Western Union CO
For the period ended Nov 4, 2026. Filed Nov 4, 2026.
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A notice of a major event between regular reports, such as results, a deal or a change of executives. It is often the first formal record of the news.
Nov 4, 2026 · Filed Nov 4, 2026
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Contents
EX-99.1 · SUMMARY SEGMENT DATA
SUMMARY SEGMENT DATA
| Three Months Ended · Nine Months Ended | ||||||
|---|---|---|---|---|---|---|
| September 30, | September 30, | |||||
| 2026 | 2025 | % Change | 2026 | 2025 | % Change | |
| Revenues: | ||||||
| Consumer Money Transfer | $857.2 | $878.0 | (2)% | $2,568.7 | $2,635.9 | (3)% |
| Consumer Services | 152.1 | 154.6 | (2)% | 436.5 | 406.4 | 7% |
| Total consolidated revenues | $1,009.3 | $1,032.6 | (2)% | $3,005.2 | $3,042.3 | (1)% |
| Segment operating income: | ||||||
| Consumer Money Transfer | $146.8 | $172.2 | (15)% | $383.0 | $499.2 | (23)% |
| Consumer Services | 31.6 | 34.0 | (7)% | 71.1 | 92.7 | (23)% |
| Total segment operating income | 178.4 | 206.2 | (13)% | 454.1 | 591.9 | (23)% |
| Severance release/(costs) (a) | (2.6) | 0.4(f) | (11.0) | (9.5) | 16% | |
| Acquisition, separation, and integration costs (b) | (4.7) | (3.0) | 55% | (11.6) | (6.0) | 92% |
| Amortization of acquisition-related intangible assets (c) | (2.4) | (1.0)(f) | (6.0) | (2.1)(f) | ||
| Russia termination costs (d) | (0.6) | (0.7) | 2% | (2.3) | (2.3) | 2% |
| Beyond efficiency program (e) | (37.3) | —(f) | (37.3) | —(f) | ||
| Total consolidated operating income | $130.8 | $201.9 | (35)% | $385.9 | $572.0 | (33)% |
| Segment operating income margin: | ||||||
| Consumer Money Transfer | 17% | 20% | (3)% | 15% | 19% | (4)% |
| Consumer Services | 21% | 22% | (1)% | 16% | 23% | (7)% |
(a)
Represents severance costs not related to acquisition, separation, and integration activities, and the Company's Beyond efficiency program, which have been excluded from the segments as management excludes severance in making operating decisions, including allocating resources to the Company's segments.
(b)
Represents the impact from expenses incurred in connection with the Company's acquisition and divestiture activity, including for the review and closing of these transactions, and integration costs directly related to the Company’s acquisitions, such as severance and consulting costs.
(c)
Represents the non-cash amortization of acquired intangible assets in connection with recent business acquisitions.
(d)
Represents the costs associated with operating the Company's Russian entity. In 2024, the Company decided to pursue either liquidating or selling its Russian assets. During 2025, the Company signed a definitive sale agreement, as amended. The final regulatory approval for the sale was received in October 2026, and the Company anticipates closing the transaction as soon as reasonably practicable upon satisfaction of remaining closing conditions.
(e)
Represents the one-time costs associated with the Company's Beyond efficiency program which was previously announced in July 2026, including employee termination costs related to a voluntary retirement program initiated in the United States, severance costs related to relocating one of the Company's regional operating centers, and other workforce reductions.
(f)
Calculation not meaningful.
| Notes* | 3Q25 | 4Q25 | FY2025 | 1Q26 | 2Q26 | 3Q26 | YTD 3Q26 | |
|---|---|---|---|---|---|---|---|---|
| Consolidated Metrics | ||||||||
| Revenues (GAAP) - YoY % change | 0% | (5)% | (4)% | 0% | (1)% | (2)% | (1)% | |
| Adjusted revenues (non-GAAP) - YoY % change | (a) | (2)% | (5)% | (5)% | (1)% | (1)% | (1)% | (1)% |
| Operating margin (GAAP) | 20% | 18% | 19% | 13% | 13% | 13% | 13% | |
| Adjusted operating margin (non-GAAP) | (b) | 20% | 20% | 20% | 13% | 15% | 18% | 15% |
| Consumer Money Transfer (CMT) Segment Metrics | ||||||||
| Revenues (GAAP) - YoY % change | (6)% | (7)% | (8)% | (3)% | (2)% | (2)% | (3)% | |
| Adjusted revenues (non-GAAP) - YoY % change | (g) | (7)% | (9)% | (8)% | (6)% | (3)% | (2)% | (4)% |
| Transactions (in millions) | 70.6 | 73.1 | 285.9 | 71.1 | 73.5 | 72.1 | 216.7 | |
| Transactions - YoY % change | (3)% | (2)% | (1)% | 0% | 3% | 2% | 2% | |
| Cross-border principal, as reported - YoY % change | 5% | 4% | 4% | 5% | 2% | 1% | 2% | |
| Cross-border principal (constant currency) - YoY % change | (h) | 3% | 2% | 3% | 1% | 1% | 1% | 1% |
| Operating margin | 20% | 20% | 19% | 13% | 15% | 17% | 15% | |
| Branded Digital revenues (GAAP) - YoY % change[2] | (gg) | 7% | 7% | 7% | 9% | 8% | 8% | 8% |
| Branded Digital foreign currency translation and Argentina hyperinflation impact[1] | (j) | (1)% | (1)% | (1)% | (3)% | (1)% | 0% | 0% |
| Adjusted Branded Digital revenues (non-GAAP) - YoY % change | (gg) | 6% | 6% | 6% | 6% | 7% | 8% | 8% |
| Branded Digital transactions - YoY % change | (gg) | 12% | 13% | 12% | 21% | 27% | 21% | 23% |
| Notes* | 3Q25 | 4Q25 | FY2025 | 1Q26 | 2Q26 | 3Q26 | YTD 3Q26 | |
|---|---|---|---|---|---|---|---|---|
| CMT Segment Regional Metrics - YoY % change | ||||||||
| NA region revenues (GAAP) | (aa), (bb) | (12)% | (13)% | (11)% | (11)% | (9)% | (7)% | (9)% |
| NA region foreign currency translation impact | (j) | 0% | 0% | 1% | 1% | 1% | 1% | 1% |
| Adjusted NA region revenues (non-GAAP) | (aa), (bb) | (12)% | (13)% | (10)% | (10)% | (8)% | (6)% | (8)% |
| NA region transactions | (aa), (bb) | (8)% | (6)% | (6)% | (5)% | (5)% | (4)% | (5)% |
| EU & CIS region revenues (GAAP) | (aa), (cc) | 8% | 6% | 6% | 5% | 0% | 0% | 1% |
| EU & CIS region foreign currency translation impact | (j) | (5)% | (6)% | (3)% | (7)% | (2)% | 0% | (2)% |
| Adjusted EU & CIS region revenues (non-GAAP) | (aa), (cc) | 3% | 0% | 3% | (2)% | (2)% | 0% | (1)% |
| EU & CIS region transactions | (aa), (cc) | 4% | 1% | 5% | (1)% | (2)% | 1% | (1)% |
| MEASA region revenues (GAAP) | (aa), (dd) | (12)% | (14)% | (20)% | 1% | 13% | 6% | 7% |
| MEASA region foreign currency translation impact | (j) | (1)% | (1)% | 0% | (1)% | (1)% | 0% | (1)% |
| Adjusted MEASA region revenues (non-GAAP) | (aa), (dd) | (13)% | (15)% | (20)% | 0% | 12% | 6% | 6% |
| MEASA region transactions | (aa), (dd) | 3% | 2% | 1% | 22% | 44% | 29% | 31% |
| LACA region revenues (GAAP) | (aa), (ee) | (8)% | (11)% | (11)% | (4)% | (4)% | (5)% | (4)% |
| LACA region foreign currency translation and Argentina hyperinflation impact[1] | (j) | 0% | (1)% | 1% | (3)% | (2)% | (3)% | (3)% |
| Adjusted LACA region revenues (non-GAAP) | (aa), (ee) | (8)% | (12)% | (10)% | (7)% | (6)% | (8)% | (7)% |
| LACA region transactions | (aa), (ee) | (7)% | (8)% | (7)% | (8)% | (10)% | (12)% | (10)% |
| APAC region revenues (GAAP) | (aa), (ff) | (8)% | 0% | (4)% | (3)% | (7)% | (4)% | (5)% |
| APAC region foreign currency translation impact | (j) | 1% | 0% | 1% | (2)% | 0% | 1% | 0% |
| Adjusted APAC region revenues (non-GAAP) | (aa), (ff) | (7)% | 0% | (3)% | (5)% | (7)% | (3)% | (5)% |
| APAC region transactions | (aa), (ff) | 7% | 8% | 9% | (2)% | 1% | 0% | 0% |
| Notes* | 3Q25 | 4Q25 | FY2025 | 1Q26 | 2Q26 | 3Q26 | YTD 3Q26 | |
|---|---|---|---|---|---|---|---|---|
| % of CMT Revenue | ||||||||
| NA region revenues | (aa), (bb) | 37% | 37% | 38% | 35% | 36% | 35% | 36% |
| EU & CIS region revenues | (aa), (cc) | 30% | 30% | 29% | 30% | 30% | 31% | 30% |
| MEASA region revenues | (aa), (dd) | 16% | 16% | 16% | 18% | 18% | 17% | 18% |
| LACA region revenues | (aa), (ee) | 11% | 11% | 11% | 11% | 11% | 11% | 11% |
| APAC region revenues | (aa), (ff) | 6% | 6% | 6% | 6% | 5% | 6% | 5% |
| Consumer Services (CS) | ||||||||
| Revenues (GAAP) - YoY % change | 49% | 15% | 32% | 24% | 4% | (2)% | 7% | |
| Adjusted revenues (non-GAAP) - YoY % change | (i) | 49% | 26% | 29% | 33% | 12% | 5% | 15% |
| Operating margin | 22% | 17% | 21% | 12% | 16% | 21% | 16% | |
| % of Total Company Revenue (GAAP) | ||||||||
| Consumer Money Transfer segment revenues | 85% | 86% | 87% | 86% | 85% | 85% | 85% | |
| Consumer Services segment revenues | 15% | 14% | 13% | 14% | 15% | 15% | 15% | |
- See the “Notes to Key Statistics” section of the press release for the applicable Note references and the reconciliation of non-GAAP financial measures, unless already reconciled herein.
[1] Beginning with the second quarter of 2025, the Company no longer adjusts for the estimated impact of Argentinian hyperinflation in its non-GAAP revenue results, as inflation in the country has moderated significantly - from over 200% in recent years to less than 50% since the second quarter of 2025.
[2] Beginning with the second quarter of 2026, Branded Digital revenues and transactions include digital wallet remittances. As a result, percentages for the second quarter of 2026 differ from those previously disclosed.
Western Union’s management believes the non-GAAP financial measures presented within this press release and related tables provide meaningful supplemental information regarding the Company’s results to assist management, investors, analysts, and others in understanding the Company’s financial results and to better analyze operating, profitability, and other financial performance trends in the Company’s underlying business because they provide consistency and comparability to prior periods or eliminate currency volatility, increasing the comparability of the Company's underlying results and trends.
A non-GAAP financial measure should not be considered in isolation or as a substitute for the most comparable GAAP financial measure. A non-GAAP financial measure reflects an additional way of viewing aspects of the Company’s operations that, when viewed with the Company’s GAAP results and the reconciliation to the corresponding GAAP financial measure, provides a more complete understanding of the Company’s business. Users of the financial statements are encouraged to review the Company’s financial statements and publicly-filed reports in their entirety and not to rely on any single financial measure. A reconciliation of non-GAAP financial measures to the most directly comparable GAAP financial measures is included below, where not previously reconciled above.
| Notes · 3Q25 · 4Q25 · FY2025 · 1Q26 · 2Q26 · 3Q26 · YTD 3Q26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Consolidated Metrics | |||||||||
| (a) | Revenues (GAAP) | $1,032.6 | $1,008.4 | $4,050.7 | $982.7 | $1,013.2 | $1,009.3 | $3,005.2 | |
| Foreign currency translation and Argentina hyperinflation impact[1] | (j) | (15.1) | (4.1) | (37.6) | (12.7) | 2.5 | 10.4 | 0.2 | |
| Revenues, constant currency, net of Argentina hyperinflation[1] (non-GAAP) | $1,017.5 | $1,004.3 | $4,013.1 | $970.0 | $1,015.7 | $1,019.7 | $3,005.4 | ||
| Less Iraq revenues (GAAP) | (p) | (2.2) | (2.3) | (15.8) | (6.5) | (10.3) | (11.9) | (28.7) | |
| Adjusted revenues, excluding Iraq (non-GAAP) | $1,015.3 | $1,002.0 | $3,997.3 | $963.5 | $1,005.4 | $1,007.8 | $2,976.7 | ||
| Prior year revenues (GAAP) | $1,036.0 | $1,058.2 | $4,209.7 | $983.6 | $1,026.1 | $1,032.6 | $3,042.3 | ||
| Less prior year revenues from Iraq (GAAP) | (p) | (9.5) | (6.6) | (115.3) | (6.6) | (4.7) | (2.2) | (13.5) | |
| Adjusted prior year revenues, excluding Iraq (non-GAAP) | $1,026.5 | $1,051.6 | $4,094.4 | $977.0 | $1,021.4 | $1,030.4 | $3,028.8 | ||
| Revenues (GAAP) - YoY % change | 0% | (5)% | (4)% | 0% | (1)% | (2)% | (1)% | ||
| Adjusted revenues (non-GAAP) - YoY % change | (2)% | (5)% | (5)% | (1)% | (1)% | (1)% | (1)% | ||
| Adjusted revenues, excluding Iraq (non-GAAP) - YoY % change | (1)% | (5)% | (2)% | (1)% | (2)% | (2)% | (2)% | ||
| Notes · 3Q25 · 4Q25 · FY2025 · 1Q26 · 2Q26 · 3Q26 · YTD 3Q26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Consolidated Metrics cont. | |||||||||
| (b) | Operating income (GAAP) | $201.9 | $185.3 | $757.3 | $123.0 | $132.1 | $130.8 | $385.9 | |
| Acquisition, separation, and integration costs | (l) | 3.0 | 4.9 | 10.9 | 2.1 | 4.8 | 4.7 | 11.6 | |
| Amortization of acquisition-related intangible assets | (m) | 1.0 | 1.3 | 3.4 | 1.2 | 2.4 | 2.4 | 6.0 | |
| Severance costs/(release) | (q) | (0.4) | 6.3 | 15.8 | (0.5) | 8.9 | 2.6 | 11.0 | |
| Russia termination costs | (n) | 0.7 | 0.8 | 3.1 | 0.9 | 0.8 | 0.6 | 2.3 | |
| Beyond efficiency program | (s) | — | — | — | — | — | 37.3 | 37.3 | |
| Adjusted operating income (non-GAAP) | $206.2 | $198.6 | $790.5 | $126.7 | $149.0 | $178.4 | $454.1 | ||
| Operating margin (GAAP) | 20% | 18% | 19% | 13% | 13% | 13% | 13% | ||
| Adjusted operating margin (non-GAAP) | 20% | 20% | 20% | 13% | 15% | 18% | 15% | ||
| (c) | Net income (GAAP) | $139.6 | $114.4 | $499.6 | $64.7 | $76.7 | $78.0 | $219.4 | |
| Acquisition, separation, and integration costs | (l) | 3.0 | 4.9 | 10.9 | 2.1 | 4.8 | 4.7 | 11.6 | |
| Amortization of acquisition-related intangible assets | (m) | 1.0 | 1.3 | 3.4 | 1.2 | 2.4 | 2.4 | 6.0 | |
| Severance costs/(release) | (q) | (0.4) | 6.3 | 15.8 | (0.5) | 8.9 | 2.6 | 11.0 | |
| Russia termination costs and currency remeasurement | (n) | 0.9 | 0.7 | 2.4 | 1.0 | 0.7 | 0.6 | 2.3 | |
| Beyond efficiency program | (s) | — | — | — | — | — | 37.3 | 37.3 | |
| IRS settlement | (o) | (3.5) | 9.4 | 5.9 | — | — | — | — | |
| Non-cash tax impacts of international reorganization | (r) | 11.5 | 10.2 | 43.2 | 11.7 | 6.6 | 15.0 | 33.3 | |
| Income tax benefit from other adjustments | (l), (m), (n), (q), (s) | (0.9) | (2.5) | (6.6) | (0.7) | (3.7) | (10.1) | (14.5) | |
| Adjusted net income (non-GAAP) | $151.2 | $144.7 | $574.6 | $79.5 | $96.4 | $130.5 | $306.4 | ||
| Notes · 3Q25 · 4Q25 · FY2025 · 1Q26 · 2Q26 · 3Q26 · YTD 3Q26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Consolidated Metrics cont. | |||||||||
| (d) | Net income (GAAP) | $139.6 | $114.4 | $499.6 | $64.7 | $76.7 | $78.0 | $219.4 | |
| Provision for income taxes | 28.0 | 36.7 | 126.1 | 25.4 | 18.7 | 18.1 | 62.2 | ||
| Interest income | (2.4) | (2.0) | (7.9) | (2.0) | (2.2) | (2.6) | (6.8) | ||
| Interest expense | 37.0 | 36.7 | 143.0 | 36.2 | 39.5 | 38.4 | 114.1 | ||
| Depreciation and amortization (not included in amortization of acquisition-related intangible assets) | 41.3 | 42.0 | 165.4 | 45.5 | 46.9 | 47.2 | 139.6 | ||
| Stock-based compensation expense | (t) | 9.9 | 14.6 | 46.6 | 11.3 | 8.1 | 8.7 | 28.1 | |
| Other income, net | (0.3) | (0.5) | (3.5) | (1.3) | (0.6) | (1.1) | (3.0) | ||
| Acquisition, separation, and integration costs | (l) | 3.0 | 4.9 | 10.9 | 2.1 | 4.8 | 4.7 | 11.6 | |
| Amortization of acquisition-related intangible assets | (m) | 1.0 | 1.3 | 3.4 | 1.2 | 2.4 | 2.4 | 6.0 | |
| Severance costs/(release) | (q) | (0.4) | 6.3 | 15.8 | (0.5) | 8.9 | 2.6 | 11.0 | |
| Russia termination costs | (n) | 0.7 | 0.8 | 3.1 | 0.9 | 0.8 | 0.6 | 2.3 | |
| Beyond efficiency program | (s) | — | — | — | — | — | 37.3 | 37.3 | |
| Adjusted EBITDA (non-GAAP) | (k) | $257.4 | $255.2 | $1,002.5 | $183.5 | $204.0 | $234.3 | $621.8 | |
| Notes · 3Q25 · 4Q25 · FY2025 · 1Q26 · 2Q26 · 3Q26 · YTD 3Q26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Consolidated Metrics cont. | |||||||||
| (e) | Effective tax rate (GAAP) | 17% | 24% | 20% | 28% | 20% | 19% | 22% | |
| IRS settlement | (o) | 2% | (6)% | (1)% | 0% | 0% | 0% | 0% | |
| Non-cash tax impacts of international reorganization | (r) | (7)% | (7)% | (7)% | (13)% | (7)% | (16)% | (12)% | |
| Other adjustments | (l), (m), (n), (q), (s) | 0% | 1% | 1% | 0% | 1% | 6% | 2% | |
| Adjusted effective tax rate (non-GAAP) | 12% | 12% | 13% | 15% | 14% | 9% | 12% | ||
| (f) | Diluted earnings per share (GAAP) ($- dollars) | $0.43 | $0.36 | $1.52 | $0.20 | $0.24 | $0.25 | $0.70 | |
| Pretax impacts from the following: | |||||||||
| Acquisition, separation, and integration costs | (l) | 0.01 | 0.02 | 0.03 | 0.01 | 0.02 | 0.01 | 0.04 | |
| Amortization of acquisition-related intangible assets | (m) | — | — | 0.01 | — | 0.01 | 0.01 | 0.02 | |
| Severance costs | (q) | — | 0.02 | 0.05 | — | 0.03 | 0.01 | 0.03 | |
| Russia termination costs and currency remeasurement | (n) | — | — | 0.01 | — | — | — | — | |
| Beyond efficiency program | (s) | — | — | — | — | — | 0.12 | 0.12 | |
| Income tax expense/(benefit) impacts from the following: | |||||||||
| IRS settlement | (o) | (0.01) | 0.03 | 0.02 | — | — | — | — | |
| Non-cash tax impacts of international reorganization | (r) | 0.04 | 0.03 | 0.13 | 0.04 | 0.02 | 0.05 | 0.11 | |
| Other adjustments | (l), (m), (n), (q), (s) | — | (0.01) | (0.02) | — | (0.01) | (0.03) | (0.05) | |
| Adjusted diluted earnings per share (non-GAAP) ($- dollars) | $0.47 | $0.45 | $1.75 | $0.25 | $0.31 | $0.42 | $0.97 | ||
| Notes · 3Q25 · 4Q25 · FY2025 · 1Q26 · 2Q26 · 3Q26 · YTD 3Q26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| CMT Segment Metrics | |||||||||
| (g) | Revenues (GAAP) | $878.0 | $871.5 | $3,507.4 | $845.4 | $866.1 | $857.2 | $2,568.7 | |
| Foreign currency translation and Argentina hyperinflation impact[1] | (j) | (15.5) | (17.2) | (27.0) | (22.4) | (8.7) | 0.6 | (30.5) | |
| Revenues, constant currency, net of Argentina hyperinflation[1] (non-GAAP) | 862.5 | 854.3 | 3,480.4 | 823.0 | 857.4 | 857.8 | 2,538.2 | ||
| Less Iraq revenues (GAAP) | (p) | (2.2) | (2.3) | (15.8) | (6.5) | (10.3) | (11.9) | (28.7) | |
| Adjusted revenues, excluding Iraq (non-GAAP) | $860.3 | $852.0 | $3,464.6 | $816.5 | $847.1 | $845.9 | $2,509.5 | ||
| Prior year revenues (GAAP) | $932.2 | $938.8 | $3,798.0 | $872.9 | $885.0 | $878.0 | $2,635.9 | ||
| Less prior year revenues from Iraq (GAAP) | (p) | (9.5) | (6.6) | (115.3) | (6.6) | (4.7) | (2.2) | (13.5) | |
| Adjusted prior year revenues, excluding Iraq (non-GAAP) | $922.7 | $932.2 | $3,682.7 | $866.3 | $880.3 | $875.8 | $2,622.4 | ||
| Revenues (GAAP) - YoY % change | (6)% | (7)% | (8)% | (3)% | (2)% | (2)% | (3)% | ||
| Adjusted revenues (non-GAAP) - YoY % change | (7)% | (9)% | (8)% | (6)% | (3)% | (2)% | (4)% | ||
| Adjusted revenues, excluding Iraq (non-GAAP) - YoY % change | (7)% | (9)% | (6)% | (6)% | (4)% | (3)% | (4)% | ||
| (h) | Cross-border principal, as reported ($- billions) | $27.2 | $27.7 | $107.4 | $27.0 | $27.2 | $27.3 | $81.5 | |
| Foreign currency translation impact | (j) | (0.5) | (0.6) | (1.1) | (0.9) | (0.3) | 0.1 | (1.1) | |
| Cross-border principal, constant currency ($- billions) | $26.7 | $27.1 | $106.3 | $26.1 | $26.9 | $27.4 | $80.4 | ||
| Prior year cross-border principal, as reported ($- billions) | $25.9 | $26.5 | $102.9 | $25.8 | $26.7 | $27.2 | $79.7 | ||
| Cross-border principal, as reported - YoY % change | 5% | 4% | 4% | 5% | 2% | 1% | 2% | ||
| Cross-border principal, constant currency - YoY % change | 3% | 2% | 3% | 1% | 1% | 1% | 1% | ||
| CS Segment Metrics | |||||||||
| (i) | Revenues (GAAP) | $154.6 | $136.9 | $543.3 | $137.3 | $147.1 | $152.1 | $436.5 | |
| Foreign currency translation and Argentina hyperinflation impact[1] | (j) | 0.4 | 13.1 | (10.5) | 9.8 | 11.2 | 9.7 | 30.7 | |
| Revenues, constant currency, net of Argentina hyperinflation[1] (non-GAAP) | $155.0 | $150.0 | $532.8 | $147.1 | $158.3 | $161.8 | $467.2 | ||
| Prior year revenues (GAAP) | $103.8 | $119.4 | $411.7 | $110.7 | $141.1 | $154.6 | $406.4 | ||
| Revenues (GAAP) - YoY % change | 49% | 15% | 32% | 24% | 4% | (2)% | 7% | ||
| Adjusted revenues (non-GAAP) - YoY % change | 49% | 26% | 29% | 33% | 12% | 5% | 15% | ||
[1] Beginning with the second quarter of 2025, the Company no longer adjusts for the estimated impact of Argentinian hyperinflation in its non-GAAP revenue results, as inflation in the country has moderated significantly - from over 200% in recent years to less than 50% since the second quarter of 2025.
| 2026 Consolidated Outlook Metrics | |||
|---|---|---|---|
| Notes · Range | |||
| Revenues (GAAP) - YoY % change (Including Intermex) | 0% | 1% | |
| Foreign currency translation impact | (j) | 0% | 0% |
| Revenues, adjusted (non-GAAP) - YoY % change (Including Intermex) | 0% | 1% | |
| Revenues (GAAP) - YoY % change (Excluding Intermex) | (2)% | (1)% | |
| Foreign currency translation impact | (j) | 0% | 0% |
| Revenues, adjusted (non-GAAP) - YoY % change (Excluding Intermex) | (2)% | (1)% | |
| Range | |||
| Effective tax rate (GAAP) | 20% | 22% | |
| Non-cash tax impacts of international reorganization | (r) | (12)% | (12)% |
| Other adjustments | (l), (m), (n), (q), (s) | 2% | 2% |
| Effective tax rate, adjusted (non-GAAP) | 10% | 12% | |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.