KeyCorp

NYSE•KEY

CEO: Mr. Christopher Marrott Gorman

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1987-11-05

KeyCorp 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; commercial leasing, investment management, consumer finance; and personal finance and financial wellness, student loan refinancing, mortgage and home equity, lending, credit card, treasury, business advisory, wealth management, asset management, 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 to consumer, energy, healthcare, industrial, public sector, real estate, and technology sectors for middle market clients. In addition, the company offers community development financing, securities underwriting, brokerage, and investment banking services. The company was founded in 1849 and is headquartered in Cleveland, Ohio.

Contact Information

127 Public Square, Cleveland, OH, 44114-1306, United States

216-689-3000

www.key.com

Market Cap

$23.67B

P/E (TTM)

13.0

14.1

Dividend Yield

3.8%

52W High

$23.35

52W Low

$13.68

52W Range

83%

Rank52Top 73.5%

2.9

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 2.9 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$2.86B+52.62%

4-Quarter Trend

EPS

$0.43-264.29%

4-Quarter Trend

FCF

$673.00M-100.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

NII Growth Strong Net Interest Income (TE) increased $861 million year-over-year, driven by deposit cost optimization and reinvestment into higher yielding assets.

NIM Expansion Achieved Net Interest Margin reached 2.69% in 2025, improving 53 basis points from the prior year due to favorable funding mix shifts.

Capital Ratios Remain Robust CET1 ratio stood at 11.78% and Leverage ratio at 10.50% as of December 31, 2025, significantly exceeding regulatory minimums.

Asset Quality Improving Nonperforming assets decreased $145 million to $627 million; net charge-offs remained stable at 0.41% of average loans.

Risk Factors

Credit Portfolio Concentration 72% of the loan portfolio is concentrated in C&I and CRE loans, risking material impact if commercial real estate fundamentals deteriorate.

Interest Rate Risk Exposure Earnings remain heavily dependent on net interest income, sensitive to changes in deposit pricing and market interest rate fluctuations.

Liquidity Reliance on Deposits Funding relies heavily on customer deposits; adverse deposit mix changes or outflows could increase funding costs and impair liquidity.

Evolving Regulatory Landscape Ongoing regulatory changes, like the Capital Proposal, may impose new risk-weighted asset calculations and capital buffer requirements.

Outlook

Strong 2026 NII Guidance Expect 8% to 10% growth in Net Interest Income (TE) for FY2026 over the 2025 baseline results, reflecting rate environment benefits.

Medium-Term NIM Target Set Targeting a Net Interest Margin of 3.25% or higher by the end of the 2027 medium-term horizon, showing confidence in margin stability.

Credit Reserve Driven by Uncertainty Provisioning in 2025 reflected elevated economic uncertainty, suggesting continued cautious reserving despite lower net charge-offs.

Workforce Investment Focus Strategy emphasizes engaging and retaining talent, with 95% of employees earning $20 or more per hour as of year-end 2025.

Peer Comparison

Revenue (TTM)

USB

$42.86B

+0.3%

PNC

$33.99B

+0.9%

FCNCA

$14.50B

-2.6%

Gross Margin (Latest Quarter)

BCH

2129.7%

+35.5pp

CFG

100.0%

+40.1pp

79.8%

+8.8pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
PNC	$89.95B	12.7	11.9%	10.0%
USB	$87.80B	11.6	12.1%	11.3%
FITB	$33.30B	13.1	12.0%	6.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

2.0%

Moderate Growth

4Q Net Income CAGR

8.0%

Profitability Improving

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 16, 2026

EPS:$0.41

Revenue:$1.93B

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data