Stock Analysis
KeyCorpKEY
P/E 10.51×· 5Y range 3.87–761.91×· 49th percentile of history
Sector: Financial Services · Industry: National Commercial Banks
AnalystsBuy24 analystsP/E 10.5× sits at the 49th percentile of its 5.086926762491444-year history.
Cash covers 102% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Profitability64
Risks
- Financial Health31
- Growth32
Mixed picture — no clear quality or value edge.
Bull Case
- ✓Revenue CAGR 10.4% — durable top-line growth
What's happening with KEY
Profile
Strong valuation; moat, financial health and growth lag behind.
How is each axis scored?
- Valuation82/100 · Strong
- P/E vs own history (49th pct)12/25
- FCF yield (5.6%)20/25
- P/S (1.9x)25/25
- EV/EBIT (9.1x)25/25
- Growth32/100 · Weak
- Revenue CAGR (10.4%)20/25
- Net income CAGR (-8.6%)0/25
- EPS CAGR 5Y (-11.9%)0/25
- Fwd implied growth (5.6%)12/25
- Profitability64/100 · Moderate
- ROIC (9.0%)12/25
- ROE (10.0%)12/25
- Net margin (18.1%)20/25
- Operating margin (20.6%)20/25
- Financial Health31/100 · Weak
- Altman Z (0.30)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.2x)3/25
- Net cash / debt (Net cash)25/25
- Quality54/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.07)12/25
- FCF conversion (59%)15/25
- Margin stability (σ 10.4%)12/25
- Moat30/100 · Weak
- ROIC >12% years (1/10 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst -1.7%)5/25
Risk Flags
- ⚠Altman Z 0.3 — distress-zone balance sheet
- ⚠Interest coverage 0.2× — thin debt cushion
About KeyCorp
With assets of around $190 billion, Ohio-based KeyCorp's bank footprint spans 16 states, but it is predominantly concentrated in its three largest markets: Ohio, New York, and Washington. Show more
KeyCorp is primarily focused on serving middle-market commercial clients through a hybrid community/corporate bank model.
Headquarters: CLEVELAND, OH · Employees: 17,883 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
82AP/E (TTM)10.5xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 3.9x–761.9x · 49th pct
P/FCF16.5xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield5.6%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -0.8%–56.2% · 21st pct
P/S (TTM)1.90xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.9x–3.5x · 46th pct
EV/EBIT9.1xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 4.2x–162.7x · 18th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E9.9xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.04xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.59A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield4.96%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio51.4%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
64BROIC9.0%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE10.0%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA1.1%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin18.1%A
Grade A: HighNet Income / Revenue
Operating Margin20.6%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin10.7%C
Grade C: AverageFCF / Revenue
True FCF Margin9.5%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
32DRevenue CAGR10.4%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-8.6%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-11.9%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth5.6%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+9.9%C
Grade C: DilutiveShare count change over 5Y
SBC / Net Income6.6%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.2%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
31DAltman Z-Score0.30D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.2xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.49xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt1.02xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
54CPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.07C
Grade C: Gray zoneEarnings manipulation risk. < -2.22 Safe
FCF Conversion59.1%C
Grade C: AverageFCF / Net Income
Margin Stability10.4%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue1.0%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Snyder Barbara R Filed | Snyder Barbara R | Option exercise | -1417 | |
Snyder Barbara R Filed | Snyder Barbara R | Option exercise | -1526 | |
Snyder Barbara R Filed | Snyder Barbara R | Option exercise | +1.4K | |
Snyder Barbara R Filed | Snyder Barbara R | Option exercise | +1.5K | |
Rankin Devina A Filed | Rankin Devina A | Grant / award | +1.6K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Hayes Robin Filed | Hayes Robin | Grant / award | +1.6K | |
VASOS TODD J Filed | VASOS TODD J | Grant / award | +1.9K | |
CUTLER ALEXANDER M Filed | CUTLER ALEXANDER M | Grant / award | +840 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
30DROIC >12% Years1/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor-1.7%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$1.90
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$0.82
Cash & short-term investments per share (Finnhub)
Book Value / Share$18.47
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$9.92B
Total debt obligations (short + long term)
Cash & Equiv.$10.16B
Cash and short-term investments
Net Debt$-246.00MA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$20.38B
Shareholders' equity (book value)
Asset / Liability1.12xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$21.27B
Current Market Capitalization
Beta1.10B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: KeyCorp (KEY)
Piotroski F-Score of 6/9 indicates mixed fundamentals for KeyCorp. Altman Z-Score of 0.30 is below the 1.81 distress threshold — an elevated financial-risk flag. Company is effectively debt-free after netting cash. Interest coverage of 0.2× leaves little room for earnings shocks.
- KeyCorp posted a net loss in 1 of 10 available completed fiscal years (2016–2025).
- At a valuation score of 82/100, KEY trades near the cheapest end of its own historical range (P/E 10.5).
- The stock currently yields 5.0% in dividends.
See how KEY ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for KEY in the last 30 days.
See KEY move history →Frequently Asked Questions about KEY
What is the current KeyCorp (KEY) stock price?
KEY is trading at $19.99 at the last market close, up 0.25% on the session. PreMarketPrice tracks KEY pre-market, intraday and after-hours prices.
Is KEY stock a buy right now?
PreMarketPrice's quantitative model rates KeyCorp's financial health at 31/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is KEY stock overvalued?
KeyCorp trades at a trailing P/E of 10.5 and our valuation score rates it 82/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does KeyCorp report earnings?
No confirmed earnings date is currently scheduled for KEY. The Earnings section lists recent reports and updates as dates are announced.
What sector does KeyCorp operate in?
KeyCorp operates in the Financial Services sector, within the National Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does KeyCorp do?
With assets of around $190 billion, Ohio-based KeyCorp's bank footprint spans 16 states, but it is predominantly concentrated in its three largest markets: Ohio, New York, and Washington.
About KeyCorp (KEY) Stock
KeyCorp (KEY) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry. As of the latest update, KeyCorp is trading at $19.99, up 0.25% on the day with a market capitalization of $21.3 billion. The financial health score for KEY is 31/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for KEY stock.
KEY Stock Analysis & Key Metrics
On PreMarketPrice, you can track KeyCorp (KEY) across multiple dimensions:
- Pre-market price & movement: Real-time KEY stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for KEY with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for KeyCorp across multiple reporting periods.
- Financial health score: A composite score of 31/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for KEY.
- Sector peers: Compare KEY against 6 other financial services stocks on key financial metrics.
Is KEY a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate KeyCorp (KEY) as an investment. The financial health score of 31/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.KeyCorp (KEY) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.