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KeyCorp

KEY
59
Banks - Regional · Financial Services
Also trades as: 0JQR.L
Price
$22.89
+0.01 (+0.02%)
Market Cap
$24.71B
Winston Score
59
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 13, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Strong
Growth
Good
Capital Strength
Exceptional
Asset Quality
Strong
Valuation
Good
Dividends
Mixed
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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)

Winston Score History

The full picture

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.

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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

-26.4% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+25.7% 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

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$159.9B cash & investments at current burn rate

Revenue declining

KeyCorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

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.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on Equity
12.3%
no trend
Strong — 12.3% return on equity

Standard mid-range return on equity. Acceptable.

Net Interest Margin
3.10%
no trend
Wide spread — 3.10% net interest margin
Efficiency Ratio
54.7%
no trend
Very lean — spends 54.7¢ to earn a dollar

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Growth

Sales YoY
+13.5%
Fast-growing sales (+13.5% YoY)
EPS YoY
N/A
Data not available
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Capital Strength

Capital Ratio
12.5%
no trend
Fortress balance sheet — 12.5% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Non-Performing Loans
0.82%
no trend
Clean loan book — 0.82% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Net Charge-Offs
0.37%
no trend
Moderate — 0.37% net charge-offs

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Valuation

P/E Ratio (TTM)
13.2x
Attractive valuation — P/E 13.2

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

P/E vs Forward
+0.3
GROWING
Earnings roughly flat

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Dividends

Dividend Yield
3.48%
Moderate income — 3.48% yield

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

Dividend Growth
+0.0%
Dividend flat

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