<p>周四，一份新鲜的季度财报成为影响 <strong>西联汇款</strong>（WU -3.38%）股价的消息。不幸的是，这种影响是负面的，投资者纷纷抛售该股，导致股价下跌超过 3%。这一天，作为风向标的 <strong>标普 500 指数</strong> 增长，尽管幅度微小，增长了 0.2%。</p>
<h2>第三季度两项业绩超预期</h2>
<p>西联汇款的第三季度业绩实际上是在周三盘后公布的，根据公司的普遍公认会计准则（GAAP），该季度营收为 10.4 亿美元。与去年同期相比下降了 6%。在同一标准下，净收入增长了 55%，达到了近 2.65 亿美元。然而，在每股非通用会计准则（调整后）的基础上，增长更为温和，为每股 0.46 美元，增长了 7%。</p>
<p>根据 Zack's 编制的专家估计，西联汇款的营收略高于共识，而调整后的净收入超过平均预期近 5%。</p>
<p>在财报发布中，管理层将表现优于预期归因于其 Evolve 2025 业务战略的实施。据称，这导致其关键的消费者汇款业务连续五个季度实现中单位数百分比的交易增长。然而，尽管增长，该部门产生的营收实际上在第三季度下降，同比下滑了 9%。</p>
<h2>全年营收预期下调</h2>
<p>西联汇款还调整了其 2024 年的预期。公司现在预计营收将达到近 41.3 亿至 42 亿美元，这是从之前的 41.5 亿美元到近 42.3 亿美元的预期下调。调整后的盈利预期保持不变，为每股 1.70 至 1.80 美元。</p>
<p>营收预期下调可能是周四投资者不满的主要原因。我认为这并不一定是令人恐慌的事情，但与当前一代支付领域其他公司的表现相比，西联汇款并未表现出色。目前并不觉得它是一支具有吸引力的股票。</p>

西联汇款

<p>西联汇款（Western Union）的股价在一份令人失望的季度财报后下跌了超过 3%。尽管略微超过收入预期，但根据通用会计准则（GAAP），收入同比下降了 6%，而净利润增长了 55%。该公司下调了 2024 年的收入指引，这可能加剧了投资者的担忧。尽管管理层将表现优于预期归因于其 “Evolve 2025” 战略，但其主要消费者汇款业务的收入下降了 9%。总体而言，与支付行业同行相比，西联汇款的表现被认为是令人失望的</p>

<p>A fresh quarterly earnings report was the news that affected <strong>Western Union</strong>'s (WU -3.38%) share price on Thursday. Unfortunately, that effect was negative, as investors traded out of the stock to leave it with a more than 3% loss in price. This was on a day when the bellwether <strong>S&amp;P 500</strong> index grew, albeit marginally, at a 0.2% pace.</p>
<div class="lb-trans"><p>周四，一份新鲜的季度财报成为影响 <strong>西联汇款</strong>（WU -3.38%）股价的消息。不幸的是，这种影响是负面的，投资者纷纷抛售该股，导致股价下跌超过 3%。这一天，作为风向标的 <strong>标普 500 指数</strong> 增长，尽管幅度微小，增长了 0.2%。</p>
</div><h2>Two beats in the third quarter</h2>
<div class="lb-trans"><h2>第三季度两项业绩超预期</h2>
</div><p>Western Union's third quarter results actually crossed the wires after market hours Wednesday, and showed that the company's generally accepted accounting principles (GAAP) revenue was $1.04 billion for the period. This was down by 6% on a year-over-year basis. Under the same standard, net income flew 55% higher to just under $265 million. However, on a per-share, non-GAAP (adjusted) basis the rise was more modest, at 7% to $0.46 per share.</p>
<div class="lb-trans"><p>西联汇款的第三季度业绩实际上是在周三盘后公布的，根据公司的普遍公认会计准则（GAAP），该季度营收为 10.4 亿美元。与去年同期相比下降了 6%。在同一标准下，净收入增长了 55%，达到了近 2.65 亿美元。然而，在每股非通用会计准则（调整后）的基础上，增长更为温和，为每股 0.46 美元，增长了 7%。</p>
</div><p>According to pundit estimates compiled by Zack's, Western Union's revenue notched a slight beat on the consensus, while adjusted net income exceeded the average projection by nearly 5%.</p>
<div class="lb-trans"><p>根据 Zack's 编制的专家估计，西联汇款的营收略高于共识，而调整后的净收入超过平均预期近 5%。</p>
</div><p>In the earnings release, management chalked up the better-than-anticipated performance to the implementation of its Evolve 2025 business strategy. This, it claims, has led to five consecutive quarters of mid-single-digit percentage growth in transactions for its critical consumer money transfer business. Yet despite that growth, the revenue produced by the unit actually decreased in the third quarter, sliding by 9% year over year.</p>
<div class="lb-trans"><p>在财报发布中，管理层将表现优于预期归因于其 Evolve 2025 业务战略的实施。据称，这导致其关键的消费者汇款业务连续五个季度实现中单位数百分比的交易增长。然而，尽管增长，该部门产生的营收实际上在第三季度下降，同比下滑了 9%。</p>
</div><h2>Full-year revenue guidance trimmed</h2>
<div class="lb-trans"><h2>全年营收预期下调</h2>
</div><p>Western Union also revised its 2024 guidance. The company now expects to book revenue of nearly $4.13 billion to $4.20 billion, a downward revision from its previous anticipation of $4.15 billion to almost $4.23 billion. Adjusted earnings guidance remained unchanged at $1.70 to $1.80.</p>
<div class="lb-trans"><p>西联汇款还调整了其 2024 年的预期。公司现在预计营收将达到近 41.3 亿至 42 亿美元，这是从之前的 41.5 亿美元到近 42.3 亿美元的预期下调。调整后的盈利预期保持不变，为每股 1.70 至 1.80 美元。</p>
</div><p>The cut in revenue guidance was probably the key reason for investor discontent on Thursday. I don't think it's necessarily anything to panic about, but compared to the performance of other companies in the current-generation payments space, Western Union isn't hitting it out of the park. It doesn't currently feel like a compelling stock.</p>
<div class="lb-trans"><p>营收预期下调可能是周四投资者不满的主要原因。我认为这并不一定是令人恐慌的事情，但与当前一代支付领域其他公司的表现相比，西联汇款并未表现出色。目前并不觉得它是一支具有吸引力的股票。</p>
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为什么西联汇款的股票今天下跌了