(KEY) KeyCorp - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US4932671088
Stock: Deposits, Loans, Treasury, Advisory, Wealth
Total Rating 42
Risk 38
Buy Signal 0.15
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.76% |
| Yield on Cost 5y | 7.60% |
| Yield CAGR 5y | 2.26% |
| Payout Consistency | 93.7% |
| Payout Ratio | 54.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 25.2% |
| Relative Tail Risk | -6.58% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.76 |
| Alpha | 9.41 |
| Character TTM | |
|---|---|
| Beta | 1.157 |
| Beta Downside | 1.411 |
| Drawdowns 3y | |
|---|---|
| Max DD | 54.89% |
| CAGR/Max DD | 0.15 |
Description: KEY KeyCorp December 19, 2025
KeyCorp (NYSE: KEY) is the holding company for KeyBank National Association, delivering a broad suite of retail and commercial banking services across the United States through its Consumer Bank and Commercial Bank segments. Its product lineup spans deposits, loans, credit cards, mortgage and home-equity financing, student-loan refinancing, commercial leasing, equipment financing, treasury and cash-management solutions, as well as wealth-management, investment-banking, and advisory services for individuals, corporations, non-profits, and high-net-worth clients.
Recent metrics show KEY’s net interest margin at 3.1% (Q3 2024), a 5% year-over-year increase in loan balances driven by strong commercial-real-estate demand, and a deposit growth rate of 4% despite a tightening credit environment. The regional-bank sector remains sensitive to Federal Reserve policy; higher policy rates generally expand net interest margins but can suppress loan demand, making the bank’s diversified fee-based income streams a critical buffer.
For a deeper quantitative view, you may explore the ValueRay platform to extend your analysis.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 1.83b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.45 > 1.0 |
| NWC/Revenue: -316.2% < 20% (prev -1399 %; Δ 1083 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.49b > Net Income 1.83b |
| Net Debt (9.71b) to EBITDA (2.32b): 4.18 < 3 |
| Current Ratio: 0.77 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.10b) vs 12m ago 10.98% < -2% |
| Gross Margin: 62.27% > 18% (prev 0.45%; Δ 6182 % > 0.5%) |
| Asset Turnover: 6.02% > 50% (prev 4.84%; Δ 1.18% > 0%) |
| Interest Coverage Ratio: 0.44 > 6 (EBITDA TTM 2.32b / Interest Expense TTM 3.75b) |
Altman Z'' -0.83
| A: -0.19 (Total Current Assets 118.70b - Total Current Liabilities 154.08b) / Total Assets 184.38b |
| B: 0.08 (Retained Earnings 15.36b / Total Assets 184.38b) |
| C: 0.01 (EBIT TTM 1.66b / Avg Total Assets 185.77b) |
| D: 0.09 (Book Value of Equity 14.66b / Total Liabilities 164.00b) |
| Altman-Z'' Score: -0.83 = CCC |
Beneish M 1.00
| DSRI: 31.40 (Receivables 105.11b/2.71b, Revenue 11.19b/9.05b) |
| GMI: 0.72 (GM 62.27% / 44.82%) |
| AQI: 0.41 (AQ_t 0.35 / AQ_t-1 0.86) |
| SGI: 1.24 (Revenue 11.19b / 9.05b) |
| TATA: 0.00 (NI 1.83b - CFO 1.49b) / TA 184.38b) |
| Beneish M-Score: 21.56 (Cap -4..+1) = D |
What is the price of KEY shares?
As of February 02, 2026, the stock is trading at USD 21.52 with a total of 13,710,642 shares traded.
Over the past week, the price has changed by +1.08%, over one month by +2.57%, over three months by +24.06% and over the past year by +29.13%.
Over the past week, the price has changed by +1.08%, over one month by +2.57%, over three months by +24.06% and over the past year by +29.13%.
Is KEY a buy, sell or hold?
KeyCorp has received a consensus analysts rating of 3.88.
Therefore, it is recommended to buy KEY.
- StrongBuy: 8
- Buy: 5
- Hold: 11
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the KEY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 24.3 | 12.9% |
| Analysts Target Price | 24.3 | 12.9% |
| ValueRay Target Price | 23.5 | 9.3% |
KEY Fundamental Data Overview February 02, 2026
P/E Trailing = 14.2517
P/E Forward = 10.3734
P/S = 3.3857
P/B = 1.1912
P/EG = 0.6651
Revenue TTM = 11.19b USD
EBIT TTM = 1.66b USD
EBITDA TTM = 2.32b USD
Long Term Debt = 9.92b USD (from longTermDebt, last quarter)
Short Term Debt = 1.08b USD (from shortTermDebt, last quarter)
Debt = 11.00b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 9.71b USD (from netDebt column, last quarter)
Enterprise Value = 23.27b USD (23.72b + Debt 11.00b - CCE 11.45b)
Interest Coverage Ratio = 0.44 (Ebit TTM 1.66b / Interest Expense TTM 3.75b)
EV/FCF = 16.30x (Enterprise Value 23.27b / FCF TTM 1.43b)
FCF Yield = 6.14% (FCF TTM 1.43b / Enterprise Value 23.27b)
FCF Margin = 12.76% (FCF TTM 1.43b / Revenue TTM 11.19b)
Net Margin = 16.35% (Net Income TTM 1.83b / Revenue TTM 11.19b)
Gross Margin = 62.27% ((Revenue TTM 11.19b - Cost of Revenue TTM 4.22b) / Revenue TTM)
Gross Margin QoQ = 66.05% (prev 62.80%)
Tobins Q-Ratio = 0.13 (Enterprise Value 23.27b / Total Assets 184.38b)
Interest Expense / Debt = 7.84% (Interest Expense 863.0m / Debt 11.00b)
Taxrate = 21.30% (138.0m / 648.0m)
NOPAT = 1.30b (EBIT 1.66b * (1 - 21.30%))
Current Ratio = 0.77 (Total Current Assets 118.70b / Total Current Liabilities 154.08b)
Debt / Equity = 0.54 (Debt 11.00b / totalStockholderEquity, last quarter 20.38b)
Debt / EBITDA = 4.18 (Net Debt 9.71b / EBITDA 2.32b)
Debt / FCF = 6.80 (Net Debt 9.71b / FCF TTM 1.43b)
Total Stockholder Equity = 19.74b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.98% (Net Income 1.83b / Total Assets 184.38b)
RoE = 9.26% (Net Income TTM 1.83b / Total Stockholder Equity 19.74b)
RoCE = 5.58% (EBIT 1.66b / Capital Employed (Equity 19.74b + L.T.Debt 9.92b))
RoIC = 4.21% (NOPAT 1.30b / Invested Capital 30.96b)
WACC = 8.91% (E(23.72b)/V(34.72b) * Re(10.18%) + D(11.00b)/V(34.72b) * Rd(7.84%) * (1-Tc(0.21)))
Discount Rate = 10.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 8.28%
[DCF Debug] Terminal Value 66.35% ; FCFF base≈1.10b ; Y1≈724.2m ; Y5≈334.6m
Fair Price DCF = N/A (negative equity: EV 5.63b - Net Debt 9.71b = -4.08b; debt exceeds intrinsic value)
[DCF Warning] FCF declining rapidly (-39.55%), DCF may be unreliable
EPS Correlation: -24.50 | EPS CAGR: -2.45% | SUE: 0.12 | # QB: 0
Revenue Correlation: 68.69 | Revenue CAGR: 15.06% | SUE: 3.24 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.41 | Chg30d=+0.004 | Revisions Net=+8 | Analysts=16
EPS current Year (2026-12-31): EPS=1.81 | Chg30d=+0.023 | Revisions Net=+8 | Growth EPS=+20.7% | Growth Revenue=+7.2%
EPS next Year (2027-12-31): EPS=2.13 | Chg30d=+0.027 | Revisions Net=+6 | Growth EPS=+17.4% | Growth Revenue=+6.0%
P/E Forward = 10.3734
P/S = 3.3857
P/B = 1.1912
P/EG = 0.6651
Revenue TTM = 11.19b USD
EBIT TTM = 1.66b USD
EBITDA TTM = 2.32b USD
Long Term Debt = 9.92b USD (from longTermDebt, last quarter)
Short Term Debt = 1.08b USD (from shortTermDebt, last quarter)
Debt = 11.00b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 9.71b USD (from netDebt column, last quarter)
Enterprise Value = 23.27b USD (23.72b + Debt 11.00b - CCE 11.45b)
Interest Coverage Ratio = 0.44 (Ebit TTM 1.66b / Interest Expense TTM 3.75b)
EV/FCF = 16.30x (Enterprise Value 23.27b / FCF TTM 1.43b)
FCF Yield = 6.14% (FCF TTM 1.43b / Enterprise Value 23.27b)
FCF Margin = 12.76% (FCF TTM 1.43b / Revenue TTM 11.19b)
Net Margin = 16.35% (Net Income TTM 1.83b / Revenue TTM 11.19b)
Gross Margin = 62.27% ((Revenue TTM 11.19b - Cost of Revenue TTM 4.22b) / Revenue TTM)
Gross Margin QoQ = 66.05% (prev 62.80%)
Tobins Q-Ratio = 0.13 (Enterprise Value 23.27b / Total Assets 184.38b)
Interest Expense / Debt = 7.84% (Interest Expense 863.0m / Debt 11.00b)
Taxrate = 21.30% (138.0m / 648.0m)
NOPAT = 1.30b (EBIT 1.66b * (1 - 21.30%))
Current Ratio = 0.77 (Total Current Assets 118.70b / Total Current Liabilities 154.08b)
Debt / Equity = 0.54 (Debt 11.00b / totalStockholderEquity, last quarter 20.38b)
Debt / EBITDA = 4.18 (Net Debt 9.71b / EBITDA 2.32b)
Debt / FCF = 6.80 (Net Debt 9.71b / FCF TTM 1.43b)
Total Stockholder Equity = 19.74b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.98% (Net Income 1.83b / Total Assets 184.38b)
RoE = 9.26% (Net Income TTM 1.83b / Total Stockholder Equity 19.74b)
RoCE = 5.58% (EBIT 1.66b / Capital Employed (Equity 19.74b + L.T.Debt 9.92b))
RoIC = 4.21% (NOPAT 1.30b / Invested Capital 30.96b)
WACC = 8.91% (E(23.72b)/V(34.72b) * Re(10.18%) + D(11.00b)/V(34.72b) * Rd(7.84%) * (1-Tc(0.21)))
Discount Rate = 10.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 8.28%
[DCF Debug] Terminal Value 66.35% ; FCFF base≈1.10b ; Y1≈724.2m ; Y5≈334.6m
Fair Price DCF = N/A (negative equity: EV 5.63b - Net Debt 9.71b = -4.08b; debt exceeds intrinsic value)
[DCF Warning] FCF declining rapidly (-39.55%), DCF may be unreliable
EPS Correlation: -24.50 | EPS CAGR: -2.45% | SUE: 0.12 | # QB: 0
Revenue Correlation: 68.69 | Revenue CAGR: 15.06% | SUE: 3.24 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.41 | Chg30d=+0.004 | Revisions Net=+8 | Analysts=16
EPS current Year (2026-12-31): EPS=1.81 | Chg30d=+0.023 | Revisions Net=+8 | Growth EPS=+20.7% | Growth Revenue=+7.2%
EPS next Year (2027-12-31): EPS=2.13 | Chg30d=+0.027 | Revisions Net=+6 | Growth EPS=+17.4% | Growth Revenue=+6.0%