The Western Union Company provides money movement and payment services worldwide. The company operates through Consumer Money Transfer and Consumer Services segments. The Consumer Money Transfer segment facilitates money transfers for international cross-border and intra-country transfers, primarily through a network of retail agent locations, as well as through websites and mobile devices. The Consumer Services segments offers bill payment services, which facilitate payments for consumers, businesses, and other organizations, as well as money order services, retail foreign exchange services, prepaid cards, lending partnerships, and digital wallets. The company was founded in 1851 and is headquartered in Denver, Colorado.

Western Union Company (The)

The Western Union announced today that its board of directors declared a quarterly cash dividend of $0.235 per common share, payable September 30, 2025, to stockholders of record at the close of business on September 16, 2025.
Gaming and Leisure Properties, announced today that the Company's Board of Directors has declared the third quarter 2025 cash dividend of $0.78 per share of its common stock. The dividend is payable on September 26, 2025 to shareholders of record on September 12, 2025. The third quarter 2024 cash dividend was $0.76 per share of the Company's common stock.
The Board of Directors of Wesco International today declared a quarterly cash dividend on all of the issued and outstanding shares of common stock, in an amount equal to $0.45375 per share. The dividend is payable on September 30, 2025 to the holders of record of the common stock at the close of business on September 12, 2025.
Mosaic announced today that its Board of Directors declared a quarterly dividend of $0.22 per share on the Company's common stock. The dividend will be paid on September 18, 2025, to stockholders of record at the close of business on September 8, 2025.
Lam Research today announced that its Board of Directors has approved a $0.03, or 13%, increase in its quarterly dividend, from $0.23 to $0.26 per share of common stock. The dividend payment will be made on October 15, 2025, to holders of record on September 24, 2025.
VIDEO: Daily Dividend Report: WU,GLPI,WCC,MOS,LRCX
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Daily Dividend Report: WU,GLPI,WCC,MOS,LRCX

Bargain hunters are wise to pay careful attention to insider buying, because although there are many various reasons for an insider to sell a stock, presumably the only reason they would use their hard-earned dollars to make a purchase, is that they expect to make money. Today we look at two noteworthy recent insider buys.
At Western Union, a filing with the SEC revealed that on Thursday, CEO & President Devin McGranahan bought 176,470 shares of WU, at a cost of $8.49 each, for a total investment of $1.5M. Western Union is trading up about 2.1% on the day Tuesday.
And at Bakkt Holdings, there was insider buying on Friday, by CEO and President Akshay Sudhir Naheta who bought 180,000 shares for a cost of $8.19 each, for a trade totaling $1.47M. This purchase marks the first one filed by Naheta in the past year. Bakkt Holdings is trading up about 8.2% on the day Tuesday. So far Naheta is in the green, up about 12.7% on their buy based on today's trading high of $9.23.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Tuesday 8/26 Insider Buying Report: WU, BKKT

The market-at-large is expensive by historical metrics. So let's look past the pricey, low-yielding ETFs in favor of cheap dividend stocks.
That's right, good ol' value investing bargains. With high yields too! We're talking about divvies of 5%, 8% and even 11% that we'll discuss in a moment.
The spring market dip sure was brief, wasn't it? The S&P 500 sank into near-bear territory in roughly a month, then snapped back just as quick.
Now? If We're Buying the Market, We're Buying Even Higher
In doing so, Mr. and Ms. Market took valuations to high levels. The S&P 500's forward price-to-earnings (P/E) ratio of 22.1 remains in rarefied air, last reached during the COVID rebound, and before that, the dot-com bubble.
Which is fine. We'll leave the 22 P/Es to the vanilla investors while we focus on bargains with respect to two "cash is king" metrics:
Big dividends: These generous stocks dish out 4x to 9x the market's yield.
Cheap price-to-cash-flow: These companies are priced dirt cheap with respect to the cash flow they generate.
Let's start with Virginia-based electric utility AES Corp. (AES, 5.5% yield), which we recently discussed as a low-beta name. This means AES, being a safe, stodgy utility, is more insulated from market pullbacks than run-of-the-mill dividends.
AES also has upside potential. Its renewable energy-selling business gives it growth potential that many utility stocks don't have.
Potential, But So Far, It Hasn't Shown Up Much in Practice
It's also cheap. AES trades at a cheap 5 times cash-flow estimates, as well as a 0.6 PEG that implies it's also cheap compared to its growth estimates. (Remember: A PEG under 1.0 signals that a stock is inexpensive.) The stock yields more than 5%, to boot, which is better than the already generous utility sector.
Edison International (EIX, 5.9%) is another utility company--this one more typical of the sector. It's the parent of regulated utility Southern California Edison (SCE), which serves more than 15 million customers and generates much of its electricity from renewable sources including solar, wind, and hydro. It does, however, have a second business--Trio (formerly Edison Energy), a global energy advisory firm that serves large commercial, industrial and institutional organizations.
Unlike other utilities, however, EIX is a bit more "exciting." It spent years in court fighting litigation over wildfire damage and ended up having to pay multiple billion-dollar-plus settlements. And the legal drama has returned in 2025. Shares have lost more than a quarter of their value, with most of that coming in January amid Los Angeles County wildfires, including the massive Eaton Fire, which prompted multiple suits against SCE over allegations that the company had "violated public safety and utility codes and was negligent in its handling of power safety shut-offs." SCE is also being investigated in connection with the Hurst Fire.
In Fact, Wildfire Woes Have Been Par for the Course
If, for a minute, we closed our eyes and ignored all that, there's a lot to like about Edison. It's expected to generate decent top-line growth and a significant snap-back in profits over the next couple years. The big drop in shares has launched EIX's yield to nearly 6%. It trades at just 3 times cash-flow estimates. And its PEG, which at fractionally under 1 suggests the stock is only mildly underpriced, is substantially down from the nearly 3 it traded at when I evaluated the stock a couple years ago.
But we can't ignore the fire liabilities--they're why EIX's valuations are so low. That makes Edison a much bigger high-risk, high-reward gamble than the average utility.
Amcor (AMCR, 5.2% yield) is technically a cyclical stock, but it acts defensively. That's because, as a packaging specialist, it's in the business of--well, other business's business. It makes everything from high-barrier paperboard trays for beef and meats to glass dressing bottles to overwrap for home and personal care. And its applications go far beyond the grocery store: Amcor's products are used in garden and outdoor products, agriculture, pet care, healthcare, even building and construction. So Amcor is simultaneously a play on the broader economy and all the businesses it supports, but it also fills a vital need across a diversified set of companies.
AMCR stands out for a few reasons:
It's a Dividend Aristocrat with a 5%-plus yield, which is rare. The hallowed group of dividend growers know how to stack pennies over time, but their headline numbers often leave a lot to be desired.
Amcor's shares tend to be less volatile than most.
The stock is cheap, at least as far as cash flow is concerned; P/CF is roughly 6x right now. It's a little less attractive by other metrics; its forward P/E (12) is so-so, and its PEG (1.3), while cheaper than the market, is still a bit overpriced.
Kodiak Gas Services (KGS, 5.2% yield) is an energy services firm that provides natural gas compression services, mostly in the Permian Basin of Texas and New Mexico. Its compression units are critical to upstream and midstream natural gas firms, so it's able to secure multiyear, fixed-revenue contracts. There's nothing novel about the business model, though. Like other energy services firms, if natural gas/liquefied natural gas (LNG) is in demand, Kodiak will be in demand, so the fact that global LNG demand is expected to grow over the next few years bodes well for KGS.
That's in large part because Kodiak is extremely well-positioned to capture that growth. In late 2023, KGS announced it would acquire CSI Compressco LP to create the industry's largest compression fleet. Kodiak's fleet is young, too (read: less maintenance and replacement costs).
There's not much stock history to examine, however. Kodiak is a relatively new issue that went public just a few months before the CSI announcement. But the company has started a dividend and raised it twice since then, including a nearly 10% improvement announced in April 2025.
A Stock Doubler-Plus + A New and Rising Dividend. Nice Start!
Meanwhile, its yield has wafted up to over 5% amid energy's weakness this year--and left shares relatively cheap. KGS trades at roughly 6 times cash flow estimates and a low PEG of 0.13.
Atlas Energy Solutions (AESI, 8.4% yield) is another Permian Basin energy equipment and services firm, this one providing transportation and logistics, storage solutions, and contract labor services to oil and natural gas E&P firms, as well as other oilfield services companies. Its most important offering is mesh frac sand used in hydraulic fracturing (fracking). I had been keeping tabs on it because of its unorthodox streak of dividend hikes, but that streak stopped earlier this year.
The Trap Door Opened Soon After AESI Stopped Raising
It's not ideal. Nor is the fact that AESI shares have been hammered to the tune of 45% this year. Again, energy services haven't had a great 2025, but Atlas has been downright miserable amid slower-than-expected U.S. completion activity and droopy frac-sand prices. If there's any silver lining to that, it's that AESI shares now trade at just 5.7 times estimates for cash flows, as well as an attractive PEG of 0.75.
The dividend at least appears to be safe, too. While things look bad from an adjusted earnings perspective ($1.00 in dividends annually vs. forecasts for just 25 cents this year), Atlas has more than enough FCF to cover the payout. Example: Last quarter, it generated $48.9 million in adjusted FCF while paying out $30.9 million. Those cash flows are substantial because AESI is a low-cost operator--crucial for survival in this industry. But like any energy services provider, Atlas needs commodity prices to cooperate.
It's unusual for a blue-chip stock like United Parcel Service (UPS, 7.5%) to yield north of 7%, but it's also rare for a blue-chip stock like UPS to have its shares hemorrhage so much without a recession or broader bear market.
Lower-margin e-commerce volumes, higher costs because of its unionized workforce, and a weak freight environment hampered the company in 2024.
Then in early 2025, it spooked investors with a weak 2025 forecast and announced that--in hopes of shifting away from those lower-margin volumes--it would drastically reduce its business with Amazon (AMZN), which accounted for roughly 10%-12% of annual UPS revenues. The April tariff announcement also hit shares hard.
The result? UPS shares have lost nearly half of their value in just two years.
The upshot? UPS trades at roughly 8 times cash-flow estimates and has never offered a better yield in its 26 years of trading.
Sadly, Dividend Growth Had Little to Do With It
Is UPS a dividend trap? Perhaps. The company pulled its full-year revenue and profit forecasts in April, and didn't bring them back in its late July report.
Meanwhile, Wall Street is expecting a roughly 15% drop in adjusted earnings, to $6.61 per share. That specific number matters: UPS has a target dividend payout ratio of approximately 50% of prior-year adjusted EPS. It currently pays $6.56 across four quarterly dividends. (That's 99%!) CEO Carol Tome continued to signal commitment to the dividend in the earnings call--"UPS is rock-solid strong and so is our dividend. The UPS dividend is backed by solid free cash flow and a strong investment-grade balance sheet," she said--but if the delivery giant continues to struggle, simple numbers might force management's hand.
Western Union (WU, 11.3% yield), somehow, is still in business. Payment apps like PayPal, Venmo and Zelle have been taking business from the "OG" of money transfer. WU boasts a big yield but for the wrong reason--its divvie looks big because shares are (deservedly) way down!
Western Union Has Been Headed South for Years
WU, to its credit, has launched an initiative called "Evolve 2025" in which it's rolling out new products, improvements and an operational efficiency program. It's also expanding its digital wallet offerings in Mexico and Singapore. And its latest move, announced just a couple days ago, is the $500 million acquisition of Miami-based International Money Express (IMXI), aka Intermex, which serves some 6 million customers who send money from the United States, Canada, Spain, Italy, the United Kingdom, and Germany to more than 60 countries.
But c'mon man--this dog is dead. The business trades for 4x cash flow and a sub-5 forward P/E, but who cares? Not me.
Fortunately, we don't have to stretch as far as buying Western Union to secure high yields right now. In fact, I know 3 incredible dividend payers dishing out yields up to 10%--and they even pay us monthly! Click here for the details.
Warren Buffett Dividend Stocks
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

7 Value-Priced Dividends With Yields up to 11%

Global Payments Inc. GPN is set to report second-quarter 2025 results on Aug. 6, 2025, before the opening bell. The Zacks Consensus Estimate for the to-be-reported quarter’s earnings is currently pegged at $3.03 per share on revenues of $2.35 billion.
The second-quarter earnings estimate increased 1 cent over the past 60 days. The bottom-line projection indicates a year-over-year increase of 3.4%. The Zacks Consensus Estimate for quarterly revenues implies year-over-year growth of 1.3%.
Image Source: Zacks Investment Research
For full-year 2025, the Zacks Consensus Estimate for Global Payments’ revenues is pegged at $9.3 billion, implying a rise of 1.6% year over year. Also, the consensus mark for the current-year EPS is pegged at $12.11, implying a jump of around 4.9% on a year-over-year basis.
Global Payments’ earnings beat the consensus estimate in two of the last four quarters and missed twice. This is depicted in the figure below.
Global Payments Inc. Price and EPS Surprise
Q2 Earnings Whispers for GPN
Our proven model does not conclusively predict an earnings beat for the company this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy), or 3 (Hold) increases the odds of an earnings beat, but that is not the case here.
GPN has an Earnings ESP of -0.02% and a Zacks Rank #3. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
You can see the complete list of today’s Zacks #1 Rank stocks here.
What’s Shaping GPN’s Q2 Results?
The Zacks Consensus Estimate for adjusted revenues from Merchant Solutions indicates a 0.4% increase from the year-ago period’s reported number of $1.8 billion. The consensus mark for adjusted operating income indicates 2% growth from the year-ago level of $884.8 million, while our model estimate implies a 1.6% increase.
Both the consensus estimate and our model estimate for Issuer Solutions’ adjusted revenues signal an almost 3% increase from the year-ago figure of $541.5 million. A rise in traditional accounts and increasing transactions are likely to have aided the segment in the quarter under review. While the consensus estimate for adjusted operating income from the unit indicates a rise of 3.7% in the second quarter from $246.6 million a year ago, our model estimate implies a 3.5% increase.
The Zacks Consensus Estimate for Europe operations indicates a 2.1% year-over-year increase in the second quarter. The consensus mark for revenues from Americas operations indicates a 0.9% rise from a year ago. Also, the consensus estimate for revenuesfrom Asia Pacific indicates 1.5% year-over-year growth.
The above-mentioned factors are expected to have positioned GPN for year-over-year growth. However, profit growth from the businesses is likely to have been partially offset by increased costs under certain heads in the quarter under review. For the upcoming quarter, we anticipate the adjusted cost of service to rise 1.4% year over year. Continuous investments to upgrade digital capabilities are likely to have increased expenditures.
How Did Other Stocks Perform?
Here are some stocks in the broader payments space that have already reported earnings for this quarter: The Western Union Company WU, Mastercard Incorporated MA and Visa Inc. V.
Western Union reported second-quarter 2025 adjusted EPS of 42 cents, which missed the Zacks Consensus Estimate by 4.6% due to weaker performance in the CMT segment, lower revenues from Iraq and a decline in the North America retail business. However, improvements in Western Union’s consumer services unit and branded digital business, as well as lower operating expenses, partially offset the negatives.
Mastercard reported second-quarter 2025 adjusted earnings of $4.15 per share, which beat the Zacks Consensus Estimate by 2.5% thanks to increased gross dollar volume, cross-border volumes, strong demand for value-added services and growth in transactions due to robust consumer spending on travel and leisure. However, the upside was partly offset by Mastercard’s escalating operating expenses and higher rebates and incentives.
Visa reported third-quarter fiscal 2025 EPS of $2.98, which beat the Zacks Consensus Estimate of $2.86 by 4.2% on higher processed transactions, payment and cross-border volumes. However, the upside was partly offset by Visa’s increased operating expenses.
Zacks Names #1 Semiconductor Stock
This under-the-radar company specializes in semiconductor products that titans like NVIDIA don't build. It's uniquely positioned to take advantage of the next growth stage of this market. And it's just beginning to enter the spotlight, which is exactly where you want to be.
With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $971 billion by 2028.
See This Stock Now for Free >>
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Global Payments to Report Q2 Earnings: Here Are the Estimates

Financial services technology solutions provider Fidelity National Information Services, Inc. FIS is set to report second-quarter 2025 results on Aug. 5, 2025, before the opening bell. The Zacks Consensus Estimate for the to-be-reported quarter’s earnings is currently pegged at $1.36 per share and the same for revenues is pinned at $2.58 billion.
The second-quarter earnings estimate remained stable over the past 60 days. The bottom-line prediction is in line with the year-ago figure. The Zacks Consensus Estimate for quarterly revenues implies year-over-year growth of 3.5%.
Image Source: Zacks Investment Research
For full-year 2025, the Zacks Consensus Estimate for Fidelity National’s revenues is pegged at $10.47 billion, implying a rise of 3.4% year over year. Meanwhile, the consensus mark for current year EPS is pegged at $5.75, implying growth of around 10.2% on a year-over-year basis.
Fidelity National’s earningsbeat the consensus estimate in each of the last four quarters, with the average surprise being negative 5.9%.
Fidelity National Information Services, Inc. Price and EPS Surprise
Q2 Earnings Whispers for Fidelity National
Our proven model predicts a likely earnings beat for the company this time around as well. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. That is precisely the case here.
FIS has an Earnings ESP of +0.67% and a Zacks Rank #2 at present. You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
You can see the complete list of today’s Zacks #1 Rank stocks here.
What Is Shaping Fidelity National’s Q2 Results?
The Zacks Consensus Estimate for Banking Solutions revenues indicates a 3.8% year-over-year increase. Similarly, both the consensus mark and our model estimate indicate around a 6% increase in revenues from Capital Market Solutions compared with the same quarter last year.
Both the consensus estimate and our model estimate for Total Recurring revenues indicate around a 3% increase in the to-be-reported quarter. Looking at the geographical breakdown, both the consensus mark and our model estimate signal 2.8% and 5.4% year-over-year growth in North America and All Other revenues, respectively.
The Zacks Consensus Estimate for Capital Market Solutions’ adjusted EBITDA indicates a 4.9% year-over-year increase, whereas our model estimate predicts 3.1% growth from the year-ago period. The consensus mark for Banking Solutions’ adjusted EBITDA indicates a 1.9% year-over-year growth.
The company earlier stated that it expects adjusted EBITDA to be in the range of $1.020-$1.035 billion. Also, adjusted EBITDA margin is anticipated to be in the range of 39.8-40%.
The factors stated above are likely to have positioned FIS for an earnings beat. The positives are likely to have been partially offset by a more than 9% decline in adjusted equity method investment earnings. We expect total operating expenses to increase only 0.6% year over year.
How Did Other Stocks Perform?
Here are some stocks in the broader payments space that have already reported earnings for this quarter: The Western Union Company WU, Mastercard Incorporated MA and Visa Inc. V.
Western Union reported second-quarter 2025 adjusted EPS of 42 cents, which missed the Zacks Consensus Estimate by 4.6% due to weaker performance in the CMT segment, lower revenues from Iraq and a decline in the North America retail business. However, improvements in Western Union’s consumer services unit and branded digital business, as well as lower operating expenses, partially offset the negatives.
Mastercard reported second-quarter 2025 adjusted earnings of $4.15 per share, which beat the Zacks Consensus Estimate by 2.5% thanks to increased gross dollar volume, cross-border volumes, strong demand for value-added services and growth in transactions due to robust consumer spending on travel and leisure. However, the upside was partly offset by Mastercard’s escalating operating expenses and higher rebates and incentives.
Visa reported third-quarter fiscal 2025 EPS of $2.98, which beat the Zacks Consensus Estimate of $2.86 by 4.2% on higher processed transactions, payment and cross-border volumes. However, the upside was partly offset by Visa’s increased operating expenses.
Zacks Names #1 Semiconductor Stock
This under-the-radar company specializes in semiconductor products that titans like NVIDIA don't build. It's uniquely positioned to take advantage of the next growth stage of this market. And it's just beginning to enter the spotlight, which is exactly where you want to be.
With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $971 billion by 2028.
See This Stock Now for Free >>
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Can Fidelity National Beat Q2 Earnings on Capital Market Strength?

Western Union (WU) came out with quarterly earnings of $0.42 per share, missing the Zacks Consensus Estimate of $0.44 per share. This compares to earnings of $0.44 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of -4.55%. A quarter ago, it was expected that this money transfer company would post earnings of $0.4 per share when it actually produced earnings of $0.41, delivering a surprise of +2.5%.
Over the last four quarters, the company has surpassed consensus EPS estimates two times.
Western Union, which belongs to the Zacks Financial Transaction Services industry, posted revenues of $1.03 billion for the quarter ended June 2025, missing the Zacks Consensus Estimate by 0.91%. This compares to year-ago revenues of $1.07 billion. The company has topped consensus revenue estimates two times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
Western Union shares have lost about 19.1% since the beginning of the year versus the S&P 500's gain of 8.6%.
What's Next for Western Union?
While Western Union has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Western Union was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.46 on $1.04 billion in revenues for the coming quarter and $1.76 on $4.12 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Financial Transaction Services is currently in the bottom 41% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
Another stock from the same industry, OppFi Inc. (OPFI), has yet to report results for the quarter ended June 2025. The results are expected to be released on August 6.
This company is expected to post quarterly earnings of $0.30 per share in its upcoming report, which represents a year-over-year change of +3.5%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.
OppFi Inc.'s revenues are expected to be $141.61 million, up 12.1% from the year-ago quarter.
Should You Invest in The Western Union Company (WU)?
Before you invest in The Western Union Company (WU), want to know the best stocks to buy for the next 30 days? Check out Zacks Investment Research for our free report on the 7 best stocks to buy.
Zacks Investment Research has been committed to providing investors with tools and independent research since 1978. For more than a quarter century, the Zacks Rank stock-rating system has more than doubled the S&P 500 with an average gain of +24.08% per year. (These returns cover a period from January 1, 1988 through May 6, 2024.)
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Western Union (WU) Q2 Earnings and Revenues Lag Estimates

Key Points
- Adjusted (non-GAAP) earnings per share were $0.42, missing analyst estimates by 4.5%.
- Revenue declined 4.0% year-over-year in Q2 2025 and missed consensus forecasts, driven by weakness in core money transfer operations.
- Consumer Services segment revenue (GAAP) increased 39% in Q2 2025, reflecting successful expansion efforts, especially in Europe.
Western Union (NYSE:WU), a leading global cross-border money transfer and payments company, reported its Q2 FY2025 earnings on July 28, 2025. The key news: Both GAAP revenue and non-GAAP adjusted earnings per share (EPS) missed analysts' expectations. EPS came in at $0.42, below the consensus estimate of $0.44 (non-GAAP), while GAAP revenue reached $1.03 billion, also below the expectation of $1.04 billion (GAAP). Compared to the same period last year, both figures declined.—EPS fell from $0.44 and GAAP revenue decreased from $1.07 billion in Q2 2024. The quarter reflected progress in digital services and growth in Consumer Services, but was hampered by persistent declines in the company's largest segment, Consumer Money Transfer, whose GAAP revenue decreased 8%, and volatility in certain markets like Iraq. Overall, the period showed incremental operational improvement but ongoing challenges in translating strategic execution into financial growth.
Metric
Q2 2025
Q2 2025 Estimate
Q2 2024
Y/Y Change
EPS (Non-GAAP)
$0.42
$0.44
$0.44
(4.5%)
Revenue
$1.03 billion
$1.04 billion
$1.07 billion
(4.0%)
Operating Margin
19%
18%
1.0 pp
Consumer Money Transfer Revenue
$885 million
$965 million
(8.3%)
Consumer Services Revenue
$141 million
$101 million
39.6%
Source: Analyst estimates provided by FactSet. Management expectations based on management's guidance, as provided in Q1 2025 earnings report.
Business Overview and Key Success Factors
Western Union specializes in cross-border consumer payments. Its core activity is the transfer of money internationally, both through a global network of nearly 380,000 physical agent locations (as of December 31, 2024) and fast-expanding digital channels. Operating in over 200 countries and territories, it serves millions of people seeking to send remittances to friends, family, or business contacts across borders.
Western Union's focus includes leveraging its massive global network and strengthening the brand, accelerating digital transformation to capture market shifts, maintaining strict regulatory compliance, responding to tough competition from both established financial players and nimble new fintechs, and broadening income streams through Consumer Services. Success in these areas supports future growth and helps manage the risks of heavy reliance on the traditional money transfer business.
Quarterly Highlights: Financial Performance and Strategic Moves
Adjusted EPS was below consensus, with revenue also missing forecasts as Continued declines in the Consumer Money Transfer segment weighed on results. Revenue dropped 4.0% from a year ago. The main culprit: an 8% year-over-year drop in Consumer Money Transfer revenue (GAAP), driven by an 11% year-over-year decline in Consumer Money Transfer segment revenue in North America (GAAP) and notable volatility in the Iraq business. Transactions in this core segment dropped 3% year-over-year, reflecting pressure on volumes, especially in established retail corridors.
A standout area for the company was its Consumer Services segment. This business line, which includes offerings such as bill payment and travel money services, grew revenue by 39% (GAAP) in Q2 2025. Segment operating margin also improved, a sign of scale and efficiency, with growth driven by the expansion of the Travel Money business in Europe, including the acquisition of Eurochange Limited.
Western Union saw further progress in its digital money transfer offering, known as Branded Digital. Revenue in this digital product family rose 6% in Q2 2025, and Transactions increased 9% year-over-year in Q2 2025. As of Q2 2025, Branded Digital accounted for 29% of Consumer Money Transfer segment revenue and 36% of its transactions in Q2 2025. Management highlighted that the cost to acquire digital customers is coming down and that new loyalty programs are intended to improve customer retention, especially following a recent rollout in the United States in Q1 2025.
The company reported a slight year-over-year increase in overall operating margin to 19% (GAAP) in Q2 2025, up from 18% (GAAP) in Q2 2024. Leadership attributed these margin improvements to both currency tailwinds and ongoing cost efficiencies, especially in technology and headcount, partially offset by declines in high-margin markets such as Iraq. Management said it is on pace to exceed its $150 million cost-saving target as of Q1 2025, enabling more operational savings to bolster earnings as top-line revenue remains under pressure.
Regulatory compliance continues to be a necessary operational focus, as Western Union operates in many jurisdictions with strict requirements on anti-money laundering and consumer protections. However, volatility in Iraq remains a particular area of concern, as instability in that market can impact reported (GAAP) results, and, as management noted, presents significant volatility in revenues and challenges in offering the Company's services in the country.
On capital return, the company paid out $82.3 million in dividends and repurchased $76.7 million of its own shares. There was no declared change to the dividend.
Looking Ahead: Guidance and Risks
Despite missing consensus forecasts in the current period, management reaffirmed full-year 2025 guidance. It expects GAAP revenue between $4.085 billion and $4.185 billion for FY2025, and adjusted EPS of $1.65 to $1.75, assuming no material changes in macroeconomic conditions, including immigration policies, foreign currencies, or Argentina inflation. The company also expects GAAP operating margins to remain in the 18% to 20% range for FY2025, underlining its continued discipline on costs. Management highlighted that the revenue boost from the Eurochange acquisition is already included in its FY2025 outlook.
Looking forward, investors should watch the evolution of digital transaction volumes and margins, further traction in Consumer Services, and whether cost controls can offset any continued weakness in the core Consumer Money Transfer business. Volatility in markets like Iraq and slowdowns in North American retail remain key risk factors. Management will also need to keep an eye on competitive pressures, as the industry continues to see consolidation and new digital entrants challenge established players.
Revenue and net income presented using U.S. generally accepted accounting principles (GAAP) unless otherwise noted.
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Western Union Misses Q2 Targets

Looking at the underlying holdings of the ETFs in our coverage universe at ETF Channel, we have compared the trading price of each holding against the average analyst 12-month forward target price, and computed the weighted average implied analyst target price for the ETF itself. For the SPDR Portfolio S&P 400 Mid Cap ETF (Symbol: SPMD), we found that the implied analyst target price for the ETF based upon its underlying holdings is $62.54 per unit.
With SPMD trading at a recent price near $56.42 per unit, that means that analysts see 10.85% upside for this ETF looking through to the average analyst targets of the underlying holdings. Three of SPMD's underlying holdings with notable upside to their analyst target prices are Haemonetics Corp. (Symbol: HAE), Sotera Health Co (Symbol: SHC), and Western Union Co (Symbol: WU). Although HAE has traded at a recent price of $75.20/share, the average analyst target is 24.39% higher at $93.55/share. Similarly, SHC has 21.37% upside from the recent share price of $12.30 if the average analyst target price of $14.93/share is reached, and analysts on average are expecting WU to reach a target price of $10.22/share, which is 19.13% above the recent price of $8.58. Below is a twelve month price history chart comparing the stock performance of HAE, SHC, and WU:
Below is a summary table of the current analyst target prices discussed above:
Name
Symbol
Recent Price
Avg. Analyst 12-Mo. Target
% Upside to Target
Haemonetics Corp.
HAE
$75.20
$93.55
24.39%
Sotera Health Co
SHC
$12.30
$14.93
21.37%
Western Union Co
WU
$8.58
$10.22
19.13%
Are analysts justified in these targets, or overly optimistic about where these stocks will be trading 12 months from now? Do the analysts have a valid justification for their targets, or are they behind the curve on recent company and industry developments? A high price target relative to a stock's trading price can reflect optimism about the future, but can also be a precursor to target price downgrades if the targets were a relic of the past. These are questions that require further investor research.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

How The Pieces Add Up: SPMD Targets $63

(RTTNews) - Western Union Co (WU) will host a conference call at 4:30 PM ET on July 28, 2025, to discuss Q2 25 earnings results.
To access the live webcast, log on to https://ir.westernunion.com/investor-relations
To listen to the call, dial +1 (719) 359-4580, meeting ID 935 4789 5938, passcode 897652.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Western Union Q2 25 Earnings Conference Call At 4:30 PM ET

The following are the top rated Financial stocks according to Validea's P/E/Growth Investor model based on the published strategy of Peter Lynch. This strategy looks for stocks trading at a reasonable price relative to earnings growth that also possess strong balance sheets.
BANCO BILBAO VIZCAYA ARGENTARIA SA (ADR) (BBVA) is a large-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a Spain - based bank. It is a diversified financial company engaged in retail banking, wholesale banking, asset management and private banking. Its segments are: Spain, the United States, Turkey, Mexico, South America and Rest of Eurasia. The activities in Spain are banking activity and Insurance. In the United States it offers services through, BBVA USA and the BBVA New York branch. The Turkey segment is represented by the group Garanti BBVA, an integrated financial services group, that also operate in Holland and Romania. The Mexico segment activities include banking and insurance businesses. In South America, it provides banking and insurance businesses. The Rest of Eurasia segment includes business activity in the rest of Europe and Asia
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of BANCO BILBAO VIZCAYA ARGENTARIA SA (ADR)
WESTERN UNION CO (WU) is a mid-cap value stock in the Consumer Financial Services industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: The Western Union Company is a provider of cross-border, cross-currency money movement, payments, and digital financial services, empowering consumers, businesses, financial institutions, and governments. Its segments include Consumer Money Transfer and Consumer Services. The Consumer Money Transfer segment facilitates money transfers, which are primarily sent from its retail agent and owned locations worldwide or through Websites and mobile devices. Its money transfer service is provided through one interconnected global network. This service is available for international cross-border transfers and, in certain countries, intra-country transfers. The Consumer Services segment includes the Companys bill payment services, money order services, retail foreign exchange services, media network, prepaid cards, lending partnerships, and digital wallets. The Company provides its services primarily through a network of agent locations in more than 200 countries and territories.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of WESTERN UNION CO
AXIS CAPITAL HOLDINGS LTD (AXS) is a mid-cap value stock in the Insurance (Prop. & Casualty) industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: AXIS Capital Holdings Limited is a holding company. The Company, through its operating subsidiaries, is a global specialty underwriter and provider of insurance and reinsurance solutions with operations in Bermuda, the United States, Europe, Singapore, and Canada. Its underwriting operations are organized around its global underwriting platforms: AXIS Insurance and AXIS Re. It operates through two segments: insurance and reinsurance. The insurance segment offers specialty insurance products to a variety of niche markets on a worldwide basis. The product lines in this segment are professional lines, property, liability, cyber, marine and aviation, accident and health, and credit and political risk. The reinsurance segment provides treaty reinsurance to insurance companies on a worldwide basis. The product lines in this segment are liability, accident and health, professional lines, credit and surety, motor, agriculture, marine and aviation, catastrophe, property, and engineering.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of AXIS CAPITAL HOLDINGS LTD
SYNCHRONY FINANCIAL (SYF) is a large-cap value stock in the Consumer Financial Services industry. The rating according to our strategy based on Peter Lynch is 93% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Synchrony Financial is a consumer financial services company focused on delivering digitally enabled product suites. The Company provides a range of credit products through financing programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. It offers private label, dual card, co-brand, and general-purpose credit cards, as well as short- and long-term installment loans, and savings products through Synchrony Bank (the Bank). The Company primarily manages its credit products through five sales platforms such as Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle. The Bank offers directly to retail, affinity relationships and commercial customers, a range of deposit products, including certificates of deposit, individual retirement accounts (IRAs), money market accounts, savings accounts and sweep and affinity deposits.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of SYNCHRONY FINANCIAL
CHUBB LTD (CB) is a large-cap value stock in the Insurance (Prop. & Casualty) industry. The rating according to our strategy based on Peter Lynch is 91% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Chubb Limited is a Switzerland-based holding company. The Company, through its subsidiaries, provides a range of insurance and reinsurance products and services to clients around the world. Its segments include North America Commercial property and casualty (P&C) Insurance, North America Personal P&C Insurance, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance and Life Insurance. It offers commercial insurance products and service offerings, such as risk management programs, loss control, and engineering and complex claims management. It provides specialized insurance products to areas, such as aviation and energy. It also offers personal lines insurance coverage, including homeowners, automobile, valuables, umbrella liability and recreational marine products. In addition, it supplies personal accident, supplemental health and life insurance to individuals in select countries.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
Detailed Analysis of CHUBB LTD
About Peter Lynch: Perhaps the greatest mutual fund manager of all-time, Lynch guided Fidelity Investment's Magellan Fund to a 29.2 percent average annual return from 1977 until his retirement in 1990, almost doubling the S&P 500's 15.8 percent yearly return over that time. Lynch's common sense approach and quick wit made him one of the most quoted investors on Wall Street. ("Go for a business that any idiot can run -- because sooner or later, any idiot probably is going to run it," is one of his many pearls of wisdom.) Lynch's bestseller One Up on Wall Street is something of a "stocks for the everyman/everywoman", breaking his approach down into easy-to-understand concepts.
About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Western Union Company (The)

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