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Key

KEY
55
Banks - Regional · Financial Services
Price
$23.55
-0.44 (-1.83%)
Market Cap
$25.42B
Winston Score
55
Winston is curious
A decent business — some strong pillars, some weaker.

Share count rising — dilution

+14.4% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 957.4M (2021) → 1.10B (2025)

KeyCorp is a regional bank headquartered in Cleveland, Ohio. It offers everyday banking services like checking accounts, savings accounts, and loans to regular people, as well as more complex financial services like investment banking and wealth management to businesses and wealthy clients. It operates mainly under the KeyBank brand and is one of the larger regional banks in the United States.

KeyCorp makes money by collecting interest on loans and mortgages, charging fees for banking services, and earning commissions on investment products. It operates across roughly 15 states, mostly in the Midwest, Pacific Northwest, and Northeast, with around $190 billion in total assets. Regional banks like KeyCorp face ongoing pressure from both large national banks with bigger technology budgets and rising competition from online-only banks, and its ability to grow depends heavily on the interest rate environment and the overall health of the U.S. economy.

Winston Score History

Politician Trades

8 trades / 12mo

5 Congressional buys and 3 sells on KEY in the last 12 months.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+1.1% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+36.4% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.4%ownership

Relatively low insider ownership

Cash Runway

~4 years

$1.1B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

$1.1B cash & investments at current burn rate

Growth context

Key is growing revenue at 1% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin
67.4%
Premium pricing power — 67.4% gross margin
Operating Margin
25.7%
Excellent — 25.7% operating margin
ROCE
1.9%
Weak — 1.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY
+23.1%
Fast-growing sales (23.1% YoY)
EPS YoY
N/A
Data not available
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion
117%
Turns 117% of profit into real cash
FCF Margin
19.4%
Converts sales into free cash efficiently (19.4%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity
0.85
Moderate — manageable debt (0.85)
Interest Cover
0.70x
Dangerous — barely covers interest (0.7x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)
14.4x
Attractive valuation — P/E 14.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward
+2.0
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield
3.63%
Moderate income — 3.63% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth
+0.0%
Dividend flat

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