Overview Dividends

(KEY) KeyCorp - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US4932671088

Deposits, Loans, Treasury, Advisory, Wealth

Regional Banks
Market Cap in USD: 23,104m

IPO / Inception: 1987-11-05
Return 12m vs S&P 500: 9.34%

EPS (Earnings per Share)

EPS CAGR: -11.20%
EPS Trend: -42.1%

Last SUE: 0.12
Qual. Beats: 0

Revenue

Rev. CAGR: -1.40%
Rev. Trend: 44.8%

Last SUE: -0.04
Qual. Beats: 0

Dividends

Dividend Yield	3.87%
Yield on Cost 5y	6.42%
Yield CAGR 5y	2.60%
Payout Consistency	91.5%
Payout Ratio	55.8%

Risk via 5d forecast
Volatility	33.9%
Value at Risk 5%th	49.5%
Relative Tail Risk	-11.15%

Reward TTM
Sharpe Ratio	0.82
Alpha	9.53
CAGR/Max DD	0.24

Character TTM
Hurst Exponent	0.520
Beta	1.153
Beta Downside	1.457

Drawdowns 3y
Max DD	54.96%
Mean DD	20.35%
Median DD	17.75%

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) 3.0

Net Income (1.14b TTM) > 0 and > 6% of Revenue (6% = 554.8m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA 1.73pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1370 % (prev -1256 %; Δ -114.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 3.22b > Net Income 1.14b (YES >=105%, WARN >=100%)

Net Debt (10.32b) to EBITDA (712.0m) ratio: 14.49 <= 3.0 (WARN <= 3.5)

Current Ratio 0.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (1.11b) change vs 12m ago 17.28% (target <= -2.0% for YES)

Gross Margin 64.68% (prev 47.86%; Δ 16.82pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.90% (prev 5.16%; Δ -0.26pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.16 (EBITDA TTM 712.0m / Interest Expense TTM 3.95b) >= 6 (WARN >= 3)

Altman Z'' -4.05

(A) -0.68 = (Total Current Assets 25.22b - Total Current Liabilities 151.90b) / Total Assets 187.41b

(B) 0.08 = Retained Earnings (Balance) 15.11b / Total Assets 187.41b

(D) 0.10 = Book Value of Equity 16.37b / Total Liabilities 167.31b

Total Rating: -4.05 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 53.04

1. Piotroski 3.0pt

2. FCF Yield 8.84%

3. FCF Margin 33.87%

4. Debt/Equity 0.71

5. Debt/Ebitda 14.49

6. ROIC - WACC (= -6.71)%

7. RoE 5.89%

8. Rev. Trend 44.80%

9. EPS Trend -42.07%

What is the price of KEY shares?

As of December 29, 2025, the stock is trading at USD 21.19 with a total of 7,615,793 shares traded.
Over the past week, the price has changed by -0.09%, over one month by +16.57%, over three months by +13.48% and over the past year by +29.83%.

Is KEY a buy, sell or hold?

KeyCorp has received a consensus analysts rating of 3.88. Therefore, it is recommended to buy KEY.

Strong Buy: 8
Buy: 5
Hold: 11
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the KEY price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	22.7	7.1%
Analysts Target Price	22.7	7.1%
ValueRay Target Price	22.8	7.5%

KEY Fundamental Data Overview December 26, 2025

Market Cap USD = 23.10b (23.10b USD * 1.0 USD.USD)
P/E Trailing = 26.0988
P/E Forward = 11.8203
P/S = 3.8935
P/B = 1.307
P/EG = 0.6651
Beta = 1.101
Revenue TTM = 9.25b USD
EBIT TTM = 641.0m USD
EBITDA TTM = 712.0m USD
Long Term Debt = 10.92b USD (from longTermDebt, last quarter)
Short Term Debt = 1.34b USD (from shortLongTermDebt, last quarter)
Debt = 14.25b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 10.32b USD (from netDebt column, last quarter)
Enterprise Value = 35.42b USD (23.10b + Debt 14.25b - CCE 1.94b)
Interest Coverage Ratio = 0.16 (Ebit TTM 641.0m / Interest Expense TTM 3.95b)
FCF Yield = 8.84% (FCF TTM 3.13b / Enterprise Value 35.42b)
FCF Margin = 33.87% (FCF TTM 3.13b / Revenue TTM 9.25b)
Net Margin = 12.32% (Net Income TTM 1.14b / Revenue TTM 9.25b)
Gross Margin = 64.68% ((Revenue TTM 9.25b - Cost of Revenue TTM 3.27b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 62.80%)
Tobins Q-Ratio = 0.19 (Enterprise Value 35.42b / Total Assets 187.41b)
Interest Expense / Debt = 6.65% (Interest Expense 947.0m / Debt 14.25b)
Taxrate = 18.60% (112.0m / 602.0m)
NOPAT = 521.7m (EBIT 641.0m * (1 - 18.60%))
Current Ratio = 0.17 (Total Current Assets 25.22b / Total Current Liabilities 151.90b)
Debt / Equity = 0.71 (Debt 14.25b / totalStockholderEquity, last quarter 20.10b)
Debt / EBITDA = 14.49 (Net Debt 10.32b / EBITDA 712.0m)
Debt / FCF = 3.29 (Net Debt 10.32b / FCF TTM 3.13b)
Total Stockholder Equity = 19.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.61% (Net Income 1.14b / Total Assets 187.41b)
RoE = 5.89% (Net Income TTM 1.14b / Total Stockholder Equity 19.35b)
RoCE = 2.12% (EBIT 641.0m / Capital Employed (Equity 19.35b + L.T.Debt 10.92b))
RoIC = 1.70% (NOPAT 521.7m / Invested Capital 30.70b)
WACC = 8.41% (E(23.10b)/V(37.35b) * Re(10.26%) + D(14.25b)/V(37.35b) * Rd(6.65%) * (1-Tc(0.19)))
Discount Rate = 10.26% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 9.16%
[DCF Debug] Terminal Value 61.32% ; FCFE base≈3.13b ; Y1≈2.07b ; Y5≈958.0m
Fair Price DCF = 12.52 (DCF Value 13.60b / Shares Outstanding 1.09b; 5y FCF grow -39.55% → 3.0% )
EPS Correlation: -42.07 | EPS CAGR: -11.20% | SUE: 0.12 | # QB: 0
Revenue Correlation: 44.80 | Revenue CAGR: -1.40% | SUE: -0.04 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.40 | Chg30d=+0.002 | Revisions Net=+0 | Analysts=14
EPS next Year (2026-12-31): EPS=1.79 | Chg30d=+0.022 | Revisions Net=+5 | Growth EPS=+21.1% | Growth Revenue=+7.5%

Additional Sources for KEY Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle