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Western Union Introduces “Beyond” Strategy and Provides Medium-Term Financial Outlook at Investor Day
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- Revenue expected to improve 20% over the next 3 years to $5B (at mid-point)
- Adjusted earnings per share (EPS) expected to grow 30% over the next 3 years to $2.30 (at mid-point)
- Digital first strategy to create a global two-sided financial services network
- Consumer Services is expected to continue double-digit revenue growth
The Western Union Company (NYSE: WU) (“Western Union” or the “Company”) (www.WesternUnion.com) will host an Investor Day event in New York City today at 1:00 p.m. EST. The previously announced event will feature a presentation from Western Union's executive management team and an overview of the Company's strategic outlook and growth plans. The Company is also providing its medium-term outlook.
“Our vision is for Western Union to make financial services accessible to people everywhere,” said Devin McGranahan, President and CEO of Western Union. “Over the past three years, we have evolved to become a digital-first company, enabled by our retail network, serving customers beyond remittance, all powered by our market-leading platform.”
“Looking ahead,” McGranahan continued, “we expect revenue to improve 20% to $5 billion by 2028. We have a clear, digital-first strategy, driving growth across channels, geographies and products to best meet our customers' growing financial needs.”
Three-Year Financial Outlook
Today, the Company will share the foundation for the next chapter in Western Union's evolution: Beyond. Beyond what customers and agents expect and Beyond traditional definitions of consumer remittances, including an expansion of its Digital Asset Network and its USDPT stablecoin strategy. Western Union will provide its medium-term financial outlook reflecting its new long-term strategy. The Company expects the following in 2028:
|
2028 Outlook Range |
|
|
Revenue |
$4.8 – $5.3 billion |
|
Adjusted EPS* |
$2.15 – $2.45 |
2025 Investor Day Webcast
The event will begin on November 6, 2025, at 1:00 p.m. Eastern Time and conclude at approximately 4:00 p.m. Eastern Time. A live webcast and presentation will be available at https://IR.WesternUnion.com. Registration for the event is required, so please register at least 15 minutes prior to the scheduled start time. A webcast replay will be available after the event.
* The Company has not provided a quantitative reconciliation of forecasted adjusted earnings per share to forecasted GAAP earnings per share because the Company cannot, without unreasonable effort, calculate certain reconciling items with confidence due to the variability, complexity, and limited visibility of the adjusting items that would be excluded from forecasted earnings per share. These items include but are not limited to: severance costs; acquisition, separation, and integration costs; amortization and impairment of acquisition-related intangible assets; non-cash tax impacts of the Company's international reorganization; and income taxes associated with these adjustments. The variability of these items could have a significant impact on the Company's future GAAP financial results.
Safe Harbor Compliance Statement for Forward-Looking Statements:
This press release contains certain statements that are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions that are difficult to predict. Actual outcomes and results may differ materially from those expressed in, or implied by, our forward-looking statements. Words such as “expects,” “intends,” “targets,” “anticipates,” “believes,” “estimates,” “guides,” “provides guidance,” “provides outlook,” “projects,” “designed to,” and other similar expressions or future or conditional verbs such as “may,” “will,” “should,” “would,” “could,” and “might” are intended to identify such forward-looking statements. Readers of this press release of The Western Union Company (the “Company,” “Western Union,” “we,” “our,” or “us”) should not rely solely on the forward-looking statements and should consider all uncertainties and risks discussed in the Risk Factors section of our Annual Report on Form 10-K for the year ended December 31, 2024, and in our subsequent filings with the Securities and Exchange Commission. The statements are only as of the date they are made, and the Company undertakes no obligation to update any forward-looking statement.
Possible events or factors that could cause results or performance to differ materially from those expressed in our forward- looking statements include the following: changes in economic conditions, trade disruptions, or significantly slower growth or declines in the money transfer, payment service, and other markets in which we operate; interruptions in migration patterns or other events, such as public health emergencies, any changes arising as a result of policy changes in the United States and/or other key markets, civil unrest, war, terrorism, natural disasters, or non-performance by our banks, lenders, insurers, or other financial services providers; failure to compete effectively in the money transfer and payment service industry, including among other things, with respect to digital, mobile and internet-based services, card associations, and card-based payment providers, and with digital currencies, including cryptocurrencies; geopolitical tensions, political conditions and related actions, including trade restrictions, tariffs, and government sanctions; deterioration in customer confidence in our business; failure to maintain our agent network and business relationships; our ability to adopt new technology; the failure to realize anticipated financial benefits from mergers, acquisitions and divestitures; decisions to change our business mix; exposure to foreign exchange rates; changes in tax laws, or their interpretation, and unfavorable resolution of tax contingencies; cybersecurity incidents involving any of our systems or those of our vendors or other third parties; cessation of or defects in various services provided to us by third-party vendors; our ability to realize the anticipated benefits from restructuring-related initiatives; our ability to attract and retain qualified key employees; failure to manage credit and fraud risks presented by our agents, clients, and consumers; adverse rating actions by credit rating agencies; our ability to protect our intellectual property rights, and to defend ourselves against potential intellectual property infringement claims; material changes in the market value or liquidity of securities that we hold; restrictions imposed by our debt obligations; liabilities or loss of business resulting from a failure by us, our agents, or their subagents to comply with laws and regulations and regulatory or judicial interpretations thereof; increased costs or loss of business due to regulatory initiatives and changes in laws, regulations, and industry practices and standards; developments resulting from governmental investigations and consent agreements with, or investigations or enforcement actions by, regulators and other government authorities; liabilities resulting from litigation; failure to comply with regulations and evolving industry standards regarding data privacy; failure to comply with consumer protection laws; effects of unclaimed property laws or their interpretation or the enforcement thereof; failure to comply with working capital requirements; changes in accounting standards, rules and interpretations; and other unanticipated events and management's ability to identify and manage these and other risks.
Contacts:
Investor Relations:
Tom Hadley
WesternUnion.IR@westernunion.com
Media Relations:
Amanda Demarest
media@westernunion.com
About Western Union:
The Western Union Company (NYSE: WU) is committed to helping people around the world who aspire to build financial futures for themselves, their loved ones and their communities. Our leading cross-border, cross-currency money movement, payments and digital financial services empower consumers, businesses, financial institutions and governments—across more than 200 countries and territories and over 130 currencies—to connect with billions of bank accounts, millions of digital wallets and cards, and a global footprint of hundreds of thousands of retail locations. Our goal is to offer accessible financial services that help people and communities prosper. For more information, visit www.WesternUnion.com.
From Soil to Systems: How Zimbabwe is scaling innovation for food security and rural transformation
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In rural Zimbabwe, where dry riverbeds once marked the end of each farming season, a silent agricultural revolution is underway. Solar-powered irrigation, satellite analytics, digital advisory tools, and science-based food safety solutions are redefining how smallholder farmers grow food, access markets, and build resilience. With support from the Government of Zimbabwe, the European Union (EU), the Fleming Fund, the African Development Bank (AfDB) and the AFC Land and Development Bank (AFC) and technical leadership and support from the Food and Agriculture Organization of the United Nations (FAO), transformative innovations are moving from pilots to practice, reshaping lives and landscapes.
Unlocking Water: Turning dry riverbeds into lifelines
For years, farmers in semi-arid regions faced seasonal production due to drying dams and erratic rainfall. With support from the EU, solar-powered irrigation systems combined with sand-abstraction technology — which taps hidden water beneath dry riverbeds — are now restoring year-round agriculture. These systems reduce labour, save energy, conserve water, and significantly increase yields. “We used to watch our dam dry up every year. Now, we grow crops all year round,” shared David Ndou, Chairperson at Sivuli irrigation scheme.
Grounded in indigenous knowledge systems and enhanced by modern engineering, this approach demonstrates how local solutions integrated with technology can deliver climate resilience and commercial potential.
Digital Villages Initiative: Connecting farmers to the future
Innovation in Zimbabwe stretches beyond water systems. Through FAO's Digital Villages initiative, rural farmers are gaining access to digital identities, geo-referenced advisory services, mobile market platforms, AI-enabled crop insights, and agricultural information systems. More than 5 000 farmers — especially women — have already benefited from digital literacy and service access, enabling them to make informed decisions and connect to markets.
Women farmers are actively investing in smartphones to participate more fully in digital agriculture. “We are seeing women buying smartphones because they now see direct value through better extension support and market access,” noted lead farmer Sheyi Kahushe. This shift marks a major step toward bridging rural digital divides and accelerating inclusive growth.
Satellite-Powered Insights: A new era of data-driven agrifood systems
FAO's Earth Observation for Agricultural Statistics (EOSTAT) is helping Zimbabwe harness satellite data to generate timely, reliable crop and yield estimates, achieving over 80 percent accuracy. The system tracks droughts and floods in real time, strengthening early warning and enabling faster, evidence-based responses to protect food security.
The initiative is also building national capacity by training specialists from the Zimbabwe Space Agency, National University of Science and Technology, and other key institutions in advanced geospatial analysis.
According to Hillary Mugiyo, Early Warning Specialist in the Ministry's Agricultural and Rural Development Advisory Services Directorate, “EOSTAT is modernizing agricultural monitoring through digital innovation and driving Zimbabwe's shift toward data-driven, climate-smart agriculture.”
Financing Resilience: Seed Revolving Fund boosts wheat and maize production
To enhance efficiency, transparency, and accessibility in agriculture finance and input supply systems, FAO in partnership with AfDB and AFC Land Bank has introduced digital solutions into the loan management system. AFC now uses an e-voucher platform to enable farmers to access and receive inputs from suppliers, while the system tracks loan disbursement, repayment, and utilization in real time. This technology ensures that funds reach the intended beneficiaries quickly, reduces administrative delays, and allows both FAO and the AFC Land Bank to monitor progress and respond promptly to challenges. By combining digital loan management with traditional financing mechanisms, the programme is not only scaling production but also modernizing agricultural finance, making it more accountable, inclusive, and farmer friendly.
This support facilitated the cultivation of over 17 000 hectares of winter wheat and 72 000 hectares of maize under the Seed Revolving Fund; a milestone aligned with Zimbabwe's efforts to achieve wheat self-sufficiency and enhance food security.
Safer Food Systems: Combating Antimicrobial Resistance (AMR)
With support from the Fleming Fund and the AMR Multi-Partner Trust Fund, FAO is helping Zimbabwe modernize its food safety systems by rehabilitating 14 sentinel laboratories and promoting responsible antibiotic use in livestock production.
The upgraded labs now provide real-time data on resistant bacteria—helping detect outbreaks faster, guide treatment, and shape stronger health policies. Farmers, meanwhile, are adopting better hygiene, biosecurity, and animal care practices, reducing reliance on antibiotics.
These efforts are protecting consumers, safeguarding vital medicines, and reinforcing the One Health approach that connects human, animal, and environmental wellbeing. Paving the way for a safer, more resilient agrifood system.
Innovation in Action
“Innovation is more than an idea - it is action and collaboration that delivers impact,” said Tendai Munyokoveri, Assistant FAO Representative – Programmes. “In Zimbabwe, we are showcasing solutions that work, partnerships that deliver, and ideas that grow into meaningful change.”
From sand-abstracted water and solar power to satellite intelligence and mobile-enabled advisory services, Zimbabwe's transformation demonstrates how integrated innovation can accelerate food systems resilience. With continued investment, public–private partnerships, and community-driven leadership, these solutions offer replicable pathways for climate-smart, digitally-enabled agriculture across Africa and beyond.
Distributed by APO Group on behalf of Food and Agriculture Organization of the United Nations (FAO): Regional Office for Africa.Categories
