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KEYCORP (KEY) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:KEY - US4932671088 - Common Stock

18.41 USD
-0.01 (-0.05%)
Last: 12/2/2025, 10:42:06 AM
Fundamental Rating

3

Taking everything into account, KEY scores 3 out of 10 in our fundamental rating. KEY was compared to 387 industry peers in the Banks industry. KEY may be in some trouble as it scores bad on both profitability and health. KEY has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year KEY was profitable.
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

KEY has a Return On Assets of 0.50%. This is in the lower half of the industry: KEY underperforms 77.78% of its industry peers.
The Return On Equity of KEY (4.64%) is worse than 79.07% of its industry peers.
Industry RankSector Rank
ROA 0.5%
ROE 4.64%
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

KEY's Profit Margin of 14.71% is on the low side compared to the rest of the industry. KEY is outperformed by 77.78% of its industry peers.
The Operating Margin and Gross Margin are not available for KEY so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 14.71%
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.
The number of shares outstanding for KEY has been increased compared to 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 3.92. This is a good value and a sign of high solvency as KEY would need 3.92 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.92, KEY is not doing good in the industry: 64.86% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.61 indicates that KEY is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.61, KEY is doing worse than 80.10% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.61
Debt/FCF 3.92
Altman-Z N/A
ROIC/WACCN/A
WACC14.12%
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.
The Earnings Per Share has been decreasing by -8.16% on average over the past years.
Looking at the last year, KEY shows a very strong growth in Revenue. The Revenue has grown by 20.69%.
KEY shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.40% yearly.
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

KEY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.26% yearly.
The Revenue is expected to grow by 7.28% on average over the next years.
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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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.52, KEY is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as KEY.
KEY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
KEY is valuated reasonably with a Price/Forward Earnings ratio of 10.31.
Compared to the rest of the industry, the Price/Forward Earnings ratio of KEY is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 36.21. KEY is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.52
Fwd PE 10.31
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of KEY indicates a rather cheap valuation: KEY is cheaper than 87.60% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.42
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 21.84% in the coming years.
PEG (NY)0.43
PEG (5Y)N/A
EPS Next 2Y24.62%
EPS Next 3Y21.84%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.46%, KEY is a good candidate for dividend investing.
KEY's Dividend Yield is rather good when compared to the industry average which is at 3.15. KEY pays more dividend than 86.82% of the companies in the same industry.
KEY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 4.46%

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

110.52% 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.
DP110.52%
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 (12/2/2025, 10:42:06 AM)

18.41

-0.01 (-0.05%)

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 Change7.72%
Ins Owners0.32%
Ins Owner Change-0.32%
Market Cap20.12B
Revenue(TTM)6.34B
Net Income(TTM)932.00M
Analysts73.33
Price Target20.86 (13.31%)
Short Float %2.66%
Short Ratio1.41
Dividend
Industry RankSector Rank
Dividend Yield 4.46%
Yearly Dividend0.91
Dividend Growth(5Y)2.42%
DP110.52%
Div Incr Years0
Div Non Decr Years1
Ex-Date12-02 2025-12-02 (0.205)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.23%
Min EPS beat(2)0.38%
Max EPS beat(2)6.08%
EPS beat(4)4
Avg EPS beat(4)6.19%
Min EPS beat(4)0.38%
Max EPS beat(4)15.61%
EPS beat(8)7
Avg EPS beat(8)16.77%
EPS beat(12)8
Avg EPS beat(12)5.27%
EPS beat(16)10
Avg EPS beat(16)3.91%
Revenue beat(2)1
Avg Revenue beat(2)0.39%
Min Revenue beat(2)-0.26%
Max Revenue beat(2)1.04%
Revenue beat(4)3
Avg Revenue beat(4)0.59%
Min Revenue beat(4)-0.26%
Max Revenue beat(4)1.31%
Revenue beat(8)5
Avg Revenue beat(8)3.37%
Revenue beat(12)5
Avg Revenue beat(12)1.24%
Revenue beat(16)6
Avg Revenue beat(16)0.99%
PT rev (1m)1.17%
PT rev (3m)2.23%
EPS NQ rev (1m)-0.32%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0.47%
EPS NY rev (3m)2.54%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 12.52
Fwd PE 10.31
P/S 3.18
P/FCF 6.42
P/OCF 6.25
P/B 1
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)1.47
EY7.98%
EPS(NY)1.79
Fwd EY9.7%
FCF(TTM)2.87
FCFY15.57%
OCF(TTM)2.94
OCFY15.99%
SpS5.8
BVpS18.39
TBVpS15.86
PEG (NY)0.43
PEG (5Y)N/A
Graham Number24.66
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 4.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.71%
GM N/A
FCFM 49.43%
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-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.61
Debt/FCF 3.92
Debt/EBITDA N/A
Cap/Depr 369.57%
Cap/Sales 1.34%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 336.05%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.12%
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-5.58%
FCF growth 3Y-18.02%
FCF growth 5Y-26.65%
OCF growth 1Y-6.78%
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 6 / 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 110.52%.