KEY Fundamental Analysis - KEYCORP

Fundamental Rating

KEY gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 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

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.

Each year in the past 5 years KEY had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.02%, KEY is doing worse than 89.54% of the companies in the same industry.

KEY's Return On Equity of 0.17% is on the low side compared to the rest of the industry. KEY is outperformed by 89.54% 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 Profit Margin of 0.64%. This is amonst the worse of the industry: KEY underperforms 89.54% 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.

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.

KEY has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of KEY is 9.62, which is on the high side as it means it would take KEY, 9.62 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of KEY (9.62) is worse than 75.26% 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.

With a Debt to Equity ratio value of 0.76, KEY is not doing good in the industry: 81.89% of the companies in the same industry are doing better.

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

ROIC/WACCN/A

WACC14.34%

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

The Earnings Per Share has grown by an impressive 34.65% 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 negative growth in Revenue. The Revenue has decreased by -16.20% in the last year.

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.

KEY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.28% yearly.

EPS Next Y26.05%

EPS Next 2Y23.79%

EPS Next 3Y21.27%

EPS Next 5Y12.26%

Revenue Next Year29.48%

Revenue Next 2Y17.25%

Revenue Next 3Y13.06%

Revenue Next 5Y7.28%

3.3 Evolution

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

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

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4. Valuation

4.1 Price/Earnings Ratio

KEY is valuated correctly with a Price/Earnings ratio of 14.03.

Compared to the rest of the industry, the Price/Earnings ratio of KEY indicates a slightly more expensive valuation: KEY is more expensive than 60.46% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 27.38. KEY is valued slightly cheaper when compared to this.

A Price/Forward Earnings ratio of 10.83 indicates a reasonable valuation of KEY.

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

When comparing the Price/Forward Earnings ratio of KEY to the average of the S&P500 Index (22.86), we can say KEY is valued rather cheaply.

		Industry Rank	Sector Rank
PE	14.03
Fwd PE	10.83

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of KEY is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	13.56
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.

KEY's earnings are expected to grow with 21.27% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.54

PEG (5Y)N/A

EPS Next 2Y23.79%

EPS Next 3Y21.27%

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5. Dividend

5.1 Amount

KEY has a Yearly Dividend Yield of 4.29%, which is a nice return.

Compared to an average industry Dividend Yield of 3.54, KEY pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.38, KEY pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.29%

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%

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KEYCORP

NYSE:KEY (9/19/2025, 8:24:47 PM)

After market: 18.9851 -0.09 (-0.5%)

19.08

-0.05 (-0.26%)

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 Cap20.92B

Analysts73.33

Price Target20.67 (8.33%)

Short Float %3.61%

Short Ratio1.37

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.29%

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)1.32%

PT rev (3m)12.73%

EPS NQ rev (1m)0.19%

EPS NQ rev (3m)-0.47%

EPS NY rev (1m)0%

EPS NY rev (3m)0.12%

Revenue NQ rev (1m)0.05%

Revenue NQ rev (3m)0.58%

Revenue NY rev (1m)0.04%

Revenue NY rev (3m)0.8%

Valuation

		Industry Rank	Sector Rank
PE	14.03
Fwd PE	10.83
P/S	4.08
P/FCF	13.56
P/OCF	12.95
P/B	1.07
P/tB	1.25
EV/EBITDA	N/A

EPS(TTM)1.36

EY7.13%

EPS(NY)1.76

Fwd EY9.24%

FCF(TTM)1.41

FCFY7.38%

OCF(TTM)1.47

OCFY7.72%

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

WACC14.34%

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 Year29.48%

Revenue Next 2Y17.25%

Revenue Next 3Y13.06%

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