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6Apr 16, 2026·SEC
Mar 2, 2026·SEC
Feb 9, 2026·SEC
KeyCorp (KEY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
KeyCorp (KEY) stock price & volume — 10-year historical chart
KeyCorp (KEY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
KeyCorp (KEY) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 16, 2026 | $0.44vs $0.41+7.3% | $2.0Bvs $1.9B+0.8% |
| Q1 2026 | Jan 20, 2026 | $0.41vs $0.39+5.9% | $2.0Bvs $2.0B+2.2% |
| Q4 2025 | Oct 16, 2025 | $0.41vs $0.38+7.9% | $2.1Bvs $1.9B+10.1% |
| Q3 2025 | Jul 22, 2025 | $0.35vs $0.35+1.2% | $1.8Bvs $1.8B+1.6% |
KeyCorp (KEY) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
KeyCorp (KEY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
KeyCorp (KEY) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 3.78B | 3.91B | 3.91B | 4.03B | 4.07B | 4.53B | 3.91B | 3.77B | 4.64B |
| NII Growth % | 29.39% | 3.49% | 0% | 3.2% | 0.92% | 11.2% | -13.56% | -3.78% | 23.13% |
| Net Interest Margin % | 2.74% | 2.8% | 2.7% | 2.37% | 2.18% | 2.38% | 2.08% | 2.01% | 2.51% |
| Interest Income | 4.39B | 4.88B | 5.24B | 4.68B | 4.37B | 5.41B | 7.93B | 8.43B | 8.39B |
| Interest Expense | 613M | 969M | 1.33B | 651M | 296M | 885M | 4.01B | 4.66B | 3.75B |
| Loan Loss Provision | 229M | 246M | 445M | 1.02B | -418M | 502M | 489M | 335M | 471M |
| Non-Interest Income | 2.29B | 2.25B | 2.27B | 2.46B | 2.97B | 2.5B | 2.3B | 628M | 2.8B |
| Non-Interest Income % | 34.24% | 31.55% | 30.26% | 34.39% | 40.46% | 31.59% | 22.5% | 6.94% | 25.04% |
| Total Revenue | 6.68B▲ 0% | 7.13B▲ 6.7% | 7.51B▲ 5.3% | 7.14B▼ 4.9% | 7.33B▲ 2.7% | 7.91B▲ 7.9% | 10.23B▲ 29.3% | 9.05B▼ 11.5% | 11.19B▲ 23.6% |
| Revenue Growth % | 29.51% | 6.74% | 5.33% | -4.86% | 2.7% | 7.87% | 29.3% | -11.48% | 23.56% |
| Non-Interest Expense | 3.91B | 3.71B | 3.71B | 3.91B | 4.2B | 4.19B | 4.57B | 4.36B | 4.66B |
| Efficiency Ratio | 58.51% | 52.03% | 49.47% | 54.8% | 57.29% | 52.98% | 44.64% | 48.19% | 41.68% |
| Operating Income | 1.93B▲ 0% | 2.2B▲ 14.3% | 2.02B▼ 8.2% | 1.56B▼ 23.0% | 3.25B▲ 109.1% | 2.33B▼ 28.3% | 1.16B▼ 50.3% | -306M▼ 126.4% | 2.3B▲ 852.9% |
| Operating Margin % | 28.88% | 30.91% | 26.94% | 21.79% | 44.37% | 29.49% | 11.34% | -3.38% | 20.59% |
| Operating Income Growth % | 99.17% | 14.26% | -8.22% | -23.05% | 109.13% | -28.3% | -50.28% | -126.38% | 852.94% |
| Pretax Income | 1.93B▲ 0% | 2.2B▲ 14.3% | 2.02B▼ 8.2% | 1.56B▼ 23.0% | 3.25B▲ 109.1% | 2.33B▼ 28.3% | 1.16B▼ 50.3% | -306M▼ 126.4% | 2.3B▲ 852.9% |
| Pretax Margin % | 28.88% | 30.91% | 26.94% | 21.79% | 44.37% | 29.49% | 11.34% | -3.38% | 20.59% |
| Income Tax | 637M | 344M | 314M | 227M | 642M | 422M | 196M | -143M | 475M |
| Effective Tax Rate % | 33.04% | 15.62% | 15.53% | 14.59% | 19.73% | 18.09% | 16.9% | 46.73% | 20.62% |
| Net Income | 1.3B▲ 0% | 1.87B▲ 44.0% | 1.72B▼ 8.0% | 1.34B▼ 21.8% | 2.63B▲ 95.5% | 1.92B▼ 27.0% | 967M▼ 49.6% | -161M▼ 116.6% | 1.83B▲ 1236.0% |
| Net Margin % | 19.41% | 26.19% | 22.88% | 18.81% | 35.79% | 24.23% | 9.45% | -1.78% | 16.35% |
| Net Income Growth % | 63.84% | 43.98% | -7.99% | -21.78% | 95.46% | -26.97% | -49.56% | -116.65% | 1236.02% |
| Net Income (Continuing) | 1.29B | 1.86B | 1.71B | 1.33B | 2.61B | 1.91B | 964M | -163M | 1.83B |
| EPS (Diluted) | 1.13▲ 0% | 1.71▲ 51.3% | 1.62▼ 5.3% | 1.27▼ 21.6% | 2.63▲ 107.1% | 1.93▼ 26.6% | 0.88▼ 54.4% | -0.32▼ 136.4% | 1.52▲ 575.0% |
| EPS Growth % | 41.25% | 51.33% | -5.26% | -21.6% | 107.09% | -26.62% | -54.4% | -136.36% | 575% |
| EPS (Basic) | 1.14 | 1.73 | 1.63 | 1.28 | 2.66 | 1.94 | 0.89 | -0.32 | 1.66 |
| Diluted Shares Outstanding | 1.09B | 1.05B | 1B | 974.81M | 957.41M | 933.06M | 932.76M | 949.56M | 1.1B |
KeyCorp (KEY) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 23.26B | 22.67B | 23.85B | 44.84B | 57.29B | 42.44B | 48.94B | 22.51B | 11.45B |
| Cash & Due from Banks | 671M | 678M | 732M | 1.09B | 913M | 887M | 941M | 1.74B | 1.29B |
| Short Term Investments | 22.59B | 21.99B | 23.11B | 43.75B | 56.37B | 41.55B | 48B | 20.76B | 10.16B |
| Total Investments | 119.02B | 120.63B | 125.15B | 149.47B | 164.62B | 167.13B | 166.26B | 164.87B | 59.33B |
| Investments Growth % | 0.86% | 1.35% | 3.75% | 19.44% | 10.13% | 1.53% | -0.52% | -0.84% | -64.01% |
| Long-Term Investments | 96.43B | 98.64B | 102.03B | 105.72B | 108.24B | 125.58B | 118.26B | 144.1B | 49.17B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 105.11B |
| Goodwill & Intangibles | 2.95B | 2.83B | 2.92B | 2.85B | 2.82B | 2.85B | 2.81B | 2.78B | 2.76B |
| Goodwill | 2.54B | 2.52B | 2.66B | 2.66B | 2.69B | 2.75B | 2.75B | 2.75B | 2.75B |
| Intangible Assets | 416M | 316M | 253M | 188M | 130M | 94M | 55M | 27M | 8M |
| PP&E (Net) | 930M | 882M | 814M | 753M | 681M | 636M | 661M | 614M | 628M |
| Other Assets | 9.34B | 10.03B | 10.72B | 11.81B | 13.28B | 14.41B | 14.12B | 14.46B | 13.12B |
| Total Current Assets | 28.04B | 27.24B | 28.5B | 49.19B | 61.33B | 46.34B | 52.43B | 25.22B | 118.7B |
| Total Non-Current Assets | 109.66B | 112.38B | 116.49B | 121.14B | 125.02B | 143.47B | 135.85B | 161.95B | 65.68B |
| Total Assets | 137.7B▲ 0% | 139.61B▲ 1.4% | 144.99B▲ 3.8% | 170.34B▲ 17.5% | 186.35B▲ 9.4% | 189.81B▲ 1.9% | 188.28B▼ 0.8% | 187.17B▼ 0.6% | 184.38B▼ 1.5% |
| Asset Growth % | 0.91% | 1.39% | 3.85% | 17.48% | 9.4% | 1.86% | -0.81% | -0.59% | -1.49% |
| Return on Assets (ROA) | 0.95% | 1.35% | 1.21% | 0.85% | 1.47% | 1.02% | 0.51% | -0.09% | 0.98% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 148.71B |
| Total Debt | 15.34B | 14.6B | 13.54B | 14.69B | 12.8B | 28.77B | 22.64B | 14.25B | 11B |
| Net Debt | 14.67B | 13.92B | 12.81B | 13.6B | 11.89B | 27.88B | 21.7B | 12.51B | 9.71B |
| Long-Term Debt | 14.32B | 13.72B | 12.44B | 13.7B | 12.03B | 19.3B | 19.55B | 12.1B | 9.92B |
| Short-Term Debt | 1.01B | 863M | 1.09B | 979M | 761M | 9.46B | 3.09B | 2.14B | 1.08B |
| Other Liabilities | -12.04B | -12.16B | -12.74B | -11.84B | 0 | 0 | 5.41B | 4.98B | 0 |
| Total Current Liabilities | 108.34B | 110.28B | 115.5B | 138.65B | 156.88B | 157.05B | 148.68B | 151.9B | 154.08B |
| Total Non-Current Liabilities | 14.33B | 13.73B | 12.45B | 13.71B | 12.04B | 19.31B | 24.97B | 17.09B | 9.92B |
| Total Liabilities | 122.67B | 124.02B | 127.95B | 152.35B | 168.92B | 176.36B | 173.64B | 168.99B | 164B |
| Total Equity | 15.03B▲ 0% | 15.6B▲ 3.8% | 17.04B▲ 9.2% | 17.98B▲ 5.5% | 17.42B▼ 3.1% | 13.45B▼ 22.8% | 14.64B▲ 8.8% | 18.18B▲ 24.2% | 20.38B▲ 12.1% |
| Equity Growth % | -1.41% | 3.8% | 9.25% | 5.53% | -3.1% | -22.78% | 8.79% | 24.18% | 12.13% |
| Equity / Assets (Capital Ratio) | 10.91% | 11.17% | 11.75% | 10.56% | 9.35% | 7.09% | 7.77% | 9.71% | 11.05% |
| Return on Equity (ROE) | 8.56% | 12.19% | 10.52% | 7.67% | 14.83% | 12.42% | 6.88% | -0.98% | 9.49% |
| Book Value per Share | 13.80 | 14.79 | 17.00 | 18.45 | 18.20 | 14.42 | 15.69 | 19.14 | 18.61 |
| Tangible BV per Share | 11.09 | 12.10 | 14.09 | 15.52 | 15.25 | 11.37 | 12.68 | 16.21 | 16.09 |
| Common Stock | 1.26B | 1.26B | 1.26B | 1.26B | 1.26B | 1.26B | 1.26B | 1.26B | 1.26B |
| Additional Paid-in Capital | 6.33B | 6.33B | 6.29B | 6.28B | 6.28B | 6.29B | 6.28B | 6.04B | 6.04B |
| Retained Earnings | 10.34B | 11.56B | 12.47B | 12.75B | 14.55B | 15.62B | 15.67B | 14.58B | 15.36B |
| Accumulated OCI | -779M | -818M | 26M | 738M | -586M | -6.29B | -5.23B | -3.47B | -1.96B |
| Treasury Stock | -3.15B | -4.18B | -4.91B | -4.95B | -5.98B | -5.91B | -5.84B | -2.73B | -2.81B |
| Preferred Stock | 1.02B | 1.45B | 1.9B | 1.9B | 1.9B | 2.5B | 2.5B | 2.5B | 2.5B |
KeyCorp (KEY) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.81B | 2.51B | 2.91B | 1.67B | 1.15B | 4.47B | 2.9B | 664M | 0 |
| Operating CF Growth % | 7.46% | 38.07% | 15.96% | -42.43% | -31.08% | 287.6% | -35.04% | -77.13% | -100% |
| Net Income | 1.3B | 1.87B | 1.72B | 1.34B | 2.63B | 1.92B | 967M | -161M | 1.83B |
| Depreciation & Amortization | 407M | 382M | 241M | 111M | 32M | 164M | 154M | 73M | 0 |
| Deferred Taxes | 303M | 98M | 53M | -191M | 146M | -27M | -108M | -351M | 0 |
| Other Non-Cash Items | -324M | 74M | 990M | 4M | -1.79B | 2.06B | 1.08B | 1.48B | -1.83B |
| Working Capital Changes | 31M | -13M | -191M | 305M | 34M | 237M | 691M | -483M | 0 |
| Cash from Investing | -2.24B | -2.48B | -4.92B | -24.72B | -15.07B | -10.93B | 1.42B | 2.5B | 0 |
| Purchase of Investments | -8.16B | -3.98B | -5.79B | -30.69B | -28.25B | -8.78B | -11.74B | -27.77B | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Net Investment Activity | -8.16B | -3.98B | -5.79B | -30.69B | -28.25B | -8.78B | -11.74B | -27.76B | 0 |
| Acquisitions | -144M | 124M | -185M | 0 | -29M | -58M | 0 | 0 | 0 |
| Other Investing | -656M | -3.38B | -5.69B | -7.08B | -3.86B | -17.42B | 6.92B | 8.24B | 0 |
| Cash from Financing | 418M | -17M | 2.07B | 23.41B | 13.74B | 6.44B | -4.27B | -2.36B | 0 |
| Dividends Paid | -480M | -656M | -804M | -829M | -823M | -854M | -911M | -927M | 0 |
| Share Repurchases | -1.08B | -1.1B | -835M | -134M | -1.14B | 0 | -38M | 0 | 0 |
| Stock Issued | 25M | 20M | 18M | 8M | 27M | 6M | 1M | 10M | 0 |
| Net Stock Activity | -1.05B | -1.08B | -817M | -126M | -1.12B | 6M | -37M | 10M | 0 |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | 0 |
| Other Financing | 1.08B | 2.03B | 4.53B | 23.38B | 17.26B | -10.02B | 2.96B | 6.92B | 0 |
| Net Change in Cash | -6M▲ 0% | 7M▲ 216.7% | 54M▲ 671.4% | 359M▲ 564.8% | -178M▼ 149.6% | -26M▲ 85.4% | 54M▲ 307.7% | 802M▲ 1385.2% | -1.74B▼ 317.3% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 677M | 671M | 678M | 732M | 1.09B | 913M | 887M | 941M | 1.74B |
| Cash at End | 671M | 678M | 732M | 1.09B | 913M | 887M | 941M | 1.74B | 0 |
| Interest Paid | 598M | 892M | 1.25B | 731M | 363M | 601M | 3.11B | 4.16B | 0 |
| Income Taxes Paid | 6M | 12M | 18M | 241M | 277M | 292M | 156M | 68M | 0 |
| Free Cash Flow | 1.7B▲ 0% | 2.41B▲ 41.3% | 2.82B▲ 17.2% | 1.61B▼ 42.9% | 1.09B▼ 32.5% | 4.36B▲ 301.2% | 2.76B▼ 36.7% | 599M▼ 78.3% | 0▼ 100.0% |
| FCF Growth % | 10.3% | 41.34% | 17.2% | -42.93% | -32.48% | 301.2% | -36.69% | -78.31% | -100% |
KeyCorp (KEY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.08% | 8.56% | 12.19% | 10.52% | 7.67% | 14.83% | 12.42% | 6.88% | -0.98% | 9.49% |
| Return on Assets (ROA) | 0.68% | 0.95% | 1.35% | 1.21% | 0.85% | 1.47% | 1.02% | 0.51% | -0.09% | 0.98% |
| Net Interest Margin | 2.14% | 2.74% | 2.8% | 2.7% | 2.37% | 2.18% | 2.38% | 2.08% | 2.01% | 2.51% |
| Efficiency Ratio | 68.3% | 58.51% | 52.03% | 49.47% | 54.8% | 57.29% | 52.98% | 44.64% | 48.19% | 41.68% |
| Equity / Assets | 11.17% | 10.91% | 11.17% | 11.75% | 10.56% | 9.35% | 7.09% | 7.77% | 9.71% | 11.05% |
| Book Value / Share | 16.24 | 13.8 | 14.79 | 17 | 18.45 | 18.2 | 14.42 | 15.69 | 19.14 | 18.61 |
| NII Growth | 24.32% | 29.39% | 3.49% | 0% | 3.2% | 0.92% | 11.2% | -13.56% | -3.78% | 23.13% |
| Dividend Payout | 42.35% | 37.04% | 35.16% | 46.83% | 61.73% | 31.35% | 44.55% | 94.21% | - | - |
KeyCorp (KEY) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 16, 2026·SEC
Mar 2, 2026·SEC
Feb 9, 2026·SEC
KeyCorp (KEY) stock FAQ — growth, dividends, profitability & financials explained
KeyCorp (KEY) grew revenue by 23.6% over the past year. This is strong growth.
Yes, KeyCorp (KEY) is profitable, generating $1.83B in net income for fiscal year 2025 (16.3% net margin).
KeyCorp (KEY) has a return on equity (ROE) of 9.5%. This is below average, suggesting room for improvement.
KeyCorp (KEY) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
KeyCorp (KEY) has an efficiency ratio of 41.7%. This is excellent, indicating strong cost control.
KeyCorp (KEY) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates