Every material Form 8-K Western Union has filed with the SEC since December 04, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Western Union reported third-quarter 2026 revenue of $1.0 billion, down 2% from the prior year, and GAAP earnings per share of $0.25, down from $0.43. Adjusted EPS was $0.42, down from $0.47, as lower revenue, a higher GAAP tax rate and $37.3 million of Beyond efficiency program costs weighed on results. The company also updated its full-year 2026 outlook, which assumes the pending Intermex acquisition closes on November 10, 2026, and the merger still awaits reinstatement of California regulatory approval.
Q3 2026 GAAP revenue was $1.0 billion, down 2%; adjusted revenue declined 1%
GAAP EPS was $0.25 versus $0.43 a year earlier; adjusted EPS was $0.42 versus $0.47
Full-year 2026 EPS outlook is $1.28 to $1.38; revenue outlook is 0% to 1% including Intermex and (2)% to (1)% excluding it
The Intermex merger remains subject to reinstatement of the California DFPI's approval and can be terminated if not completed by November 10, 2026
Western Union disclosed that the U.S. antitrust waiting period under the HSR Act for its proposed merger with International Money Express expired at 11:59 p.m. Eastern Time on November 2, 2026. The merger still requires reinstatement of a suspended approval from the California Department of Financial Protection and Innovation and satisfaction of other closing conditions, so completion is not assured by this filing.
HSR waiting period expired at 11:59 p.m. Eastern Time on November 2, 2026
Companies filed new HSR notification forms on October 2, 2026
Merger still needs California DFPI approval reinstated and other closing conditions met
Western Union reported second-quarter 2026 revenue of $1.0 billion, down 1% from a year earlier, and GAAP earnings per share of $0.24, down from $0.37. Management said Americas retail did not improve as expected and the delayed Intermex acquisition pushed out expected synergies, and it updated full-year 2026 guidance, which assumes the Intermex deal closes September 1, 2026. Shareholders face lower profit and margins, and the company says it must accelerate cost reductions in the second half of the year.
Revenue was $1,013.2 million, down 1% from $1,026.1 million; Consumer Money Transfer revenue fell 2% while Consumer Services rose 4%.
GAAP EPS was $0.24 versus $0.37; adjusted EPS was $0.31 versus $0.42; GAAP operating margin was 13% versus 19%.
Management cited a slowdown in Americas retail and the delayed Intermex close, and said cost reductions must accelerate in the second half.
Updated 2026 outlook: GAAP revenue growth of 3% to 5%, adjusted revenue growth of 4% to 6%, and adjusted EPS of $1.25 to $1.35.
Western Union said its Executive Vice President and Chief Legal Officer, Benjamin Adams, will leave his post under the company's Voluntary Retirement Program, effective November 2, 2026. He will keep overseeing legal, privacy, public policy and enterprise risk during the notice period while helping transition his duties until a successor is appointed.
Adams notified the company of his retirement on July 20, 2026; departure is effective November 2, 2026.
Successor not yet named; Adams will assist with the transition until one is appointed.
Under the program, he is entitled to six months of base salary, a prorated 2026 target annual incentive award, and continued vesting of equity awards.
Western Union reported first-quarter 2026 GAAP revenue of $983 million, flat from the prior year, while adjusted revenue fell 1%. GAAP diluted EPS dropped to $0.20 from $0.36 as operating margin narrowed to 13% from 18%, and the company reaffirmed its full-year 2026 outlook. For shareholders, the quarter shows lower profit despite growth in Consumer Services and Branded Digital, and the outlook assumes the pending Intermex acquisition closes in the second quarter of 2026.
GAAP revenue of $983 million, flat versus the prior year; adjusted revenue down 1%
GAAP diluted EPS of $0.20 versus $0.36; adjusted EPS of $0.25 versus $0.41
Operating margin of 13% versus 18%; Consumer Services revenue up 24% on a GAAP basis
2026 outlook reaffirmed: GAAP EPS of $1.50 to $1.60, assuming the Intermex deal closes in Q2 2026
Western Union increased its board from 11 to 12 directors and appointed Milind Pant, a former Amway CEO and Yum! China executive, effective March 13, 2026. Pant also joined the Audit and Compliance Committees, and the filing states he meets the company's independence requirements.
Board size increased from 11 to 12 directors on March 13, 2026, with Pant filling the new seat
Pant joins the Audit Committee and Compliance Committee, effective March 13, 2026
Pant will receive standard 2026 non-employee director compensation, prorated for his service during 2026
Pant previously served as first non-family CEO of Amway and as President and COO of Yum! China
Western Union reported fourth-quarter 2025 revenue of $1.0 billion, down 5%, while GAAP EPS fell to $0.36 from $1.13 because the prior year included a $0.75 tax benefit. Adjusted EPS rose to $0.45 from $0.40, and the company gave 2026 GAAP EPS guidance of $1.50 to $1.60 and adjusted EPS guidance of $1.75 to $1.85, assuming the pending International Money Express acquisition closes in the second quarter of 2026.
Q4 revenue was $1.0 billion, down 5%; Consumer Services revenue rose 15% while Consumer Money Transfer revenue fell 7%.
Q4 GAAP EPS was $0.36 versus $1.13 a year earlier; adjusted EPS was $0.45 versus $0.40.
Full-year 2025 revenue was $4.1 billion, down 4%; GAAP EPS was $1.52 versus $2.74 and adjusted EPS was $1.75 versus $1.74.
2026 outlook: GAAP revenue growth of 5% to 8% and GAAP EPS of $1.50 to $1.60; the Board approved a first-quarter 2026 dividend of $0.235 per share.
Western Union entered into an unsecured delayed draw term loan credit agreement on January 9, 2026, providing an $800 million facility that can be drawn through July 8, 2026. The company may increase commitments to as much as $1 billion, subject to obtaining additional bank commitments, and proceeds may be used for general corporate purposes, including refinancing debt and permitted acquisitions.
Facility size: $800 million unsecured, with an option to increase commitments to $1 billion in total
Draw period runs from January 9, 2026 through July 8, 2026; final maturity is the third anniversary of the initial funding date
Current pricing: Term SOFR plus 1.250% (margin range 1.000% to 1.625%) or base rate plus 0.250%, plus a quarterly ticking fee of 0.110% on unused commitments
Bank of America, N.A. is administrative agent; the agreement includes covenants limiting asset sales, mergers, liens and subsidiary-level debt, and requires a consolidated interest coverage ratio
Western Union reported third-quarter 2025 revenue of $1.03 billion, flat from the prior year period, while adjusted revenue excluding Iraq fell 1%. GAAP earnings per share dropped to $0.43 from $0.78, which included a $0.40 IRS settlement benefit in the prior year, while adjusted EPS rose to $0.47 from $0.46. The company left its full-year 2025 outlook unchanged, which keeps GAAP EPS guidance at $1.45 to $1.55 and adjusted EPS guidance at $1.65 to $1.75.
Q3 GAAP revenue was $1,032.6 million versus $1,036.0 million a year earlier, flat on a reported basis
Consumer Services revenue rose 49% to $154.6 million, while Consumer Money Transfer revenue fell 6% to $878.0 million
GAAP net income was $139.6 million, down 47% from $264.8 million, and GAAP operating income rose 22% to $201.9 million
Full-year 2025 outlook is unchanged: GAAP revenue of $4,085 million to $4,185 million and GAAP EPS of $1.45 to $1.55
Western Union agreed on August 10, 2025 to acquire International Money Express (IMXI) through a merger in which IMXI shares convert into the right to receive $16.00 per share in cash. The deal is subject to IMXI stockholder approval, antitrust clearance and money transmitter license approvals, and IMXI shares would be delisted from Nasdaq if the merger closes.
Merger consideration is $16.00 per IMXI share in cash, without interest.
Termination fee payable to IMXI is $27.3 million; fee payable to Western Union is $19.8 million, in specified circumstances.
Outside Date is May 11, 2026, with automatic extensions to August 10, 2026 and November 10, 2026 in certain cases.
Western Union reported second-quarter 2025 revenue of $1.03 billion, down 4% from a year earlier, with GAAP EPS of $0.37 versus $0.41 and net income of $122.1 million, down 13%. The company cited a slowdown in its North America retail business and lower Iraq revenue, partly offset by growth in Branded Digital and Consumer Services. It also gave full-year 2025 GAAP EPS guidance of $1.45 to $1.55 and named Ben Hawksworth chief operating officer, effective July 22, 2025.
Q2 2025 revenue was $1.03 billion versus $1.07 billion a year earlier, down 4%; adjusted revenue excluding Iraq fell 1%.
GAAP EPS was $0.37 versus $0.41; adjusted EPS was $0.42 versus $0.44.
2025 outlook: GAAP revenue of $4,085 million to $4,185 million and GAAP EPS of $1.45 to $1.55.
Ben Hawksworth was appointed COO on July 22, 2025, with a base salary of $550,000 effective August 1, 2025.
Western Union appointed Barry Cooper as its Chief Accounting Officer, effective July 1, 2025, replacing no named predecessor in the filing. Cooper previously served as Senior Vice President and Controller at Envestnet and held controller roles at Echostar and First Data.
Barry Cooper, age 58, appointed Chief Accounting Officer on June 27, 2025, effective July 1, 2025
Initial annual base salary of $300,000 and annual incentive target of $350,000, split between cash and equity
Sign-on grant of restricted stude units under the 2024 Long-Term Incentive Plan with a grant date fair value of $250,000
Western Union said its Chief Operations Officer, Andrew Walker, notified the company on May 16, 2025 that he intends to resign effective June 13, 2025. The company said he is leaving for personal reasons and that the departure is not related to its operations, policies, practices, or accounting matters.
Andrew Walker, Chief Operations Officer, intends to resign effective June 13, 2025
Notice to the company was given on May 16, 2025; the 8-K was filed May 22, 2025
Company states the resignation is for personal reasons with no disagreements, and is unrelated to operations or accounting
Western Union reported first-quarter 2025 revenue of $984 million, down 6% from a year earlier, mainly because of a lower contribution from Iraq. GAAP EPS was $0.36, down from $0.41, and adjusted EPS was $0.41, down from $0.45. The company reaffirmed its full-year 2025 outlook, which projects adjusted EPS of $1.75 to $1.85.
Revenue of $984 million, down 6% on a reported basis; down 2% excluding Iraq
GAAP EPS $0.36 vs. $0.41 a year earlier; adjusted EPS $0.41 vs. $0.45
Branded Digital revenue rose 7% and transactions rose 14% versus the prior year period
2025 outlook reaffirmed: adjusted EPS of $1.75 to $1.85 and GAAP EPS of $1.54 to $1.64
Western Union reported fourth-quarter 2024 revenue of $1.1 billion, up 1% from a year earlier, and full-year revenue of $4.2 billion, down 3%. Q4 GAAP EPS was $1.13, but that figure included a $0.75 tax benefit, while adjusted EPS rose to $0.40 from $0.37; the company also set 2025 guidance and approved a $0.235 quarterly dividend.
Q4 revenue of $1.1 billion (about $1,058.2 million) rose 1% from $1,052.3 million; Consumer Services revenue grew 56%.
Q4 GAAP EPS was $1.13 versus $0.35, including a $0.75 tax benefit; adjusted EPS was $0.40 versus $0.37.
2025 outlook: GAAP revenue of $4,090 million to $4,190 million and adjusted EPS of $1.75 to $1.85, versus full-year 2024 adjusted EPS of $1.74.
Board approved a $0.235 per share dividend payable March 31, 2025, to holders of record on March 17, 2025.
Western Union said its Chief Accounting Officer and Controller, Mark Hinsey, notified the company on January 7, 2025, that he intends to retire effective June 30, 2025. The company plans to start a process to appoint a successor, and the filing does not name a replacement.
Mark Hinsey, Chief Accounting Officer and Controller, intends to retire effective June 30, 2025
Notice to the company was given January 7, 2025
The company intends to initiate a process to appoint a successor
The filing does not name a successor or describe any compensation arrangements
Western Union extended the termination date of its unsecured credit agreement by one year to November 30, 2029, and increased its revolving credit commitments by $310 million to a total of $1.56 billion, both effective November 30, 2024. The changes give the company a longer borrowing horizon and more revolving capacity under the existing facility, which was originally $1.25 billion.
Termination date extended one year to November 30, 2029, under Section 2.25 of the Credit Agreement
Revolving credit commitments increased by $310 million to $1.56 billion under Section 2.20
The original agreement, entered November 30, 2023, provided for $1.25 billion in unsecured financing
Both changes became effective November 30, 2024; the filing was dated December 4, 2024
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every Western Union filing is on SEC EDGAR ↗. 8-K briefs of other companies →