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In this study, a 780 MPa grade ferritic-bainitic dual-phase steel with excellent matching of strength-plasticity and formability was developed using thermomechanical control processing. Optical microscopy, Scanning electron microscopy, and Electron Backscatter Diffraction techniques were used to characterize the microstructure comprehensively, and the effects of coiling temperature on the microstructure, the strength-plasticity, and hole-expansion ratio of the test steels were thoroughly investigated. The results showed that the test steel had an excellent combination of ferrite and bainite at the coiling temperature of 520 °C, 23.7 and 76.3%, respectively, with a hole expansion ratio of 58.5 ± 2.8%. The uniformity of the microstructure was the key to obtaining a high expansion ratio in ferrite-bainite dual-phase steels. The test steels formed granular bainite at low-temperature coiling, while polygonal ferrite was promoted at high-temperature coiling. The effect of coiling temperature on grain size is small. Dislocations were redistributed during high-temperature coiling, resulting in a decrease in dislocation density. The higher elongation and hole expansion rate at higher coiling temperatures were attributed to increased polygonal ferrite content, reduced grain size, and enhanced TRIP effect. When coiling at low temperatures, the agglomeration of polygonal ferrite or granular bainite tends to result in a non-uniform distribution of the soft and hard phases of the matrix. At the same time, the strong texture parallel to the rolling direction has a significant difference in plasticity in different directions, leading to non-uniform deformation, which is liable to stress concentration, causing crack nucleation and extension in the hole expanding process, thus reducing the hole expansion performance. [ABSTRACT FROM AUTHOR]