KEYCORP (KEY) Fundamental Analysis & Valuation

NYSE:KEY • US4932671088

Current stock price

20.47 USD
+0.13 (+0.64%)
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This KEY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. KEY Profitability Analysis

1.1 Basic Checks

  • KEY had positive earnings in the past year.
  • In the past year KEY had a positive cash flow from operations.
  • KEY had positive earnings in 4 of the past 5 years.
  • KEY had a positive operating cash flow in each of the past 5 years.
KEY Yearly Net Income VS EBIT VS OCF VS FCFKEY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

1.2 Ratios

  • KEY has a Return On Assets (0.91%) which is comparable to the rest of the industry.
  • The Return On Equity of KEY (8.27%) is worse than 60.26% of its industry peers.
Industry RankSector Rank
ROA 0.91%
ROE 8.27%
ROIC N/A
ROA(3y)0.4%
ROA(5y)0.7%
ROE(3y)4.08%
ROE(5y)8.01%
ROIC(3y)N/A
ROIC(5y)N/A
KEY Yearly ROA, ROE, ROICKEY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 22.55%, KEY is doing worse than 62.11% of the companies in the same industry.
  • KEY's Profit Margin has improved in the last couple of years.
  • KEY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.55%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.17%
PM growth 5Y4.03%
GM growth 3YN/A
GM growth 5YN/A
KEY Yearly Profit, Operating, Gross MarginsKEY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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1

2. KEY Health Analysis

2.1 Basic Checks

  • KEY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, KEY has less shares outstanding
  • Compared to 5 years ago, KEY has more shares outstanding
  • KEY has a better debt/assets ratio than last year.
KEY Yearly Shares OutstandingKEY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
KEY Yearly Total Debt VS Total AssetsKEY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

2.2 Solvency

  • The Debt to FCF ratio of KEY is 5.24, which is a neutral value as it means it would take KEY, 5.24 years of fcf income to pay off all of its debts.
  • KEY has a Debt to FCF ratio of 5.24. This is in the lower half of the industry: KEY underperforms 71.05% of its industry peers.
  • KEY has a Debt/Equity ratio of 0.54. This is a neutral value indicating KEY is somewhat dependend on debt financing.
  • KEY has a Debt to Equity ratio of 0.54. This is in the lower half of the industry: KEY underperforms 78.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.54
Debt/FCF 5.24
Altman-Z N/A
ROIC/WACCN/A
WACC14.14%
KEY Yearly LT Debt VS Equity VS FCFKEY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
KEY Yearly Current Assets VS Current LiabilitesKEY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. KEY Growth Analysis

3.1 Past

  • KEY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.43%, which is quite impressive.
  • Measured over the past 5 years, KEY shows a small growth in Earnings Per Share. The EPS has been growing by 3.38% on average per year.
  • Looking at the last year, KEY shows a very strong growth in Revenue. The Revenue has grown by 63.49%.
  • KEY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.26% yearly.
EPS 1Y (TTM)30.43%
EPS 3Y-7.9%
EPS 5Y3.38%
EPS Q2Q%7.89%
Revenue 1Y (TTM)63.49%
Revenue growth 3Y1.06%
Revenue growth 5Y2.26%
Sales Q2Q%12.45%

3.2 Future

  • Based on estimates for the next years, KEY will show a small growth in Earnings Per Share. The EPS will grow by 6.45% on average per year.
  • Based on estimates for the next years, KEY will show a small growth in Revenue. The Revenue will grow by 2.41% on average per year.
EPS Next Y21.81%
EPS Next 2Y19.84%
EPS Next 3Y15.06%
EPS Next 5Y6.45%
Revenue Next Year7.33%
Revenue Next 2Y6.68%
Revenue Next 3Y5%
Revenue Next 5Y2.41%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
KEY Yearly Revenue VS EstimatesKEY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2B 4B 6B 8B
KEY Yearly EPS VS EstimatesKEY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 0.5 1 1.5 2 2.5

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5

4. KEY Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.65, which indicates a correct valuation of KEY.
  • Compared to the rest of the industry, the Price/Earnings ratio of KEY indicates a slightly more expensive valuation: KEY is more expensive than 63.68% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of KEY to the average of the S&P500 Index (25.60), we can say KEY is valued slightly cheaper.
  • KEY is valuated reasonably with a Price/Forward Earnings ratio of 11.20.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of KEY is on the same level as its industry peers.
  • KEY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 13.65
Fwd PE 11.2
KEY Price Earnings VS Forward Price EarningsKEY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, KEY is valued a bit cheaper than the industry average as 63.42% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.62
EV/EBITDA N/A
KEY Per share dataKEY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as KEY's earnings are expected to grow with 15.06% in the coming years.
PEG (NY)0.63
PEG (5Y)4.03
EPS Next 2Y19.84%
EPS Next 3Y15.06%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. KEY Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.12%, KEY is a good candidate for dividend investing.
  • KEY's Dividend Yield is rather good when compared to the industry average which is at 2.66. KEY pays more dividend than 85.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.88, KEY pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.12%

5.2 History

  • The dividend of KEY has a limited annual growth rate of 2.36%.
  • KEY has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of KEY decreased recently.
Dividend Growth(5Y)2.36%
Div Incr Years0
Div Non Decr Years1
KEY Yearly Dividends per shareKEY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • KEY pays out 62.51% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of KEY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP62.51%
EPS Next 2Y19.84%
EPS Next 3Y15.06%
KEY Yearly Income VS Free CF VS DividendKEY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B
KEY Dividend Payout.KEY Dividend Payout, showing the Payout Ratio.KEY Dividend Payout.PayoutRetained Earnings

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KEY Fundamentals: All Metrics, Ratios and Statistics

KEYCORP

NYSE:KEY (4/2/2026, 8:04:00 PM)

After market: 20.47 0 (0%)

20.47

+0.13 (+0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-16
Inst Owners89.95%
Inst Owner Change-0.95%
Ins Owners0.31%
Ins Owner Change-1.68%
Market Cap22.31B
Revenue(TTM)7.48B
Net Income(TTM)1.69B
Analysts74.07
Price Target23.86 (16.56%)
Short Float %2.23%
Short Ratio1.43
Dividend
Industry RankSector Rank
Dividend Yield 4.12%
Yearly Dividend0.95
Dividend Growth(5Y)2.36%
DP62.51%
Div Incr Years0
Div Non Decr Years1
Ex-Date03-03
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.47%
Min EPS beat(2)4.87%
Max EPS beat(2)6.08%
EPS beat(4)4
Avg EPS beat(4)3.5%
Min EPS beat(4)0.38%
Max EPS beat(4)6.08%
EPS beat(8)7
Avg EPS beat(8)16.48%
EPS beat(12)9
Avg EPS beat(12)8.25%
EPS beat(16)10
Avg EPS beat(16)3.48%
Revenue beat(2)1
Avg Revenue beat(2)0.6%
Min Revenue beat(2)-0.26%
Max Revenue beat(2)1.47%
Revenue beat(4)3
Avg Revenue beat(4)0.63%
Min Revenue beat(4)-0.26%
Max Revenue beat(4)1.47%
Revenue beat(8)6
Avg Revenue beat(8)3.64%
Revenue beat(12)6
Avg Revenue beat(12)1.61%
Revenue beat(16)6
Avg Revenue beat(16)0.67%
PT rev (1m)0.23%
PT rev (3m)7.32%
EPS NQ rev (1m)0.14%
EPS NQ rev (3m)1.22%
EPS NY rev (1m)0.04%
EPS NY rev (3m)1.35%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)0.57%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.74%
Valuation
Industry RankSector Rank
PE 13.65
Fwd PE 11.2
P/S 2.98
P/FCF 10.62
P/OCF 10.1
P/B 1.09
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)1.5
EY7.33%
EPS(NY)1.83
Fwd EY8.93%
FCF(TTM)1.93
FCFY9.42%
OCF(TTM)2.03
OCFY9.9%
SpS6.86
BVpS18.7
TBVpS16.17
PEG (NY)0.63
PEG (5Y)4.03
Graham Number25.13
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 8.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.55%
GM N/A
FCFM 28.1%
ROA(3y)0.4%
ROA(5y)0.7%
ROE(3y)4.08%
ROE(5y)8.01%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.17%
PM growth 5Y4.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.54
Debt/FCF 5.24
Debt/EBITDA N/A
Cap/Depr 509.52%
Cap/Sales 1.43%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 124.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.14%
ROIC/WACCN/A
Cap/Depr(3y)234.85%
Cap/Depr(5y)197.92%
Cap/Sales(3y)1.69%
Cap/Sales(5y)1.5%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30.43%
EPS 3Y-7.9%
EPS 5Y3.38%
EPS Q2Q%7.89%
EPS Next Y21.81%
EPS Next 2Y19.84%
EPS Next 3Y15.06%
EPS Next 5Y6.45%
Revenue 1Y (TTM)63.49%
Revenue growth 3Y1.06%
Revenue growth 5Y2.26%
Sales Q2Q%12.45%
Revenue Next Year7.33%
Revenue Next 2Y6.68%
Revenue Next 3Y5%
Revenue Next 5Y2.41%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y250.75%
FCF growth 3Y-21.61%
FCF growth 5Y5.47%
OCF growth 1Y232.53%
OCF growth 3Y-20.94%
OCF growth 5Y5.71%

KEYCORP / KEY Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for KEYCORP?

ChartMill assigns a fundamental rating of 3 / 10 to KEY.


What is the valuation status of KEYCORP (KEY) stock?

ChartMill assigns a valuation rating of 5 / 10 to KEYCORP (KEY). This can be considered as Fairly Valued.


How profitable is KEYCORP (KEY) stock?

KEYCORP (KEY) has a profitability rating of 3 / 10.


What are the PE and PB ratios of KEYCORP (KEY) stock?

The Price/Earnings (PE) ratio for KEYCORP (KEY) is 13.65 and the Price/Book (PB) ratio is 1.09.


Is the dividend of KEYCORP sustainable?

The dividend rating of KEYCORP (KEY) is 7 / 10 and the dividend payout ratio is 62.51%.