The Western Union Company filings document the regulatory record for a New York Stock Exchange-listed payments and money-movement business. Form 8-K reports cover material agreements, Regulation FD communications, operating and financial results, board changes and capital-structure events, including registered debt offerings and credit agreements.
Proxy materials describe board composition, committee assignments, director independence, executive compensation and shareholder voting matters. Registration statements, indentures and related exhibits provide disclosure on common stock, notes, trustee arrangements, loan covenants, events of default and other terms that shape Western Union’s financing and governance profile.
Western Union CO executive equity award and tax withholding transactions
Western Union CO executive Giovanni Angelini, President Europe, Africa, MEPA, acquired 35,226 shares of common stock on February 22, 2026 through the settlement of performance-based restricted stock units granted on February 22, 2023, after the Board certified the performance results.
On the same date, a total of 6,731 shares (1,224 and 5,507 shares) were disposed of at $9.27 per share to cover tax withholding obligations tied to the vesting and settlement of 8,328 restricted stock units. After these award and tax-withholding transactions, Angelini directly owned 215,427 Western Union CO common shares.
Western Union’s Chief Legal Officer Benjamin Carlton Adams received 54,516 shares of common stock through the settlement of performance-based restricted stock units granted in 2023. To cover tax withholding obligations tied to this and another vesting award, the Company withheld 6,558 and 28,417 shares at $9.27 per share. After these grant and tax-withholding dispositions, Adams directly holds 153,016 Western Union shares.
Western Union Company provides cross-border money transfers and consumer financial services through a global network in more than 200 countries and territories. Consumer Money Transfer generated 87% of 2025 consolidated revenue, with Consumer Services contributing 13%.
The company is shifting to a digital-first model under its "Beyond" strategy, expanding digital wallets, consumer financial services, and a digital asset network. It agreed to acquire International Money Express for approximately $500 million in cash, expected to close in Q2 2026, to strengthen U.S.-to-Latin America remittance corridors.
Western Union plans to support a U.S. dollar-backed stablecoin, the U.S. Dollar Payment Token (USDPT), issued on the Solana blockchain by Anchorage Digital Bank, with availability on licensed cryptocurrency exchanges anticipated in the first half of 2026.
Western Union reported softer 2025 revenue but stronger underlying profitability and set growth targets for 2026. Q4 2025 revenue was $1.0 billion, down 5% year over year, while full-year revenue was $4.1 billion, down 4% reported and 2% on an adjusted basis excluding Iraq.
Q4 GAAP EPS was $0.36 versus $1.13 a year earlier, when results benefited from a large tax gain. Adjusted EPS rose to $0.45 from $0.40. For 2025, GAAP EPS fell to $1.52 from $2.74, while adjusted EPS inched up to $1.75 from $1.74. GAAP operating margin improved to 19% from 17%, and adjusted margin reached 20%.
The core Consumer Money Transfer business saw 2025 revenue decline 8%, while Consumer Services revenue grew 32%, reflecting travel money and bill pay growth. Branded Digital revenue grew 7% for both Q4 and the full year, with transactions up 13% in Q4.
Operating cash flow was $543.7 million, and the company returned about $529 million via $305 million in dividends and $225 million in share repurchases. The board approved a Q1 2026 dividend of $0.235 per share. Western Union reiterated plans to acquire International Money Express and now expects closing in Q2 2026.
For 2026, Western Union guides to GAAP revenue growth of 5%–8% and adjusted revenue growth of 6%–9%, with GAAP EPS of $1.50–$1.60 and adjusted EPS of $1.75–$1.85, assuming no major macroeconomic shifts and an Intermex closing in the second quarter.
The Western Union Company entered into a new unsecured delayed draw term loan agreement providing access to up to $800,000,000 in term loans. The facility allows Western Union to draw funds from the closing date through July 8, 2026, with an option to increase total commitments so they do not exceed $1,000,000,000 in aggregate, subject to additional lender commitments. Proceeds can be used for general corporate purposes, including refinancing existing debt, permitted acquisitions, and related fees and expenses.
Interest is based on either the Term SOFR Rate plus a margin on a sliding scale from 1.000% to 1.625%, currently 1.250%, or the Base Rate plus a margin from 0.000% to 0.625%, currently 0.250%. A quarterly ticking fee on unused commitments ranges from 0.080% to 0.200%, currently 0.110%. The agreement includes customary covenants, an interest coverage ratio requirement, and restrictions on asset sales, liens, certain subsidiary debt, and use of proceeds, and it matures on the third anniversary of the initial funding date.
Schroder Investment Management filed a Schedule 13G reporting beneficial ownership of 16,948,328 shares of Western Union (WU) common stock, representing 5.2% of the class as of 09/30/2025.
The filer reports sole voting power over 16,948,328 shares and sole dispositive power over 16,948,328 shares, with no shared voting or dispositive power. The certification states the securities were acquired and are held in the ordinary course and not for the purpose of changing or influencing control.
Western Union (WU) insider activity: A company officer (President Europe, Africa, MEPA) reported an open-market purchase of 10,000 shares of common stock on 11/10/2025, coded “P”. The weighted average purchase price was $8.954.
Following this transaction, the officer beneficially owns 186,932 shares, held directly. The filing notes the purchase consisted of multiple trades with prices ranging from $8.945 to $8.96.
The Western Union Company announced it will host an Investor Meeting on November 6, 2025 at 1:00 p.m. Eastern Time. President and CEO Devin McGranahan and the executive team will provide a long-term strategy update followed by a Q&A session.
The company issued a related press release (Exhibit 99.1) and posted the presentation on its investor relations website. Access to the live webcast is available via the Investor Relations section of westernunion.com. The information is furnished under Item 7.01 and is not deemed filed under the Exchange Act.
Western Union (WU) filed its quarterly report for the period ended September 30, 2025. Revenue was $1,032.6 million, slightly below last year. Operating income rose to $201.9 million as cost of services and SG&A declined, while net income was $139.6 million versus a higher prior-year result that benefited from a tax benefit. Diluted EPS was $0.43.
For the nine months, revenue was $3,042.3 million and operating income reached $572.0 million. Operating cash flow improved to $408.3 million. The company reduced borrowings to $2,592.2 million and returned cash through dividends of $234.6 million and share repurchases of $208.5 million, with shares outstanding at 317,844,905 as of October 17, 2025. Cash and cash equivalents were $947.8 million. In strategic moves, WU acquired Eurochange Limited and agreed to purchase International Money Express, Inc. for approximately $500 million in cash, expected to close in mid‑2026 subject to approvals.
The Western Union Company furnished an 8-K announcing it issued a press release with results for the third quarter of 2025. The press release is provided as Exhibit 99.1. The company states the information under Item 2.02, including Exhibit 99.1, is furnished and not deemed filed under the Exchange Act, and may be incorporated by reference only if specifically referenced.