---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-23-055182"
form_type: "8-K"
ticker: "WU"
cik: "0001365135"
company_name: "Western Union CO"
filed_at: "2023-10-25T23:59:59+00:00"
generated_at: "2026-06-09T10:02:52.522202+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Western Union Q3 revenue $1.10B (+7% adj.); EPS $0.46/$0.43; raises FY outlook

## Summary
- Q3 GAAP revenue $1.10B, up 7% adjusted constant currency; GAAP EPS $0.46, adjusted EPS $0.43, both +2% YoY.
- Branded digital revenue +3%, transactions +12% YoY; C2C transactions +5% (including Iraq +2% retail).
- GAAP operating margin 19.2% vs 21.3%; adjusted margin 19.6% vs 20.6% due to higher tech and variable costs.
- Full-year 2023 outlook improved: adjusted revenue 0% to 1%, GAAP EPS $1.67-$1.74, adjusted EPS $1.68-$1.75.
- YTD operating cash flow $519M; returned $363M to shareholders ($263M dividends, $100M buybacks).

## SEC filing metadata
- accession: 0000950170-23-055182
- form_type: 8-K
- ticker: WU
- cik: 0001365135
- company_name: Western Union CO
- filed_at: 2023-10-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1365135/000095017023055182/0000950170-23-055182-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1365135/000095017023055182/wu-20231025.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-055182
- JSON: https://secwatch.observer/filing/0000950170-23-055182.json
- Plain text: https://secwatch.observer/filing/0000950170-23-055182.txt

## Key facts
- Earnings Releases
  Western Union CO reported third quarter of 2023 results: revenue $1.10 billion, EPS $0.46. Guidance raised.
  - Period: third quarter of 2023
  - Revenue: $1.10 billion
  - EPS: $0.46
  - Guidance: raised
  - Result: reported results
  source text: Western Union Reports Third Quarter 2023 Results • Q3 GAAP revenue of $1.10 billion grew 1% on a reported basis, or 7% on an adjusted basis • Q3 GAAP EPS of $0.46 and Q3 adjusted EPS of $0.43
  evidence_url: https://www.sec.gov/Archives/edgar/data/1365135/000095017023055182/0000950170-23-055182-index.htm

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