---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-116638"
form_type: "8-K"
ticker: "WU"
cik: "0001365135"
company_name: "Western Union CO"
filed_at: "2024-10-23T23:59:59+00:00"
generated_at: "2026-05-30T11:01:36.897525+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Western Union Q3 rev $1.04B, down 6%; adj rev up 1% ex-Iraq; GAAP EPS $0.78 on IRS settlement

## Summary
- Q3 GAAP revenue $1.04B (-6%); adjusted revenue ex-Iraq up 1%; Branded Digital rev +8% (adj +9%), transactions +15%.
- GAAP EPS $0.78 (incl $0.40 IRS settlement benefit); adjusted EPS $0.46 vs $0.43 prior year.
- Consumer Services revenue +32% reported (+15% adj) driven by retail FX and media network; CMT transactions +3%.
- FY 2024 adjusted outlook reaffirmed: adj rev $4,150-4,225M, adj EPS $1.70-$1.80, adj op margin 19-21%.
- GAAP operating margin 15.9% vs 19.2% prior; adjusted 19.1% vs 19.6%, down on Iraq headwind and investments.

## SEC filing metadata
- accession: 0000950170-24-116638
- form_type: 8-K
- ticker: WU
- cik: 0001365135
- company_name: Western Union CO
- filed_at: 2024-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1365135/000095017024116638/0000950170-24-116638-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1365135/000095017024116638/wu-20241023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-116638
- JSON: https://secwatch.observer/filing/0000950170-24-116638.json
- Plain text: https://secwatch.observer/filing/0000950170-24-116638.txt

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