Western Union Q3 Consumer Services Soar 49% Driving EPS Beat

Western Union reported strong Q3 2025 financial results with adjusted EPS of $0.47, exceeding analyst expectations, and revenue of $1.03 billion, which was flat year-over-year but slightly above forecasts. The Consumer Services segment grew significantly, driven by expansion in the Travel Money business and the acquisition of Eurochange Limited, offsetting a 6% revenue decline in the Consumer Money Transfer segment. Despite flat revenues, the company maintained its full-year revenue guidance of approximately $4.14 billion and adjusted EPS guidance between $1.65 and $1.75, aligning with analyst expectations. Western Union's financial health shows solid margins and liquidity, but its Altman Z-Score indicates potential financial distress risk. The stock has seen declining prices over the last year, with recent earnings revisions mostly negative, reflecting investor caution amid mixed long-term revenue trends. CEO Devin McGranahan emphasized the company's strategic diversification and operational efficiency as key to sustaining growth in a dynamic market.