Western Union CO

For the period ended Dec 31, 2025. Filed Feb 20, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 20, 2026

WU$6.86-0.3%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits

Contents

Cover page Table of Contents

PART I

Item 1. Business (no text here)

Item 1. Business

Item 1A. Risk Factors (no text here)

Item 1A. Risk Factors

Item 1B. Unresolved Staff Comments (no text here)

Item 1B. Unresolved Staff Comments

Item 1C. Cybersecurity (no text here)

Item 1C. Cybersecurity

Item 2. Properties (no text here)

Item 2. Properties

Item 3. Legal Proceedings (no text here)

Item 3. Legal Proceedings

Item 4. Mine Safety Disclosures (no text here)

Item 4. Mine Safety Disclosures

PART II

Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities (no text here)

Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

Item 6. [Reserved (no text here)

Item 6. [Reserved] (no text here)

Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations (no text here)

Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations Results of Operations Item 7A. Quantitative and Qualitative Disclosures About Market Risk

Item 8. Financial Statements and Supplementary Data (no text here)

Item 8. Financial Statements and Supplementary Data Management’s Report on Internal Control Over Financial Reporting Reports of Independent Registered Public Accounting Firm (PCAOB ID: 42)Consolidated Statements of Income for each of the three years in the period ended December 31, 2025 Consolidated Statements of Comprehensive Income for each of the three years in the period ended December 31, 2025 Consolidated Balance Sheets as of December 31, 2025 and 2024 Consolidated Statements of Cash Flows for each of the three years in the period ended December 31, 2025 Consolidated Statements of Stockholders’ Equity for each of the three years in the period ended December 31, 2025 Notes to Consolidated Financial Statements 3. Revenue 5. Commitments and Contingencies 6. Related Party Transactions 7. Settlement Assets and Obligations 8. Fair Value Measurements 9. Other Assets and Other Liabilities 10. Income Taxes 11. Leases 12. Stockholders’ Equity 13. Derivatives 14. Borrowings 15. Stock-Based Compensation Plans 16. Segments Schedule I - Condensed Financial Information of the Registrant (Parent Company Only)2. Restricted Net Assets 3. Related Party Transactions 5. Commitments, Contingencies, and Guarantees

Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure (no text here)

Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure

Item 9A. Controls and Procedures (no text here)

Item 9A. Controls and Procedures

Item 9B. Other Information (no text here)

Item 9B. Other Information

Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections (no text here)

Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections

PART III

Item 10. Directors, Executive Officers and Corporate Governance (no text here)

Item 10. Directors, Executive Officers, and Corporate Governance

Item 11. Executive Compensation (no text here)

Item 11. Executive Compensation

Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters (no text here)

Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

Item 13. Certain Relationships and Related Transactions, and Director Independence (no text here)

Item 13. Certain Relationships and Related Transactions, and Director Independence

Item 14. Principal Accountant Fees and Services (no text here)

Item 14. Principal Accountant Fees and Services

PART IV

Item 15. Exhibit and Financial Statement Schedules (no text here)

Item 15. Exhibit and Financial Statement Schedules

Item 16. Form 10‑K Summary (no text here)

Item 16. Form 10‑K Summary

6. Related Party Transactions

The Company has ownership interests in certain of its agents accounted for under the equity method of accounting. The Company pays these agents commissions for money transfer and other services provided on the Company’s behalf. Commission expense recognized for these agents for the years ended December 31, 2025, 2024, and 2023 totaled$40.9 million,$45.5 million, and$45.4 million, respectively.

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.