---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-22-019761"
form_type: "8-K"
ticker: "WU"
cik: "0001365135"
company_name: "Western Union CO"
filed_at: "2022-10-20T23:59:59+00:00"
generated_at: "2026-06-23T02:14:25.087544+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Western Union unveils Evolve 2025 strategy; provides 2023-2025 financial outlook

## Summary
- 2023 outlook: GAAP revenue -10% to -8%; adjusted (constant currency) -4% to -2%; EPS $1.55-$1.65; operating margin 19%-21%.
- By 2025: revenue growth of 2% with annual improvement; operating margin 19%-21%; EPS mid-single digit growth.
- Operational efficiency program aims to redeploy ~$150M in expenses over 5 years via vendor, real estate, marketing, and people cost optimizations.
- Impacts include sale of Business Solutions, loss of two European agents (Q4 2022 and Q2 2023), Russia/Belarus suspension, and USD strength.
- CEO McGranahan says strategy builds on 600K agent locations, strong compliance, to provide essential financial services beyond money transfer.

## SEC filing metadata
- accession: 0000950170-22-019761
- form_type: 8-K
- ticker: WU
- cik: 0001365135
- company_name: Western Union CO
- filed_at: 2022-10-20T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1365135/000095017022019761/0000950170-22-019761-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1365135/000095017022019761/wu-20221020.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-22-019761
- JSON: https://secwatch.observer/filing/0000950170-22-019761.json
- Plain text: https://secwatch.observer/filing/0000950170-22-019761.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.