KeyCorp (KEY) 10-Year Financial Performance & Capital Metrics

KEY • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

AboutKeyCorp operates as the holding company for KeyBank National Association that provides various retail and commercial banking products and services in the United States. It operates in two segments, Consumer Bank and Commercial Bank. The company offers various deposits, investment products and services; and personal finance and financial wellness, student loan refinancing, mortgage and home equity, lending, credit card, treasury, business advisory, wealth management, asset management, investment, cash management, portfolio management, and trust and related services to individuals and small and medium-sized businesses. It also provides a suite of banking and capital market products, such as syndicated finance, debt and equity capital market products, commercial payments, equipment finance, commercial mortgage banking, derivatives, foreign exchange, financial advisory, and public finance, as well as commercial mortgage loans comprising consumer, energy, healthcare, industrial, public sector, real estate, and technology loans for middle market clients. In addition, the company offers community development financing, securities underwriting, brokerage, and investment banking services. As of December 31, 2021, it operated through a network of approximately 999 branches and 1,317 ATMs in 15 states, as well as additional offices, online and mobile banking capabilities, and a telephone banking call center. KeyCorp was founded in 1849 and is headquartered in Cleveland, Ohio.Show more

Net Interest Income $3.77B -3.8%
Total Revenue $9.05B -11.5%
Net Income -$161M -116.6%
Return on Equity -0.98% -114.3%
Net Interest Margin 2.01% -3.2%
Efficiency Ratio 48.19% +8.0%
ROA -0.09% -116.8%
Equity / Assets 9.71% +24.9%
Book Value per Share 19.14 +22.0%
Tangible BV/Share 16.21 +27.8%
Debt/Equity 0.78 -49.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 48.2% efficiency ratio
✓Healthy dividend yield of 4.6%
✓Trading near 52-week high
✓Trading at only 1.1x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y8%

5Y3.82%

3Y7.28%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM626.35%

EPS CAGR

10Y-

5Y-

3Y-

TTM8000%

ROCE

10Y Avg5.66%

5Y Avg5.12%

3Y Avg3.3%

Latest-0.82%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	2.35B	2.92B	3.78B	3.91B	3.91B	4.03B	4.07B	4.53B	3.91B	3.77B
NII Growth %	0.02%	0.24%	0.29%	0.03%	0%	0.03%	0.01%	0.11%	-0.14%	-0.04%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	2.62B	3.32B	4.39B	4.88B	5.24B	4.68B	4.37B	5.41B	7.93B	8.43B
Interest Expense	274M	400M	613M	969M	1.33B	651M	296M	885M	4.01B	4.66B
Loan Loss Provision	166M	266M	229M	246M	445M	1.02B	-418M	502M	489M	335M
Non-Interest Income+	1.72B	1.84B	2.29B	2.25B	2.27B	2.46B	2.97B	2.5B	2.3B	628M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	4.34B	5.16B	6.68B	7.13B	7.51B	7.14B	7.33B	7.91B	10.23B	9.05B
Revenue Growth %	0.04%	0.19%	0.3%	0.07%	0.05%	-0.05%	0.03%	0.08%	0.29%	-0.11%
Non-Interest Expense	2.68B	3.52B	3.91B	3.71B	3.71B	3.91B	4.2B	4.19B	4.57B	4.36B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.22B	968M	1.93B	2.2B	2.02B	1.56B	3.25B	2.33B	1.16B	-306M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.04%	-0.21%	0.99%	0.14%	-0.08%	-0.23%	1.09%	-0.28%	-0.5%	-1.26%
Pretax Income+	1.22B	968M	1.93B	2.2B	2.02B	1.56B	3.25B	2.33B	1.16B	-306M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	303M	179M	637M	344M	314M	227M	642M	422M	196M	-143M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	916M	791M	1.3B	1.87B	1.72B	1.34B	2.63B	1.92B	967M	-161M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.02%	-0.14%	0.64%	0.44%	-0.08%	-0.22%	0.95%	-0.27%	-0.5%	-1.17%
Net Income (Continuing)	919M	789M	1.29B	1.86B	1.71B	1.33B	2.61B	1.91B	964M	-163M
EPS (Diluted)+	1.05	0.80	1.13	1.71	1.62	1.27	2.63	1.93	0.88	-0.32
EPS Growth %	0.06%	-0.24%	0.41%	0.51%	-0.05%	-0.22%	1.07%	-0.27%	-0.54%	-1.36%
EPS (Basic)	1.06	0.81	1.14	1.73	1.63	1.28	2.66	1.95	0.88	-0.32
Diluted Shares Outstanding	844.49M	938.54M	1.09B	1.05B	1B	974.81M	957.41M	933.06M	932.76M	949.56M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	607M	677M	671M	678M	732M	1.09B	913M	887M	941M	1.74B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	80.69B	118B	119.02B	120.63B	125.15B	149.47B	164.62B	167.13B	166.26B	164.87B
Investments Growth %	0.02%	0.46%	0.01%	0.01%	0.04%	0.19%	0.1%	0.02%	-0.01%	-0.01%
Long-Term Investments	63.77B	95.02B	96.43B	98.64B	102.03B	105.72B	108.24B	125.58B	118.26B	144.1B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	1.06B	2.45B	2.54B	2.52B	2.66B	2.66B	2.69B	2.75B	2.75B	2.75B
Intangible Assets	65M	384M	416M	316M	253M	188M	130M	94M	55M	27M
PP&E (Net)	779M	978M	930M	882M	814M	753M	681M	636M	661M	614M
Other Assets	7.95B	9.32B	9.34B	10.03B	10.72B	11.81B	13.28B	14.41B	14.12B	14.46B
Total Current Assets	21.5B	28.31B	28.04B	27.24B	28.5B	49.19B	61.33B	46.34B	52.43B	25.22B
Total Non-Current Assets	73.63B	108.15B	109.66B	112.38B	116.49B	121.14B	125.02B	143.47B	135.85B	161.95B
Total Assets+	95.13B	136.45B	137.7B	139.61B	144.99B	170.34B	186.35B	189.81B	188.28B	187.17B
Asset Growth %	0.01%	0.43%	0.01%	0.01%	0.04%	0.17%	0.09%	0.02%	-0.01%	-0.01%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	-0%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	11.09B	14.69B	15.34B	14.6B	13.54B	14.69B	12.8B	28.77B	22.64B	14.25B
Net Debt	10.48B	14.02B	14.67B	13.92B	12.81B	13.6B	11.89B	27.88B	21.7B	12.51B
Long-Term Debt	10.18B	12.36B	14.32B	13.72B	12.44B	13.7B	12.03B	19.3B	19.55B	12.1B
Short-Term Debt	905M	2.31B	1.01B	863M	1.09B	979M	761M	9.46B	3.09B	2.14B
Other Liabilities	632M	636M	0	0	0	0	0	0	5.41B	4.98B
Total Current Liabilities	73.56B	108.19B	108.34B	110.28B	115.5B	138.65B	156.88B	157.05B	148.68B	151.9B
Total Non-Current Liabilities	10.82B	13.02B	14.33B	13.73B	12.45B	13.71B	12.04B	19.31B	24.97B	17.09B
Total Liabilities	84.37B	121.21B	122.67B	124.02B	127.95B	152.35B	168.92B	176.36B	173.64B	168.99B
Total Equity+	10.76B	15.24B	15.03B	15.6B	17.04B	17.98B	17.42B	13.45B	14.64B	18.18B
Equity Growth %	0.02%	0.42%	-0.01%	0.04%	0.09%	0.06%	-0.03%	-0.23%	0.09%	0.24%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.09%	0.06%	0.09%	0.12%	0.11%	0.08%	0.15%	0.12%	0.07%	-0.01%
Book Value per Share	12.74	16.24	13.80	14.79	17.00	18.45	18.20	14.42	15.69	19.14
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	1.02B	1.26B	1.26B	1.26B	1.26B	1.26B	1.26B	1.26B	1.26B	1.26B
Additional Paid-in Capital	3.92B	6.38B	6.33B	6.33B	6.29B	6.28B	6.28B	6.29B	6.28B	6.04B
Retained Earnings	8.92B	9.38B	10.34B	11.56B	12.47B	12.75B	14.55B	15.62B	15.67B	14.58B
Accumulated OCI	-405M	-541M	-779M	-818M	26M	738M	-586M	-6.29B	-5.23B	-3.47B
Treasury Stock	-3B	-2.9B	-3.15B	-4.18B	-4.91B	-4.95B	-5.98B	-5.91B	-5.84B	-2.73B
Preferred Stock	290M	1.67B	1.02B	1.45B	1.9B	1.9B	1.9B	2.5B	2.5B	2.5B

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	1.13B	1.69B	1.81B	2.51B	2.91B	1.67B	1.15B	4.47B	2.9B	664M
Operating CF Growth %	-0.14%	0.49%	0.07%	0.38%	0.16%	-0.42%	-0.31%	2.88%	-0.35%	-0.77%
Net Income	920M	790M	1.3B	1.87B	1.72B	1.34B	2.63B	1.92B	967M	-161M
Depreciation & Amortization	247M	314M	407M	382M	241M	111M	32M	164M	154M	73M
Deferred Taxes	-76M	11M	303M	98M	53M	-191M	146M	-27M	-108M	-351M
Other Non-Cash Items	20M	554M	-324M	74M	990M	4M	-1.79B	2.06B	1.08B	1.48B
Working Capital Changes	-38M	-79M	31M	-13M	-191M	305M	34M	237M	691M	-483M
Cash from Investing+	-2.02B	-6.46B	-2.24B	-2.48B	-4.92B	-24.72B	-15.07B	-10.93B	1.42B	2.5B
Purchase of Investments	-3.55B	-12.8B	-8.16B	-3.98B	-5.79B	-30.69B	-28.25B	-8.78B	-11.74B	-27.77B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-481M	-144M	124M	-185M	0	-29M	-58M	0	0
Other Investing	-2.77B	-3.4B	-656M	-3.38B	-5.69B	-7.08B	-3.86B	-17.42B	6.92B	8.24B
Cash from Financing+	846M	4.84B	418M	-17M	2.07B	23.41B	13.74B	6.44B	-4.27B	-2.36B
Dividends Paid	-267M	-335M	-480M	-656M	-804M	-829M	-823M	-854M	-911M	-927M
Share Repurchases	-448M	-140M	-1.01B	-1.1B	-835M	-134M	-1.14B	0	-38M	0
Stock Issued	22M	32M	25M	20M	18M	8M	27M	6M	1M	10M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	-952M	4.05B	1.08B	2.03B	4.53B	23.38B	17.26B	-10.02B	2.96B	6.92B
Net Change in Cash+	-46M	70M	-6M	7M	54M	359M	-178M	-26M	54M	802M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	653M	607M	677M	671M	678M	732M	1.09B	913M	887M	941M
Cash at End	607M	677M	671M	678M	732M	1.09B	913M	887M	941M	1.74B
Interest Paid	329M	429M	598M	892M	1.25B	731M	363M	601M	3.11B	4.16B
Income Taxes Paid	281M	144M	6M	12M	18M	241M	277M	292M	156M	68M
Free Cash Flow+	1.06B	1.54B	1.7B	2.41B	2.82B	1.61B	1.09B	4.36B	2.76B	599M
FCF Growth %	-0.14%	0.46%	0.1%	0.41%	0.17%	-0.43%	-0.32%	3.01%	-0.37%	-0.78%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	8.6%	6.08%	8.56%	12.19%	10.52%	7.67%	14.83%	12.42%	6.88%	-0.98%
Return on Assets (ROA)	0.97%	0.68%	0.95%	1.35%	1.21%	0.85%	1.47%	1.02%	0.51%	-0.09%
Net Interest Margin	2.47%	2.14%	2.74%	2.8%	2.7%	2.37%	2.18%	2.38%	2.08%	2.01%
Efficiency Ratio	61.73%	68.3%	58.51%	52.03%	49.47%	54.8%	57.29%	52.98%	44.64%	48.19%
Equity / Assets	11.31%	11.17%	10.91%	11.17%	11.75%	10.56%	9.35%	7.09%	7.77%	9.71%
Book Value / Share	12.74	16.24	13.8	14.79	17	18.45	18.2	14.42	15.69	19.14
NII Growth	2.4%	24.32%	29.39%	3.49%	0%	3.2%	0.92%	11.2%	-13.56%	-3.78%
Dividend Payout	29.15%	42.35%	37.04%	35.16%	46.83%	61.73%	31.35%	44.55%	94.21%	-

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Investment Banking And Debt Placement	-	-	-	260M	-	-	-	-	-	521M
Investment Banking And Debt Placement Growth	-	-	-	-	-	-	-	-	-	-
Trust And Investment Services	-	-	-	427M	-	-	-	-	-	518M
Trust And Investment Services Growth	-	-	-	-	-	-	-	-	-	-
Cards And Payments	-	-	-	263M	-	-	-	-	-	331M
Cards And Payments Growth	-	-	-	-	-	-	-	-	-	-
Service Charges On Deposit Accounts	-	-	-	362M	-	-	-	-	-	261M
Service Charges On Deposit Accounts Growth	-	-	-	-	-	-	-	-	-	-
Other Noninterest Income	177M	109M	128M	18M	-	-	-	-	-	12M
Other Noninterest Income Growth	-	-38.42%	17.43%	-85.94%	-	-	-	-	-	-
Net Interest Income	-	-	-	-	5.24B	4.68B	4.37B	5.41B	7.93B	-
Net Interest Income Growth	-	-	-	-	-	-10.51%	-6.79%	23.93%	46.47%	-
Total Non Interest Income	-	-	-	-	3.91B	2.65B	3.19B	2.72B	2.47B	-
Total Non Interest Income Growth	-	-	-	-	-	-32.16%	20.44%	-14.90%	-9.12%	-
Community Banking	2.27B	2.87B	3.84B	-	-	-	-	-	-	-
Community Banking Growth	-	26.24%	33.81%	-	-	-	-	-	-	-
Corporate Banking	1.81B	2.06B	2.34B	-	-	-	-	-	-	-
Corporate Banking Growth	-	13.86%	13.34%	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024

Frequently Asked Questions

Growth & Financials

KeyCorp (KEY) saw revenue decline by 11.5% over the past year.

Yes, KeyCorp (KEY) is profitable, generating $1.07B in net income for fiscal year 2024 (-1.8% net margin).

Dividend & Returns

Yes, KeyCorp (KEY) pays a dividend with a yield of 4.60%. This makes it attractive for income-focused investors.

KeyCorp (KEY) has a return on equity (ROE) of -1.0%. Negative ROE indicates the company is unprofitable.

Industry Metrics

KeyCorp (KEY) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.

KeyCorp (KEY) has an efficiency ratio of 48.2%. This is excellent, indicating strong cost control.

US Stock Screener

...

KeyCorp (KEY) 10-Year Financial Performance & Capital Metrics

KEY • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

Net Interest Income $3.77B -3.8%
Total Revenue $9.05B -11.5%
Net Income -$161M -116.6%
Return on Equity -0.98% -114.3%
Net Interest Margin 2.01% -3.2%
Efficiency Ratio 48.19% +8.0%
ROA -0.09% -116.8%
Equity / Assets 9.71% +24.9%
Book Value per Share 19.14 +22.0%
Tangible BV/Share 16.21 +27.8%
Debt/Equity 0.78 -49.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 48.2% efficiency ratio
✓Healthy dividend yield of 4.6%
✓Trading near 52-week high
✓Trading at only 1.1x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y8%

5Y3.82%

3Y7.28%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM626.35%

EPS CAGR

10Y-

5Y-

3Y-

TTM8000%

ROCE

10Y Avg5.66%

5Y Avg5.12%

3Y Avg3.3%

Latest-0.82%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	2.35B	2.92B	3.78B	3.91B	3.91B	4.03B	4.07B	4.53B	3.91B	3.77B
NII Growth %	0.02%	0.24%	0.29%	0.03%	0%	0.03%	0.01%	0.11%	-0.14%	-0.04%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	2.62B	3.32B	4.39B	4.88B	5.24B	4.68B	4.37B	5.41B	7.93B	8.43B
Interest Expense	274M	400M	613M	969M	1.33B	651M	296M	885M	4.01B	4.66B
Loan Loss Provision	166M	266M	229M	246M	445M	1.02B	-418M	502M	489M	335M
Non-Interest Income+	1.72B	1.84B	2.29B	2.25B	2.27B	2.46B	2.97B	2.5B	2.3B	628M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	4.34B	5.16B	6.68B	7.13B	7.51B	7.14B	7.33B	7.91B	10.23B	9.05B
Revenue Growth %	0.04%	0.19%	0.3%	0.07%	0.05%	-0.05%	0.03%	0.08%	0.29%	-0.11%
Non-Interest Expense	2.68B	3.52B	3.91B	3.71B	3.71B	3.91B	4.2B	4.19B	4.57B	4.36B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.22B	968M	1.93B	2.2B	2.02B	1.56B	3.25B	2.33B	1.16B	-306M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.04%	-0.21%	0.99%	0.14%	-0.08%	-0.23%	1.09%	-0.28%	-0.5%	-1.26%
Pretax Income+	1.22B	968M	1.93B	2.2B	2.02B	1.56B	3.25B	2.33B	1.16B	-306M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	303M	179M	637M	344M	314M	227M	642M	422M	196M	-143M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	916M	791M	1.3B	1.87B	1.72B	1.34B	2.63B	1.92B	967M	-161M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.02%	-0.14%	0.64%	0.44%	-0.08%	-0.22%	0.95%	-0.27%	-0.5%	-1.17%
Net Income (Continuing)	919M	789M	1.29B	1.86B	1.71B	1.33B	2.61B	1.91B	964M	-163M
EPS (Diluted)+	1.05	0.80	1.13	1.71	1.62	1.27	2.63	1.93	0.88	-0.32
EPS Growth %	0.06%	-0.24%	0.41%	0.51%	-0.05%	-0.22%	1.07%	-0.27%	-0.54%	-1.36%
EPS (Basic)	1.06	0.81	1.14	1.73	1.63	1.28	2.66	1.95	0.88	-0.32
Diluted Shares Outstanding	844.49M	938.54M	1.09B	1.05B	1B	974.81M	957.41M	933.06M	932.76M	949.56M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	607M	677M	671M	678M	732M	1.09B	913M	887M	941M	1.74B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	80.69B	118B	119.02B	120.63B	125.15B	149.47B	164.62B	167.13B	166.26B	164.87B
Investments Growth %	0.02%	0.46%	0.01%	0.01%	0.04%	0.19%	0.1%	0.02%	-0.01%	-0.01%
Long-Term Investments	63.77B	95.02B	96.43B	98.64B	102.03B	105.72B	108.24B	125.58B	118.26B	144.1B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	1.06B	2.45B	2.54B	2.52B	2.66B	2.66B	2.69B	2.75B	2.75B	2.75B
Intangible Assets	65M	384M	416M	316M	253M	188M	130M	94M	55M	27M
PP&E (Net)	779M	978M	930M	882M	814M	753M	681M	636M	661M	614M
Other Assets	7.95B	9.32B	9.34B	10.03B	10.72B	11.81B	13.28B	14.41B	14.12B	14.46B
Total Current Assets	21.5B	28.31B	28.04B	27.24B	28.5B	49.19B	61.33B	46.34B	52.43B	25.22B
Total Non-Current Assets	73.63B	108.15B	109.66B	112.38B	116.49B	121.14B	125.02B	143.47B	135.85B	161.95B
Total Assets+	95.13B	136.45B	137.7B	139.61B	144.99B	170.34B	186.35B	189.81B	188.28B	187.17B
Asset Growth %	0.01%	0.43%	0.01%	0.01%	0.04%	0.17%	0.09%	0.02%	-0.01%	-0.01%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	-0%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	11.09B	14.69B	15.34B	14.6B	13.54B	14.69B	12.8B	28.77B	22.64B	14.25B
Net Debt	10.48B	14.02B	14.67B	13.92B	12.81B	13.6B	11.89B	27.88B	21.7B	12.51B
Long-Term Debt	10.18B	12.36B	14.32B	13.72B	12.44B	13.7B	12.03B	19.3B	19.55B	12.1B
Short-Term Debt	905M	2.31B	1.01B	863M	1.09B	979M	761M	9.46B	3.09B	2.14B
Other Liabilities	632M	636M	0	0	0	0	0	0	5.41B	4.98B
Total Current Liabilities	73.56B	108.19B	108.34B	110.28B	115.5B	138.65B	156.88B	157.05B	148.68B	151.9B
Total Non-Current Liabilities	10.82B	13.02B	14.33B	13.73B	12.45B	13.71B	12.04B	19.31B	24.97B	17.09B
Total Liabilities	84.37B	121.21B	122.67B	124.02B	127.95B	152.35B	168.92B	176.36B	173.64B	168.99B
Total Equity+	10.76B	15.24B	15.03B	15.6B	17.04B	17.98B	17.42B	13.45B	14.64B	18.18B
Equity Growth %	0.02%	0.42%	-0.01%	0.04%	0.09%	0.06%	-0.03%	-0.23%	0.09%	0.24%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.09%	0.06%	0.09%	0.12%	0.11%	0.08%	0.15%	0.12%	0.07%	-0.01%
Book Value per Share	12.74	16.24	13.80	14.79	17.00	18.45	18.20	14.42	15.69	19.14
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	1.02B	1.26B	1.26B	1.26B	1.26B	1.26B	1.26B	1.26B	1.26B	1.26B
Additional Paid-in Capital	3.92B	6.38B	6.33B	6.33B	6.29B	6.28B	6.28B	6.29B	6.28B	6.04B
Retained Earnings	8.92B	9.38B	10.34B	11.56B	12.47B	12.75B	14.55B	15.62B	15.67B	14.58B
Accumulated OCI	-405M	-541M	-779M	-818M	26M	738M	-586M	-6.29B	-5.23B	-3.47B
Treasury Stock	-3B	-2.9B	-3.15B	-4.18B	-4.91B	-4.95B	-5.98B	-5.91B	-5.84B	-2.73B
Preferred Stock	290M	1.67B	1.02B	1.45B	1.9B	1.9B	1.9B	2.5B	2.5B	2.5B

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	1.13B	1.69B	1.81B	2.51B	2.91B	1.67B	1.15B	4.47B	2.9B	664M
Operating CF Growth %	-0.14%	0.49%	0.07%	0.38%	0.16%	-0.42%	-0.31%	2.88%	-0.35%	-0.77%
Net Income	920M	790M	1.3B	1.87B	1.72B	1.34B	2.63B	1.92B	967M	-161M
Depreciation & Amortization	247M	314M	407M	382M	241M	111M	32M	164M	154M	73M
Deferred Taxes	-76M	11M	303M	98M	53M	-191M	146M	-27M	-108M	-351M
Other Non-Cash Items	20M	554M	-324M	74M	990M	4M	-1.79B	2.06B	1.08B	1.48B
Working Capital Changes	-38M	-79M	31M	-13M	-191M	305M	34M	237M	691M	-483M
Cash from Investing+	-2.02B	-6.46B	-2.24B	-2.48B	-4.92B	-24.72B	-15.07B	-10.93B	1.42B	2.5B
Purchase of Investments	-3.55B	-12.8B	-8.16B	-3.98B	-5.79B	-30.69B	-28.25B	-8.78B	-11.74B	-27.77B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-481M	-144M	124M	-185M	0	-29M	-58M	0	0
Other Investing	-2.77B	-3.4B	-656M	-3.38B	-5.69B	-7.08B	-3.86B	-17.42B	6.92B	8.24B
Cash from Financing+	846M	4.84B	418M	-17M	2.07B	23.41B	13.74B	6.44B	-4.27B	-2.36B
Dividends Paid	-267M	-335M	-480M	-656M	-804M	-829M	-823M	-854M	-911M	-927M
Share Repurchases	-448M	-140M	-1.01B	-1.1B	-835M	-134M	-1.14B	0	-38M	0
Stock Issued	22M	32M	25M	20M	18M	8M	27M	6M	1M	10M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	-952M	4.05B	1.08B	2.03B	4.53B	23.38B	17.26B	-10.02B	2.96B	6.92B
Net Change in Cash+	-46M	70M	-6M	7M	54M	359M	-178M	-26M	54M	802M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	653M	607M	677M	671M	678M	732M	1.09B	913M	887M	941M
Cash at End	607M	677M	671M	678M	732M	1.09B	913M	887M	941M	1.74B
Interest Paid	329M	429M	598M	892M	1.25B	731M	363M	601M	3.11B	4.16B
Income Taxes Paid	281M	144M	6M	12M	18M	241M	277M	292M	156M	68M
Free Cash Flow+	1.06B	1.54B	1.7B	2.41B	2.82B	1.61B	1.09B	4.36B	2.76B	599M
FCF Growth %	-0.14%	0.46%	0.1%	0.41%	0.17%	-0.43%	-0.32%	3.01%	-0.37%	-0.78%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	8.6%	6.08%	8.56%	12.19%	10.52%	7.67%	14.83%	12.42%	6.88%	-0.98%
Return on Assets (ROA)	0.97%	0.68%	0.95%	1.35%	1.21%	0.85%	1.47%	1.02%	0.51%	-0.09%
Net Interest Margin	2.47%	2.14%	2.74%	2.8%	2.7%	2.37%	2.18%	2.38%	2.08%	2.01%
Efficiency Ratio	61.73%	68.3%	58.51%	52.03%	49.47%	54.8%	57.29%	52.98%	44.64%	48.19%
Equity / Assets	11.31%	11.17%	10.91%	11.17%	11.75%	10.56%	9.35%	7.09%	7.77%	9.71%
Book Value / Share	12.74	16.24	13.8	14.79	17	18.45	18.2	14.42	15.69	19.14
NII Growth	2.4%	24.32%	29.39%	3.49%	0%	3.2%	0.92%	11.2%	-13.56%	-3.78%
Dividend Payout	29.15%	42.35%	37.04%	35.16%	46.83%	61.73%	31.35%	44.55%	94.21%	-

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Investment Banking And Debt Placement	-	-	-	260M	-	-	-	-	-	521M
Investment Banking And Debt Placement Growth	-	-	-	-	-	-	-	-	-	-
Trust And Investment Services	-	-	-	427M	-	-	-	-	-	518M
Trust And Investment Services Growth	-	-	-	-	-	-	-	-	-	-
Cards And Payments	-	-	-	263M	-	-	-	-	-	331M
Cards And Payments Growth	-	-	-	-	-	-	-	-	-	-
Service Charges On Deposit Accounts	-	-	-	362M	-	-	-	-	-	261M
Service Charges On Deposit Accounts Growth	-	-	-	-	-	-	-	-	-	-
Other Noninterest Income	177M	109M	128M	18M	-	-	-	-	-	12M
Other Noninterest Income Growth	-	-38.42%	17.43%	-85.94%	-	-	-	-	-	-
Net Interest Income	-	-	-	-	5.24B	4.68B	4.37B	5.41B	7.93B	-
Net Interest Income Growth	-	-	-	-	-	-10.51%	-6.79%	23.93%	46.47%	-
Total Non Interest Income	-	-	-	-	3.91B	2.65B	3.19B	2.72B	2.47B	-
Total Non Interest Income Growth	-	-	-	-	-	-32.16%	20.44%	-14.90%	-9.12%	-
Community Banking	2.27B	2.87B	3.84B	-	-	-	-	-	-	-
Community Banking Growth	-	26.24%	33.81%	-	-	-	-	-	-	-
Corporate Banking	1.81B	2.06B	2.34B	-	-	-	-	-	-	-
Corporate Banking Growth	-	13.86%	13.34%	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024

Frequently Asked Questions

Growth & Financials

KeyCorp (KEY) saw revenue decline by 11.5% over the past year.

Yes, KeyCorp (KEY) is profitable, generating $1.07B in net income for fiscal year 2024 (-1.8% net margin).

Dividend & Returns

Yes, KeyCorp (KEY) pays a dividend with a yield of 4.60%. This makes it attractive for income-focused investors.

KeyCorp (KEY) has a return on equity (ROE) of -1.0%. Negative ROE indicates the company is unprofitable.

Industry Metrics

KeyCorp (KEY) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.

KeyCorp (KEY) has an efficiency ratio of 48.2%. This is excellent, indicating strong cost control.