KEY Fundamental Analysis - KEYCORP

Fundamental Rating

KEY gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. KEY may be in some trouble as it scores bad on both profitability and health. KEY is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year KEY was profitable.

KEY had a positive operating cash flow in the past year.

KEY had positive earnings in 4 of the past 5 years.

In the past 5 years KEY always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of KEY (0.02%) is worse than 89.57% of its industry peers.

KEY has a worse Return On Equity (0.17%) than 89.82% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.02%
ROE	0.17%
ROIC	N/A

ROA(3y)0.41%

ROA(5y)0.66%

ROE(3y)5.78%

ROE(5y)7.73%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

KEY has a worse Profit Margin (0.64%) than 89.57% of its industry peers.

The Operating Margin and Gross Margin are not available for KEY so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	0.64%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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 more shares outstanding

KEY has more shares outstanding than it did 5 years ago.

The debt/assets ratio for KEY has been reduced compared to a year ago.

2.2 Solvency

KEY has a debt to FCF ratio of 9.62. This is a negative value and a sign of low solvency as KEY would need 9.62 years to pay back of all of its debts.

The Debt to FCF ratio of KEY (9.62) is worse than 76.84% of its industry peers.

A Debt/Equity ratio of 0.76 indicates that KEY is somewhat dependend on debt financing.

KEY's Debt to Equity ratio of 0.76 is on the low side compared to the rest of the industry. KEY is outperformed by 82.19% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.76
Debt/FCF	9.62
Altman-Z	N/A

ROIC/WACCN/A

WACC14.26%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

KEY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.65%, which is quite impressive.

KEY shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.16% yearly.

The Revenue for KEY has decreased by -16.20% in the past year. This is quite bad

The Revenue has been decreasing by -6.40% on average over the past years.

EPS 1Y (TTM)34.65%

EPS 3Y-24.19%

EPS 5Y-8.16%

EPS Q2Q%40%

Revenue 1Y (TTM)-16.2%

Revenue growth 3Y-14.29%

Revenue growth 5Y-6.4%

Sales Q2Q%20.58%

3.2 Future

The Earnings Per Share is expected to grow by 12.26% on average over the next years. This is quite good.

The Revenue is expected to grow by 7.28% on average over the next years.

EPS Next Y26.05%

EPS Next 2Y23.79%

EPS Next 3Y21.27%

EPS Next 5Y12.26%

Revenue Next Year29.43%

Revenue Next 2Y17.19%

Revenue Next 3Y13%

Revenue Next 5Y7.28%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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Find the best growth stocks

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.99, the valuation of KEY can be described as correct.

Based on the Price/Earnings ratio, KEY is valued a bit more expensive than 60.81% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.03. KEY is valued slightly cheaper when compared to this.

Based on the Price/Forward Earnings ratio of 10.79, the valuation of KEY can be described as reasonable.

KEY's Price/Forward Earnings is on the same level as the industry average.

KEY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.63.

		Industry Rank	Sector Rank
PE	13.99
Fwd PE	10.79

4.2 Price Multiples

KEY's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	13.52
EV/EBITDA	N/A

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 21.27% in the coming years.

PEG (NY)0.54

PEG (5Y)N/A

EPS Next 2Y23.79%

EPS Next 3Y21.27%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

KEY has a Yearly Dividend Yield of 4.52%, which is a nice return.

Compared to an average industry Dividend Yield of 3.30, KEY pays a better dividend. On top of this KEY pays more dividend than 83.72% of the companies listed in the same industry.

KEY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	4.52%

5.2 History

The dividend of KEY has a limited annual growth rate of 2.42%.

KEY has been paying a dividend for at least 10 years, so it has a reliable track record.

KEY has decreased its dividend recently.

Dividend Growth(5Y)2.42%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

3018.18% of the earnings are spent on dividend by KEY. This is not a sustainable payout ratio.

KEY's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP3018.18%

EPS Next 2Y23.79%

EPS Next 3Y21.27%

More info and screens

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Show peers with best dividend

KEYCORP

NYSE:KEY (8/25/2025, 8:04:00 PM)

After market: 18.88 -0.14 (-0.74%)

19.02

+0.04 (+0.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-22 2025-07-22/bmo

Earnings (Next)10-16 2025-10-16/bmo

Inst Owners88.96%

Inst Owner Change15.89%

Ins Owners0.32%

Ins Owner Change0%

Market Cap20.86B

Analysts72.86

Price Target20.41 (7.31%)

Short Float %3.03%

Short Ratio1.43

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.52%

Yearly Dividend0.91

Dividend Growth(5Y)2.42%

DP3018.18%

Div Incr Years0

Div Non Decr Years1

Ex-Date09-02 2025-09-02 (0.205)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)1.53%

Min EPS beat(2)0.38%

Max EPS beat(2)2.69%

EPS beat(4)4

Avg EPS beat(4)30.36%

Min EPS beat(4)0.38%

Max EPS beat(4)102.75%

EPS beat(8)7

Avg EPS beat(8)16.7%

EPS beat(12)7

Avg EPS beat(12)4.23%

EPS beat(16)10

Avg EPS beat(16)4.46%

Revenue beat(2)2

Avg Revenue beat(2)0.66%

Min Revenue beat(2)0.28%

Max Revenue beat(2)1.04%

Revenue beat(4)4

Avg Revenue beat(4)7.09%

Min Revenue beat(4)0.28%

Max Revenue beat(4)25.72%

Revenue beat(8)5

Avg Revenue beat(8)3.36%

Revenue beat(12)5

Avg Revenue beat(12)1.17%

Revenue beat(16)7

Avg Revenue beat(16)1.16%

PT rev (1m)4.68%

PT rev (3m)12.95%

EPS NQ rev (1m)-0.99%

EPS NQ rev (3m)-3.92%

EPS NY rev (1m)-0.14%

EPS NY rev (3m)0.21%

Revenue NQ rev (1m)0.16%

Revenue NQ rev (3m)0.37%

Revenue NY rev (1m)0.61%

Revenue NY rev (3m)0.81%

Valuation

		Industry Rank	Sector Rank
PE	13.99
Fwd PE	10.79
P/S	4.06
P/FCF	13.52
P/OCF	12.91
P/B	1.07
P/tB	1.25
EV/EBITDA	N/A

EPS(TTM)1.36

EY7.15%

EPS(NY)1.76

Fwd EY9.27%

FCF(TTM)1.41

FCFY7.4%

OCF(TTM)1.47

OCFY7.75%

SpS4.68

BVpS17.77

TBVpS15.24

PEG (NY)0.54

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.02%
ROE	0.17%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	0.64%
GM	N/A
FCFM	30.06%

ROA(3y)0.41%

ROA(5y)0.66%

ROE(3y)5.78%

ROE(5y)7.73%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.76
Debt/FCF	9.62
Debt/EBITDA	N/A
Cap/Depr	208.57%
Cap/Sales	1.42%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	4675.76%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC14.26%

ROIC/WACCN/A

Cap/Depr(3y)91.28%

Cap/Depr(5y)107.37%

Cap/Sales(3y)1.71%

Cap/Sales(5y)1.4%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)34.65%

EPS 3Y-24.19%

EPS 5Y-8.16%

EPS Q2Q%40%

EPS Next Y26.05%

EPS Next 2Y23.79%

EPS Next 3Y21.27%

EPS Next 5Y12.26%

Revenue 1Y (TTM)-16.2%

Revenue growth 3Y-14.29%

Revenue growth 5Y-6.4%

Sales Q2Q%20.58%

Revenue Next Year29.43%

Revenue Next 2Y17.19%

Revenue Next 3Y13%

Revenue Next 5Y7.28%

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 1Y-68.11%

FCF growth 3Y-18.02%

FCF growth 5Y-26.65%

OCF growth 1Y-67.46%

OCF growth 3Y-16.8%

OCF growth 5Y-25.57%

KEYCORP (KEY) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens