secwatch.observer — SEC 8-K summary
======================================

Issuer:     Western Union CO (WU)
CIK:        0001365135
Form:       8-K
Filed at:   2025-10-23T23:59:59+00:00
Accession:  0001193125-25-248746
Event type: earnings
Sentiment:  neutral
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Western Union Q3 revenue flat at $1.03B; adjusted EPS up to $0.47; Consumer Services +49%
--------------------------------------------------------------------------------

- GAAP revenue $1.03B flat YoY; adjusted revenue ex-Iraq down 1%.
- GAAP EPS $0.43 (down from $0.78 on prior-year IRS benefit); adjusted EPS $0.47 (up from $0.46).
- Consumer Services revenue grew 49% driven by Travel Money/Eurochange acquisition; Branded Digital revenue +7% (transactions +12%).
- CMT revenue declined 6% (adjusted -7% ex-Iraq); transactions down 2%.
- Full-year 2025 outlook unchanged: GAAP revenue $4,085-4,185M; adjusted EPS $1.65-1.75.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1365135/000119312525248746/0001193125-25-248746-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1365135/000119312525248746/wu-20251023.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-248746

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer