KeyCorp

NYSE•KEY

CEO: Mr. Christopher Marrott Gorman

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

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

216-689-3000

www.key.com

時価総額

$21.64B

PER (TTM)

11.9

13.7

配当利回り

4.1%

52週高値

$23.35

52週安値

$12.73

52週レンジ

67%

順位52Top 73.5%

2.9

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 2.9 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$2.86B+52.62%

直近4四半期の推移

EPS

$0.43-264.29%

直近4四半期の推移

フリーCF

$673.00M-100.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

USB

$42.86B

+0.3%

PNC

$33.99B

+0.9%

FCNCA

$14.50B

-2.6%

粗利益率 (最新四半期)

BCH

2129.7%

+35.5pp

CFG

100.0%

+40.1pp

79.8%

+8.8pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
PNC	$83.14B	11.7	11.9%	10.0%
USB	$81.37B	10.7	12.1%	11.3%
FITB	$31.60B	12.5	12.0%	6.8%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

2.0%

緩やかな成長

4四半期純利益CAGR

8.0%

収益性の着実な向上

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年7月21日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし