)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
KakaoBank (323410) investor relations material
KakaoBank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Customer base reached 26.24 million, with MAU and WAU at all-time highs, driven by new services like Mobile ID and MyKid, reflecting strong engagement across age groups.
Deposit balance rose to KRW 65.7 trillion, up 21% year-on-year, with efficient allocation across loans and treasury, maintaining a high low-cost deposit ratio.
Platform revenue increased 7% year-on-year to KRW 23.3 billion; operating revenue up 2% year-on-year to KRW 764.7 billion, driven by platform and treasury management growth.
SOHO Loans grew over 9% QoQ and 5% YoY, while household loan growth was minimal due to regulatory factors and NIM declined due to asset-liability spread compression.
Operating profit and net profit declined YoY, despite growth in platform and treasury management businesses.
Financial highlights
Operating revenue for Q3 was KRW 764.7 billion (+2.5% YoY); interest revenue KRW 614.3 billion (+0.5% YoY); platform revenue KRW 23.3 billion (+7.0% YoY).
Operating profit was KRW 151.1 billion (-13.0% YoY), net profit KRW 111.4 billion (-10.3% YoY).
Deposit balance increased by KRW 2 trillion QoQ, with low-cost deposits at 59%.
SG&A rose 17% YoY due to higher labor and marketing costs; cumulative CIR at 36.9%.
Total assets reached KRW 73.99 trillion (+19.0% YoY), loans at KRW 46.70 trillion (+4.9% YoY).
Outlook and guidance
Loan growth expected to improve in Q4 with full-scale execution of Bogeumjari Loans and SOHO secured loans, though annual growth may fall short of initial 10% target.
Expansion of product lineup in group and minor accounts to drive future deposit growth.
AI-powered services and stablecoin initiatives planned for late 2025 to enhance platform capabilities.
CIR likely to rise slightly in 2025 due to hiring and IT costs, but targeted for improvement in 2026.
Shareholder return ratio planned to increase to up to 50% by 2026, with mid-40% range expected for 2025.
Revised 2025 loan growth outlook
Stablecoin license impact of Kakao Group legal risk
Q4/2026 RWA outlook and key drivers
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next KakaoBank earnings date
Q4 20254 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.
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.
)
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.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
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.
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.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
KakaoBank Corp. is a digital banking company that provides a range of financial services through its mobile-based platform. The company offers banking products such as savings accounts, loans, credit cards, and payment solutions, catering to individuals and businesses. The company is headquartered in Seongnam, South Korea, and its shares are listed on the KRX.
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