Overview Dividends

(KEY) KeyCorp - Ratings and Ratios

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

Deposits, Loans, Mortgages, Credit Cards, Wealth Management

Regional Banks
Market Cap in USD: 19,540m

IPO / Inception: 1987-11-05
Return 12m vs S&P 500: -14.0%

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	4.46%
Yield on Cost 5y	6.67%
Yield CAGR 5y	2.60%
Payout Consistency	91.5%
Payout Ratio	55.8%

Risk via 10d forecast
Volatility	26.5%
Value at Risk 5%th	40.1%
Relative Tail Risk	-8.03%

Reward TTM
Sharpe Ratio	-0.07
Alpha	-19.20
CAGR/Max DD	0.09

Character TTM
Hurst Exponent	0.517
Beta	1.182
Beta Downside	1.428

Drawdowns 3y
Max DD	54.96%
Mean DD	20.59%
Median DD	17.75%

Description: KEY KeyCorp October 16, 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. The firm operates through two primary segments-Consumer Bank and Commercial Bank-offering deposit and investment products, consumer and business lending, mortgage and home-equity financing, credit cards, treasury and cash-management solutions, as well as wealth-management and institutional advisory services.

Recent performance metrics (as of Q3 2024) show a net interest margin of 3.15 % (up 5 bps YoY), loan growth of 4.2 % year-over-year, and a deposit base expanding by 3.8 % YoY, supporting a return on equity (ROE) of 11.2 %. The bank’s loan-to-deposit ratio sits near 78 %, indicating a balanced funding profile.

Key economic and sector drivers include the Federal Reserve’s policy stance on interest rates, which directly impacts net interest income, and regional-bank credit-quality trends that influence loan loss provisions. Additionally, the ongoing shift toward digital banking and fintech partnerships is reshaping fee-based revenue streams for regional banks like KEY.

For a deeper quantitative dive, the ValueRay platform provides granular metrics that can help you assess KEY’s valuation relative to peers.

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) 0.09 = Book Value of Equity 15.11b / 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) 53.70

1. Piotroski 3.0pt

2. FCF Yield 9.83%

3. FCF Margin 33.87%

4. Debt/Equity 0.71

5. Debt/Ebitda 14.49

6. ROIC - WACC (= -6.58)%

7. RoE 5.89%

8. Rev. Trend 44.82%

9. EPS Trend -42.07%

What is the price of KEY shares?

As of November 28, 2025, the stock is trading at USD 18.40 with a total of 10,410,113 shares traded.
Over the past week, the price has changed by +6.48%, over one month by +4.49%, over three months by -4.07% and over the past year by -1.21%.

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	21.5	16.9%
Analysts Target Price	21.5	16.9%
ValueRay Target Price	19.2	4.2%

KEY Fundamental Data Overview November 24, 2025

Market Cap USD = 19.54b (19.54b USD * 1.0 USD.USD)
P/E Trailing = 22.0
P/E Forward = 10.01
P/S = 3.2929
P/B = 1.1065
P/EG = 0.6651
Beta = 1.106
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 = 31.85b USD (19.54b + Debt 14.25b - CCE 1.94b)
Interest Coverage Ratio = 0.16 (Ebit TTM 641.0m / Interest Expense TTM 3.95b)
FCF Yield = 9.83% (FCF TTM 3.13b / Enterprise Value 31.85b)
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 = 0.17 (Enterprise Value 31.85b / 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 = 8.28% (E(19.54b)/V(33.79b) * Re(10.37%) + D(14.25b)/V(33.79b) * Rd(6.65%) * (1-Tc(0.19)))
Discount Rate = 10.37% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 9.16%
[DCF Debug] Terminal Value 60.90% ; FCFE base≈3.13b ; Y1≈2.07b ; Y5≈958.0m
Fair Price DCF = 12.28 (DCF Value 13.42b / 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: 44.82 | Revenue CAGR: -1.40% | SUE: -0.04 | # QB: 0

Additional Sources for KEY Stock

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