years, Western Union’s demand was weak and its revenue declined by 3.4% per year. This was below our standards and suggests it’s a low quality business.

Long-term growth is the most important, but within financials, a half-decade historical view may miss recent interest rate changes and market returns. Western Union’s annualized revenue declines of 3.4% over the last two years align with its five-year trend, suggesting its demand has consistently shrunk. Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.

This quarter, Western Union’s $1.03 billion of revenue was flat year on year but beat Wall Street’s estimates by 1%.

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Key Takeaways from Western Union’s Q3 Results

It was good to see Western Union beat analysts’ EPS expectations this quarter. We were also glad its full-year revenue guidance slightly exceeded Wall Street’s estimates. Overall, this print had some key positives. The stock traded up 4.5% to $8.51 immediately after reporting.

Western Union may have had a good quarter, but does that mean you should invest right now? What happened in the latest quarter matters, but not as much as longer-term business quality and valuation, when deciding whether to invest in this stock. We cover that in our actionable full research report which you can read here, it’s free for active Edge members.