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KEYCORP (KEY) Stock Fundamental Analysis

USA - NYSE:KEY - US4932671088 - Common Stock

18.08 USD
+0.49 (+2.79%)
Last: 11/7/2025, 8:04:00 PM
18.06 USD
-0.02 (-0.11%)
After Hours: 11/7/2025, 8:04:00 PM
Fundamental Rating

3

Overall KEY gets a fundamental rating of 3 out of 10. We evaluated KEY against 388 industry peers in the Banks industry. Both the profitability and financial health of KEY have multiple concerns. KEY has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

KEY had positive earnings in the past year.
KEY had a positive operating cash flow in the past year.
Of the past 5 years KEY 4 years were profitable.
In the past 5 years KEY always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B

1.2 Ratios

The Return On Assets of KEY (0.02%) is worse than 88.97% of its industry peers.
KEY has a Return On Equity of 0.17%. This is amonst the worse of the industry: KEY underperforms 88.97% of its industry peers.
Industry RankSector 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
KEY Yearly ROA, ROE, ROICKEY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

With a Profit Margin value of 0.64%, KEY is not doing good in the industry: 88.97% of the companies in the same industry are doing better.
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) 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
KEY Yearly Profit, Operating, Gross MarginsKEY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

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1

2. Health

2.1 Basic Checks

KEY does not have a ROIC to compare to the WACC, probably because it is not profitable.
KEY has more shares outstanding than it did 1 year ago.
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.
KEY Yearly Shares OutstandingKEY Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
KEY Yearly Total Debt VS Total AssetsKEY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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.
KEY has a Debt to FCF ratio of 9.62. This is in the lower half of the industry: KEY underperforms 76.15% of its industry peers.
KEY has a Debt/Equity ratio of 0.76. This is a neutral value indicating KEY is somewhat dependend on debt financing.
KEY has a Debt to Equity ratio of 0.76. This is amonst the worse of the industry: KEY underperforms 82.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 9.62
Altman-Z N/A
ROIC/WACCN/A
WACC14.19%
KEY Yearly LT Debt VS Equity VS FCFKEY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 44.12% over the past year.
KEY shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -8.16% yearly.
Looking at the last year, KEY shows a very strong growth in Revenue. The Revenue has grown by 20.69%.
The Revenue has been decreasing by -6.40% on average over the past years.
EPS 1Y (TTM)44.12%
EPS 3Y-24.19%
EPS 5Y-8.16%
EPS Q2Q%36.67%
Revenue 1Y (TTM)20.69%
Revenue growth 3Y-14.29%
Revenue growth 5Y-6.4%
Sales Q2Q%17.48%

3.2 Future

Based on estimates for the next years, KEY will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.26% on average per year.
KEY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.28% yearly.
EPS Next Y29.26%
EPS Next 2Y24.62%
EPS Next 3Y21.84%
EPS Next 5Y12.26%
Revenue Next Year30%
Revenue Next 2Y17.64%
Revenue Next 3Y13.57%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
KEY Yearly Revenue VS EstimatesKEY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2B 4B 6B 8B
KEY Yearly EPS VS EstimatesKEY Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0.5 1 1.5 2 2.5

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5

4. Valuation

4.1 Price/Earnings Ratio

KEY is valuated correctly with a Price/Earnings ratio of 12.30.
The rest of the industry has a similar Price/Earnings ratio as KEY.
When comparing the Price/Earnings ratio of KEY to the average of the S&P500 Index (26.06), we can say KEY is valued rather cheaply.
A Price/Forward Earnings ratio of 10.12 indicates a reasonable valuation of KEY.
KEY's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of KEY to the average of the S&P500 Index (32.73), we can say KEY is valued rather cheaply.
Industry RankSector Rank
PE 12.3
Fwd PE 10.12
KEY Price Earnings VS Forward Price EarningsKEY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

KEY's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.04
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

KEY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
KEY's earnings are expected to grow with 21.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.42
PEG (5Y)N/A
EPS Next 2Y24.62%
EPS Next 3Y21.84%

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6

5. Dividend

5.1 Amount

KEY has a Yearly Dividend Yield of 4.66%, which is a nice return.
Compared to an average industry Dividend Yield of 3.38, KEY pays a better dividend. On top of this KEY pays more dividend than 85.90% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, KEY pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.66%

5.2 History

The dividend of KEY has a limited annual growth rate of 2.42%.
KEY has paid a dividend for at least 10 years, which is a reliable track record.
KEY has decreased its dividend recently.
Dividend Growth(5Y)2.42%
Div Incr Years0
Div Non Decr Years1
KEY Yearly Dividends per shareKEY Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

KEY pays out 3018.18% 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.
DP3018.18%
EPS Next 2Y24.62%
EPS Next 3Y21.84%
KEY Yearly Income VS Free CF VS DividendKEY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B
KEY Dividend Payout.KEY Dividend Payout, showing the Payout Ratio.KEY Dividend Payout.PayoutRetained Earnings

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KEYCORP

NYSE:KEY (11/7/2025, 8:04:00 PM)

After market: 18.06 -0.02 (-0.11%)

18.08

+0.49 (+2.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2025-10-16/bmo
Earnings (Next)01-20 2026-01-20/amc
Inst Owners91.2%
Inst Owner Change-0.52%
Ins Owners0.32%
Ins Owner Change-0.01%
Market Cap20.12B
Revenue(TTM)6.34B
Net Income(TTM)33.00M
Analysts73.33
Price Target20.86 (15.38%)
Short Float %3.03%
Short Ratio1.29
Dividend
Industry RankSector Rank
Dividend Yield 4.66%
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)1.18%
PT rev (3m)2.25%
EPS NQ rev (1m)0.87%
EPS NQ rev (3m)1.87%
EPS NY rev (1m)2.35%
EPS NY rev (3m)2.4%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 12.3
Fwd PE 10.12
P/S 3.92
P/FCF 13.04
P/OCF 12.45
P/B 1.03
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)1.47
EY8.13%
EPS(NY)1.79
Fwd EY9.88%
FCF(TTM)1.39
FCFY7.67%
OCF(TTM)1.45
OCFY8.03%
SpS4.61
BVpS17.51
TBVpS15.02
PEG (NY)0.42
PEG (5Y)N/A
Graham Number24.06
Profitability
Industry RankSector 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
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector 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
WACC14.19%
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)44.12%
EPS 3Y-24.19%
EPS 5Y-8.16%
EPS Q2Q%36.67%
EPS Next Y29.26%
EPS Next 2Y24.62%
EPS Next 3Y21.84%
EPS Next 5Y12.26%
Revenue 1Y (TTM)20.69%
Revenue growth 3Y-14.29%
Revenue growth 5Y-6.4%
Sales Q2Q%17.48%
Revenue Next Year30%
Revenue Next 2Y17.64%
Revenue Next 3Y13.57%
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 FAQ

Can you provide the ChartMill fundamental rating for KEYCORP?

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


Can you provide the valuation status for KEYCORP?

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


What is the profitability of KEY stock?

KEYCORP (KEY) has a profitability rating of 2 / 10.


What is the financial health of KEYCORP (KEY) stock?

The financial health rating of KEYCORP (KEY) is 1 / 10.


Can you provide the dividend sustainability for KEY stock?

The dividend rating of KEYCORP (KEY) is 6 / 10 and the dividend payout ratio is 3018.18%.