EarningsQ4 2025 Earnings Report

Westpac Banking (WBC) Q4 2025 Earnings Report

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Previous Report: Q2 2025

Next Report: Q2 2026

DE:WBC Q4 2025 EPS Results

Actual EPS€0.64

Consensus EPS€0.64

Beat/MissMissed by -<€0.01

One Year Ago EPS€0.65

DE:WBC Q4 2025 Revenue Results

Actual Revenue€17.90B

Expected Revenue€7.12B

Beat/MissBeat by +€10.78B

YoY Revenue Growth-2.16%

Earnings Announcement Details

QuarterQ4 2025

Date11/02/2025

TimeAfter Close

Conference CallSunday, November 2, 2025

DE:WBC Upcoming Earnings

Westpac Banking's next earnings date is estimated for November 2, 2026, based on past reporting schedules.

Q4 2025 Earnings Call Audio

DE:WBC Q4 2025 Earnings Call

0:00 / 0:00

Q4 2025 Earnings Slide Deck

Q4 2025 Earnings Call Summary

Q4 2025

Earnings Call Date:Nov 02, 2025|

% Change Since:

Earnings Call Sentiment|Neutral

Westpac demonstrated strong growth in deposits and business lending, and launched significant digital innovations. However, the company faced challenges with decreased net profit, increased expenses, and delays in the UNITE program. Customer and brand advocacy continue to require attention.

Company Guidance

During Westpac's Full Year 2025 Results Briefing, the company provided guidance on various financial metrics and strategic initiatives. Net profit, excluding notable items, decreased by 2% to $7 billion, while statutory net profit fell by 1% to $6.9 billion. The return on tangible equity experienced a slight contraction, partly cushioned by a share buyback. The cost-to-income ratio rose to 53% due to higher expenses driven by their transformation agenda, although efforts under the Fit for Growth program aim to offset this in FY '26. The Board declared a second half dividend of $0.77, contributing to a full-year dividend of $1.53 per share, equating to a payout ratio of 75% of profit after tax, excluding notable items. The company continues to focus on streamlining operations through the UNITE program, with an investment of $660 million in FY '25, slightly above guidance, and plans to invest between $850 million and $950 million in FY '26. Westpac also highlighted improvements in customer service metrics, such as a 30% reduction in financial market clients' time to trade in the Commercial division and a 21% decline in reported customer scam losses, thanks to new initiatives like SafeCall and SafeBlock. Additionally, the company sees promising growth in consumer deposits, which grew by 10%, supported by their award-winning banking app and competitive product suite.

Strong Deposit Growth

Consumer deposits grew by 10%, reflecting the effectiveness of Westpac's banking app and competitive product suite.

Business Lending and Institutional Growth

Business lending increased by 15%, and institutional lending grew by 17%, driven by strong performance in sectors such as health, professional services, and agriculture.

Launch of Digital Innovations

Introduced Biz Edge and Westpac One, enhancing digital capabilities and improving decision-making processes, with Biz Edge processing nearly $5 billion in business lending applications since March.

Employee Engagement and Development

Westpac invested in employee development programs, resulting in strong engagement scores and efforts to attract and retain top talent.

Consumer Resilience and Improved Service Quality

Supported 46,000 hardship packages, with 75% of customers recovering, and improved service quality with a 30% reduction in time to trade for financial market clients.

DE:WBC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change
Nov 02, 2026	2026 (Q4)	0.64 / -	0.641	―
May 04, 2026	2026 (Q2)	0.63 / 0.64	0.622	2.10% (+0.01)
Nov 02, 2025	2025 (Q4)	0.64 / 0.64	0.647	-0.96% (>-0.01)
May 04, 2025	2025 (Q2)	0.63 / 0.62	0.571	8.95% (+0.05)
Nov 03, 2024	2024 (Q4)	0.62 / 0.65	0.558	15.98% (+0.09)
May 05, 2024	2024 (Q2)	0.60 / 0.57	0.671	-14.95% (-0.10)
Nov 05, 2023	2023 (Q4)	0.55 / 0.56	0.388	43.66% (+0.17)
May 07, 2023	2023 (Q2)	0.67 / 0.67	0.532	26.11% (+0.14)
Nov 07, 2022	2022 (Q4)	0.52 / 0.39	0.309	25.86% (+0.08)
May 09, 2022	2022 (Q2)	0.72 / 0.53	0.605	-12.05% (-0.07)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed