Every material Form 8-K Western Union filed with the SEC in 2025, 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 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
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 →