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Apr 16, 2026·SEC
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KeyCorp(KEY)Earnings, Financials & Key Ratios
KEY•NYSE•Banking & Credit
14.9× P/E·Price updated Jun 19, 2026
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$4.64B+23.1%
- Total Revenue$11.19B+23.6%
- Net Income$1.83B+1236.0%
- Return on Equity9.49%+1066.8%
- Net Interest Margin2.51%+25.0%
- Efficiency Ratio41.68%-13.5%
- ROA0.98%+1247.4%
- Equity / Assets11.05%+13.8%
- Book Value per Share18.61-2.8%
KEY Key Insights
KeyCorp (KEY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 41.7% efficiency ratio
- ✓Well capitalized: 11.1% equity/assets
- ✓Healthy dividend yield of 4.3%
- ✓Trading near 52-week high
- ✓Trading at only 1.2x book value
✗Weaknesses
- ✗Shares diluted 15.3% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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KEY Price & Volume
KeyCorp (KEY) stock price & volume — 10-year historical chart
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KEY Growth Metrics
KeyCorp (KEY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.92%
5 Years9.4%
3 Years12.25%
TTM-
Profit CAGR
10 Years7.16%
5 Years6.37%
3 Years-1.55%
TTM1236.02%
EPS CAGR
10 Years3.77%
5 Years3.66%
3 Years-7.65%
TTM606.67%
Return on Capital
10 Years5.76%
5 Years5.51%
3 Years3.14%
Last Year7.03%
KEY Recent Earnings
KeyCorp (KEY) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 16, 2026Metric
Actual
Est
EPS
$0.44+7.3%
$0.41
Rev
$2.0B+0.8%
$1.9B
Q1 2026
Jan 20, 2026Metric
Actual
Est
EPS
$0.41+5.9%
$0.39
Rev
$2.0B+2.2%
$2.0B
Q4 2025
Oct 16, 2025Metric
Actual
Est
EPS
$0.41+7.9%
$0.38
Rev
$2.1B+10.1%
$1.9B
Q3 2025
Jul 22, 2025Metric
Actual
Est
EPS
$0.35+1.2%
$0.35
Rev
$1.8B+1.6%
$1.8B
| 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% |
Based on last 12 quarters of dataView full earnings history →
KEY Peer Comparison
KeyCorp (KEY) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 RF | 25.19B | 28.62 | 12.50 | 2.51% | 22.44% | 11.43% | 0.26 | |
 CFG | 29.21B | 67.08 | 17.38 | -9.71% | 16.42% | 7.16% | 0.43 | |
 HBAN | 26.69B | 16.86 | 12.13 | 4.38% | 17.71% | 10.04% | 0.76 | |
 FITB | 35.29B | 52.74 | 14.90 | -1.4% | 19.61% | 11.96% | 0.67 | |
 MTB | 35.24B | 225.12 | 13.24 | -8.18% | 23.16% | 9.88% | 0.45 | |
 ZION | 9.73B | 66.17 | 11.01 | -0.98% | 18.18% | 13.33% | 0.61 | |
 CMA | 11.35B | 88.67 | 16.76 | -3.91% | 15.07% | 9.96% | 0.70 | |
 USB | 90.47B | 58.14 | 12.61 | 0.35% | 17.68% | 12.03% | 1.19 |
Compare KEY vs Peers
KeyCorp (KEY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
KEY Income Statement
KeyCorp (KEY) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | 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 | 1.53 |
Diluted Shares Outstanding | 1.09B | 1.05B | 1B | 974.81M | 957.41M | 933.06M | 932.76M | 949.56M | 1.1B |
KEY Balance Sheet
KeyCorp (KEY) balance sheet — assets, liabilities & shareholders' equity
| Metric | 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 |
KEY Cash Flow Statement
KeyCorp (KEY) cash flow — operating, investing & free cash flow history
| Metric | 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 | 2.21B |
Operating CF Growth % | 7.46% | 38.07% | 15.96% | -42.43% | -31.08% | 287.6% | -35.04% | -77.13% | 232.53% |
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 | 21M |
Deferred Taxes | 303M | 98M | 53M | -191M | 146M | -27M | -108M | -351M | 4M |
Other Non-Cash Items | -324M | 74M | 990M | 4M | -1.79B | 2.06B | 1.08B | 1.48B | 502M |
Working Capital Changes | 31M | -13M | -191M | 305M | 34M | 237M | 691M | -483M | -280M |
Cash from Investing | -2.24B | -2.48B | -4.92B | -24.72B | -15.07B | -10.93B | 1.42B | 2.5B | 3.22B |
Purchase of Investments | -8.16B | -3.98B | -5.79B | -30.69B | -28.25B | -8.78B | -11.74B | -27.77B | -10.09B |
Sale/Maturity of Investments | 6.83B | 4.86B | 6.83B | 13.12B | 17.14B | 15.41B | 6.38B | 22.08B | 15.83B |
Net Investment Activity | -1.33B | 878M | 1.04B | -17.58B | -11.11B | 6.64B | -5.36B | -5.68B | 5.74B |
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 | -2.42B |
Cash from Financing | 418M | -17M | 2.07B | 23.41B | 13.74B | 6.44B | -4.27B | -2.36B | -5.88B |
Dividends Paid | -480M | -656M | -804M | -829M | -823M | -854M | -911M | -927M | -1.05B |
Share Repurchases | -1.08B | -1.1B | -835M | -134M | -1.14B | 0 | -38M | 0 | -235M |
Stock Issued | 25M | 20M | 18M | 8M | 27M | 6M | 1M | 10M | 9M |
Net Stock Activity | -1.05B | -1.08B | -817M | -126M | -1.12B | 6M | -37M | 10M | -226M |
Debt Issuance (Net) | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
Other Financing | 1.08B | 2.03B | 4.53B | 23.38B | 17.26B | -10.02B | 2.96B | 6.92B | -1.05B |
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% | -456M▼ 156.9% |
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 | 1.29B |
Interest Paid | 598M | 892M | 1.25B | 731M | 363M | 601M | 3.11B | 4.16B | 3.71B |
Income Taxes Paid | 6M | 12M | 18M | 241M | 277M | 292M | 156M | 68M | 71M |
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% | 2.1B▲ 250.8% |
FCF Growth % | 10.3% | 41.34% | 17.2% | -42.93% | -32.48% | 301.2% | -36.69% | -78.31% | 250.75% |
KEY Banking Ratios
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% | - | 57.63% |
Related:KEY Dividend History·KEY Revenue History·KEY Price History·KEY P/E History·KEY Financial Ratios·KEY Institutional Holders
KEY SEC Filings & Documents
KeyCorp (KEY) SEC filings — annual & quarterly reports (10-K, 10-Q)
KEY Frequently Asked Questions
KeyCorp (KEY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
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).
Dividend & Returns
Yes, KeyCorp (KEY) pays a dividend with a yield of 4.26%. This makes it attractive for income-focused investors.
KeyCorp (KEY) has a return on equity (ROE) of 9.5%. This is below average, suggesting room for improvement.
Industry Metrics
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.