Logotype for Kakao Pay Corp

Kakao Pay Corp (377300) investor relations material

Kakao Pay Corp Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Kakao Pay Corp
Q3 2025 earnings summary4 Nov, 2025

Executive summary

  • Q3 2025 saw TPV rise 12% YoY to ₩47T, revenue up 28% YoY to ₩238.4B, and operating profit reach ₩15.8B (+69% QoQ), with financial and platform services as key drivers.

  • Financial service revenue surged 72% YoY, platform service grew 69% YoY, and payment service revenue rose 6–14% YoY, with offline and cross-border payments showing double-digit growth.

  • User engagement metrics improved: DAU up 6% YoY to 6.56M, ARPU up 33% to ₩10,103, and average transactions per user up 43% YoY to 75.

  • Financial services accounted for 40% of total revenue.

Financial highlights

  • Q3 TPV: ₩47T (+12% YoY); Revenue TPV: ₩13.4T (+8% YoY); payment services TPV up 14% YoY; overseas payments up 16% YoY.

  • Q3 revenue: ₩238.4B (+28% YoY); operating profit: ₩15.8B (+69% QoQ); net profit: ₩19.1B; EBITDA: ₩24.1B.

  • Financial service revenue: ₩94.7B (+72% YoY); platform service: +69% YoY; payment service: ₩129.7B (+6% YoY).

  • Operating expenses rose 14.9% YoY but fell 2.8% QoQ; marketing/advertising expense up 44.6% YoY, kept at 10% of revenue.

  • Operating margin improved to 6.6%, net margin at 8.0%, and EBITDA margin reached 10.1%.

Outlook and guidance

  • Double-digit growth in financial and platform services expected to continue, supporting ARPU and topline expansion.

  • Asset-light strategy in offline payments to maximize user and merchant value, focusing on digital channels and personalized benefits.

  • Securities business aims to expand active customer pool and maintain high growth via new account openings, conversion, and AI-powered features.

  • Insurance business targets higher growth in 2026 with new products, enhanced offerings, and expanded direct counseling channels.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Kakao Pay Corp earnings date

Logotype for Kakao Pay Corp
Q4 20253 Feb, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Kakao Pay Corp earnings date

Logotype for Kakao Pay Corp
Q4 20253 Feb, 2026

The essential earnings season companion

The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage