Risk factors
Western Union (WU) risk factors
Item 1A of every Western Union Co. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors35 risks4 new4 dropped7 reworded
Intermex acquisition adds potential debt and integration-related savings uncertainty.
Filed Feb 20, 2026 - FY2024 10-K risk factors35 risks
Western Union faces heavy regulatory, compliance, and legal scrutiny from consent orders, anti-money laundering laws, and consumer protection regulations. The company carries substantial indebtedness of $2.9 billion and $1.3 billion in investment securities backing money orders. Operations depend significantly on agent networks, third-party vendors, and foreign currency revenues.
Filed Feb 20, 2025