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

KEY EPS (Earnings per Share)

EPS Growth (3Y CAGR): 2.80%
EPS Trend (3Y Correlation): -2.8%

KEY Revenue

Revenue Growth (3Y CAGR): -1.97%
Revenue Trend (3Y Correlation): 10.9%

Description: KEY KeyCorp

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.

KEY Stock Overview

Market Cap in USD	18,675m
Sub-Industry	Regional Banks
IPO / Inception	1987-11-05

KEY Stock Ratings

Growth Rating	18.0%
Fundamental	34.9%
Dividend Rating	64.1%
Return 12m vs S&P 500	-8.45%
Analyst Rating	3.88 of 5

KEY Dividends

Dividend Yield 12m	4.72%
Yield on Cost 5y	7.98%
Annual Growth 5y	2.60%
Payout Consistency	93.7%
Payout Ratio	82.0%

KEY Growth Ratios

Growth Correlation 3m	11.3%
Growth Correlation 12m	28.3%
Growth Correlation 5y	-6.9%
CAGR 5y	5.06%
CAGR/Max DD 3y (Calmar Ratio)	0.09
CAGR/Mean DD 3y (Pain Ratio)	0.25
Sharpe Ratio 12m	-0.12
Alpha	-15.42
Beta	1.131
Volatility	43.36%
Current Volume	20070k
Average Volume 20d	25284.9k
Stop Loss	16.7 (-3.9%)
Signal	-0.13

Piotroski VR‑10 (Strict, 0-10) 0.0

Net Income (240.0m TTM) > 0 and > 6% of Revenue (6% = 493.0m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 499.7% (prev -1125 %; Δ 1625 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 1.62b > Net Income 240.0m (YES >=105%, WARN >=100%)

Net Debt (10.32b) to EBITDA (225.0m) ratio: 45.86 <= 3.0 (WARN <= 3.5)

Current Ratio 31.66 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (1.10b) change vs 12m ago 17.30% (target <= -2.0% for YES)

Gross Margin 43.60% (prev 52.75%; Δ -9.15pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.38% (prev 5.64%; Δ -1.26pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.03 (EBITDA TTM 225.0m / Interest Expense TTM 4.22b) >= 6 (WARN >= 3)

Altman Z'' 1.79

(A) 0.22 = (Total Current Assets 42.39b - Total Current Liabilities 1.34b) / Total Assets 187.41b

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

(D) 0.08 = Book Value of Equity 14.22b / Total Liabilities 167.31b

Total Rating: 1.79 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 34.94

1. Piotroski 0.0pt = -5.0

2. FCF Yield -13.46% = -5.0

3. FCF Margin 18.78% = 4.70

4. Debt/Equity 0.61 = 2.32

5. Debt/Ebitda 45.86 = -2.50

6. ROIC - WACC (= -8.29)% = -10.36

7. RoE 1.29% = 0.11

8. Rev. Trend 10.89% = 0.82

9. EPS Trend -2.85% = -0.14

What is the price of KEY shares?

As of October 21, 2025, the stock is trading at USD 17.38 with a total of 20,069,986 shares traded.
Over the past week, the price has changed by -1.03%, over one month by -7.16%, over three months by -3.88% and over the past year by +6.58%.

Is KeyCorp a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, KeyCorp (NYSE:KEY) is currently (October 2025) a stock to sell. It has a ValueRay Fundamental Rating of 34.94 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of KEY is around 16.34 USD . This means that KEY is currently overvalued and has a potential downside of -5.98%.

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	21.7	24.6%
Analysts Target Price	21.7	24.6%
ValueRay Target Price	18.2	4.9%

Last update: 2025-10-19 02:01

KEY Fundamental Data Overview

Market Cap USD = 18.68b (18.68b USD * 1.0 USD.USD)
P/E Forward = 10.3734
P/S = 3.1472
P/B = 1.1912
P/EG = 0.6651
Beta = 1.131
Revenue TTM = 8.22b USD
EBIT TTM = 135.0m USD
EBITDA TTM = 225.0m USD
Long Term Debt = 12.06b USD (from longTermDebt, last quarter)
Short Term Debt = 1.34b USD (from shortTermDebt, last quarter)
Debt = 12.26b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.32b USD (from netDebt column, last quarter)
Enterprise Value = -11.46b USD (18.68b + Debt 12.26b - CCE 42.39b)
Interest Coverage Ratio = 0.03 (Ebit TTM 135.0m / Interest Expense TTM 4.22b)
FCF Yield = -13.46% (FCF TTM 1.54b / Enterprise Value -11.46b)
FCF Margin = 18.78% (FCF TTM 1.54b / Revenue TTM 8.22b)
Net Margin = 2.92% (Net Income TTM 240.0m / Revenue TTM 8.22b)
Gross Margin = 43.60% ((Revenue TTM 8.22b - Cost of Revenue TTM 4.63b) / Revenue TTM)
Gross Margin QoQ = 37.94% (prev 59.53%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -11.46b / Total Assets 187.41b)
Interest Expense / Debt = 7.73% (Interest Expense 947.0m / Debt 12.26b)
Taxrate = 18.60% (112.0m / 602.0m)
NOPAT = 109.9m (EBIT 135.0m * (1 - 18.60%))
Current Ratio = 31.66 (Total Current Assets 42.39b / Total Current Liabilities 1.34b)
Debt / Equity = 0.61 (Debt 12.26b / totalStockholderEquity, last quarter 20.10b)
Debt / EBITDA = 45.86 (Net Debt 10.32b / EBITDA 225.0m)
Debt / FCF = 6.69 (Net Debt 10.32b / FCF TTM 1.54b)
Total Stockholder Equity = 18.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.13% (Net Income 240.0m / Total Assets 187.41b)
RoE = 1.29% (Net Income TTM 240.0m / Total Stockholder Equity 18.53b)
RoCE = 0.44% (EBIT 135.0m / Capital Employed (Equity 18.53b + L.T.Debt 12.06b))
RoIC = 0.35% (NOPAT 109.9m / Invested Capital 31.33b)
WACC = 8.64% (E(18.68b)/V(30.93b) * Re(10.18%) + D(12.26b)/V(30.93b) * Rd(7.73%) * (1-Tc(0.19)))
Discount Rate = 10.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 9.06%
[DCF Debug] Terminal Value 66.87% ; FCFE base≈1.59b ; Y1≈1.30b ; Y5≈928.4m
Fair Price DCF = 11.19 (DCF Value 12.27b / Shares Outstanding 1.10b; 5y FCF grow -21.64% → 3.0% )
EPS Correlation: -2.85 | EPS CAGR: 2.80% | SUE: 0.12 | # QB: 0
Revenue Correlation: 10.89 | Revenue CAGR: -1.97% | SUE: -0.02 | # QB: 0

Additional Sources for KEY Stock

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