Western Union Targets $5B Revenue by 2028 Amid Digital Transformation
Western Union is setting its sights on significant growth with its newly unveiled 'Beyond' strategy. At its Investor Day in New York, the company projected that revenue will rise by 20% over the next three years, reaching the $5 billion mark at the midpoint of guidance by 2028. Alongside this, adjusted earnings per share (EPS) are anticipated to jump 30% to $2.30.
Digital-First Focus Aims to Redefine Global Financial Services
At the core of Western Union’s growth plan is a pivot towards becoming a truly digital-first company. CEO Devin McGranahan emphasized a vision to make financial services accessible worldwide, moving the company "beyond remittance" and broadening its service ecosystem. This includes expanding its Digital Asset Network and launching a USDPT stablecoin strategy—clear signals of a future where traditional money transfer and modern fintech converge.
Consumer Services Set for Sustained Double-Digit Growth
Western Union’s consumer segment is expected to continue on a path of double-digit revenue growth, benefiting from expanded digital offerings and a broadened global financial network. Management’s strategy targets a two-sided financial services model—connecting millions of digital wallets, cards, and bank accounts through an expansive retail and digital network spanning more than 200 countries.
Key Financial Outlook for 2028: Ambitious and Transparent
The company has shared its financial ambitions for 2028, providing clear target ranges for investors to track progress over the coming years. See below for the projected ranges:
| Metric | 2028 Outlook Range |
|---|---|
| Revenue | $4.8 - $5.3 billion |
| Adjusted EPS | $2.15 - $2.45 |
The company noted that GAAP-to-non-GAAP reconciliations were not provided due to the unpredictable nature of some adjusting items.
Strategic Initiatives: Beyond Remittance and Embracing Digital Assets
The "Beyond" initiative will see Western Union invest in digital infrastructure, a stablecoin-based network, and technology aimed at streamlining cross-border payments. Management believes this approach will keep the company at the forefront of evolving global financial trends, enabling it to address a broader array of customer needs while maintaining the legacy and reach of its established retail operations.
Investor Takeaway: Ambitious Growth with an Eye on the Future
With revenue and EPS growth targets well above industry averages, Western Union is making a strong statement of intent to investors. While ambitious, these goals are underpinned by a rapidly evolving business model and bold strategic bets in digital assets and financial networks. Those interested in tracking Western Union’s progress can access a live or recorded webcast of the 2025 Investor Day for further insights.
Table: 2028 Financial Outlook Summary
| Financial Metric | 2028 Target |
|---|---|
| Revenue Growth (3-Year) | 20% (to $5B midpoint) |
| Adjusted EPS Growth (3-Year) | 30% (to $2.30 midpoint) |
For those interested in attending or reviewing the company's strategic outlook, Western Union’s Investor Day webcast is available at https://ir.westernunion.com.
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