Skip to content
- Western Union beats Q3 2025 earnings expectations with an EPS of $0.47 against forecasts of $0.43.
- The company continues its digital transformation, expanding its global payment network and digital wallet services.
- Stablecoin and blockchain initiatives begin to shape Western Union’s future in cross-border remittances.
According to the report, The Western Union Company delivered a strong third quarter for 2025, surpassing earnings estimates and showing steady progress in its digital transformation journey, with bitcoin playing a growing role in its evolving financial ecosystem.
The world’s leading remittances company recorded an EPS of $0.47, beating consensus estimates of $0.43, driven by expense management and strong growth in consumer services.
The company recorded revenue of $1.03 billion, down by 1% from the previous year, excluding the effect from Iraq. Despite challenges, the company remained a strong player in the global money transfer market.
Western Union’s CEO, Devin McGranahan, pointed to the company’s shift towards a digital model. Over 40% of total transaction volume is currently processed through digital channels. This is mainly driven by customer needs for faster and more flexible payment options.
Bitcoin and Digital Wallet Adoption Grow Across Key Markets
The company’s digital wallets are operational in seven countries, including Brazil and the United States, having more than half a million total users. Argentina currently contributes around 15% of total inflows to digital wallets, illustrating how adoption is increasing.
Western Union has further plans for expanding in Australia and Mexico, where it is pursuing regulatory approvals. This is in line with its strategy to create a two-sided payment system that will support both traditional and digital currencies.
Western Union has for the first time publicly admitted to trial operations for settlement systems using stablecoins in its treasuries. The company hopes that making use of blockchain networks will lower costs and increase efficiency.
This is a new dawn for the 170-year-old company, as it has always displayed reservations when it comes to digital assets. The company feels that digital technologies will improve efficiency and provide value for its customers. Especially in emerging regions that face problems related to currency volatility.
Western Union Expands Toward Digital Currency Integration
Western Union also hopes to act as a on-ramp and an off-ramp for digital currencies and fiat currencies. Thereby facilitating the connection of regions that lack access to fiat banking services but are embracing cryptocurrencies. This Union sees digital currencies as enablers, not gambling currencies.
The company’s Chief Financial Officer, Matthew Cagwin, reiterated its outlook for the year. Western Union’s forecast for adjusted revenue is $4.03 billion to $4.13 billion, and for adjusted EPS, it is $1.65 to $1.75.
The Consumer Services segment, driven by products such as Travel Money and Prepay, is also anticipated to perform well during the rest of the year. This is because Travel Money, for example, is forecasted to reach $150 million in revenue by 2026.
With its stable cash flow, prudent management, and speedy digital growth. Western Union seems poised to redefine its position in global Finance. That will see traditional money transfers and Blockchain Technologies merge seamlessly.
Related Reading: Arthur Hayes Predicts Bitcoin to Skyrocket to $1 Million with Japan’s Economic Shift
