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KEYKeyCorp

Financials · Banks · NYSE

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FY2025 at a glance

Sales up 62.7%, free cash flow up to $2.1B

XBRL, from each 10-K

RevenueStatements ↓

$7.5B

from $4.6B in FY2024

FY2016FY2025

Net incomeStatements ↓

$1.8B

from -$161.0M in FY2024

FY2016FY2025

Free cash flowStatements ↓

$2.1B

from $599.0M in FY2024

FY2016FY2025

EPS (diluted)Statements ↓

$1.52

from $-0.32 in FY2024

FY2016FY2025

Total debtStatements ↓

$9.9B

from $12.1B in FY2024

FY2016FY2025

Price and key numbers

The latest figures

All key numbers (33, from the latest 10-K and 10-Q) From EDGAR

EPS (ttm)	1.82	Sales (ttm)	8.0B	Net income (ttm)	2.1B	Sales growth	+62.7%	EPS growth	-	Sales Q/Q	+8.3%
Free cash flow	1.5B	Gross margin	-	Oper. margin	-	Net margin	26.6%	FCF margin	19.0%	ROE	11.9%
ROA	1.1%	R&D / sales	-	Dividend	0.82	Debt/Eq	0.64	Curr. ratio	-	Cash	1.5B
Op. cash flow (ttm)	1.6B	Net debt	9.9B	Payout ratio	53.9%	Tax rate	20.7%	Stock pay / sales	1.8%	Shares out.	1.1B
Shares Y/Y	+16.7%	Book / share	16.86	Cash / share	1.46	Sales / share	7.55	Asset turnover	0.04	Sales 3Y CAGR	+1.1%
Sales 5Y CAGR	+2.3%	EPS 3Y CAGR	-7.7%	EPS 5Y CAGR	+3.7%

Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.

Changes in the numbers

FY2025 against FY2024

Free cash flow rose 251%$599.0M → $2.1B · Cash from operations − capital expenditure · 10-K ↗
Revenue growth sped up to +62.7%-28.0% → +62.7% · Revenue FY2025 / revenue FY2024 − 1, against the same a year earlier · 10-K ↗
Net income turned to a profit−$161.0M → $1.8B · Net income attributable to the company · 10-K ↗

What management wrote about it → · Every company →

KEY against Financials peers

Ten years, side by side → · All 76 →

KEYPeer median

Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How

Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.

Sales growth

+62.7%1st of 76 · median +7.2%

Net margin

26.6%22nd of 76 · median 20.4%

Return on equity

11.9%51st of 74 · median 16.7%

Free cash flow margin

19.0%29th of 49 · median 21.5%

Debt / equity (less is better)

0.6428th of 62 · median 0.70

KEY and the 5 peers closest in revenue
Company	Revenue (ttm)	Sales growth	Gross margin	Net margin	ROE	FCF margin	Debt / equity
KEY KeyCorp	$8.0B	+62.7%	-	26.6%	11.9%	19.0%	0.64
NTRS Northern Trust	$8.4B	-2.5%	-	28.8%	18.2%	20.6%	-
MCO Moody's Corporation	$8.2B	+8.9%	74.6%	35.3%	88.2%	36.4%	2.11
TROW T. Rowe Price	$7.7B	+3.1%	-	28.4%	19.2%	20.7%	-
RF Regions Financial Corporation	$7.7B	+6.3%	-	29.9%	12.9%	-	0.59
IVZ Invesco	$7.1B	+5.1%	-	-4.4%	-2.5%	24.9%	0.10

Profitability

1 of 3

✓
Net margin above the peer median26.6% vs 20.4%
!
Return on equity below 15%11.9%
!
A profit in 9 of 10 years

Net margin, FY2016 to FY2025: 15.7% → 24.3%

Cash and shareholders

1 of 2

!
Share count up over 5 years+13.7%
✓
Dividend per share up over 5 years$0.74 → $0.82

Free cash flow, FY2016 to FY2025: 1.5B → 2.1B

Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.

Debt

$9.9B of principal due, schedule of Dec 31, 2025

Repayment schedule →

From the balance sheet in the latest 10-K or 10-Q (XBRL). When each part falls due, year by year, and the debt note's own lines are on the Debt tab.

Revenue and net income, FY2016 to FY2025

Revenue 7.5B Net income 1.8B

From XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →

Where the $7.7B of revenue came from

by segment, year to Dec 31, 2025

Commercial Bank $4.0B · 52%
Consumer Bank $3.7B · 48%

From the segment tables in the 10-K XBRL. Revenue by segment, product and region →

Statements

Income statement, balance sheet and cash flow

XBRL, each 10-K and 10-Q

KEY's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.

Annual Quarterly

Revenue7.5B

Net income1.8B

Free cash flow2.1B

EPS (diluted)1.52

Dividend per share0.82

Diluted shares1.1B

Revenue by business segment

year to Dec 31, 2025

	Revenue	Share	vs year before
Commercial Bank	4.0B	53.8%	+17.6%
Consumer Bank	3.7B	48.8%	+15.6%

10-K 0001628280-26-010546, segment and revenue notes (XBRL).

Revenue by product or service

year to Dec 31, 2025

	Revenue	Share	vs year before
Trust and investment services income	558.0M	7.4%	+7.7%
Investment banking and debt placement fees	551.0M	7.3%	+5.8%
Cards and payments income	337.0M	4.5%	+1.8%
Services charges on deposit accounts	295.0M	3.9%	+13.0%
Other noninterest income	8.0M	0.1%	-33.3%

10-K 0001628280-26-010546, segment and revenue notes (XBRL).

Income statement

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	5.0B	6.3B	6.5B	6.4B	6.7B	7.3B	7.3B	6.4B	4.6B	7.5B
Interest expense	400.0M	613.0M	969.0M	1.3B	651.0M	296.0M	885.0M	4.0B	4.2B	3.7B
Pretax income	968.0M	1.9B	2.2B	2.0B	1.6B	3.3B	2.3B	1.2B	-306.0M	2.3B
Income tax	179.0M	637.0M	344.0M	314.0M	227.0M	642.0M	422.0M	196.0M	-143.0M	476.0M
Net income	791.0M	1.3B	1.9B	1.7B	1.3B	2.6B	1.9B	967.0M	-161.0M	1.8B
EPS (diluted)	0.80	1.13	1.71	1.62	1.27	2.63	1.93	0.88	-0.32	1.52
Diluted shares	938.5M	1.1B	1.1B	1.0B	974.8M	957.4M	933.1M	932.8M	949.6M	1.1B
Depreciation & amortization	123.0M	138.0M	131.0M	118.0M	115.0M	107.0M	96.0M	89.0M	91.0M	87.0M
Net margin	15.7%	20.5%	28.9%	26.8%	20.0%	36.0%	26.4%	15.1%	-3.5%	24.3%
Revenue growth	-	+25.6%	+2.3%	-0.9%	+4.9%	+8.6%	-0.3%	-11.8%	-28.0%	+62.7%
EPS growth	-	+41.2%	+51.3%	-5.3%	-21.6%	+107%	-26.6%	-54.4%	-136%	-

Balance sheet

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash	677.0M	671.0M	678.0M	732.0M	1.1B	913.0M	887.0M	941.0M	1.7B	1.3B
Short-term investments	2.8B	4.4B	2.6B	1.3B	16.2B	11.0B	2.4B	10.8B	17.5B	10.2B
Property & equipment	978.0M	930.0M	882.0M	814.0M	-	-	-	-	-	-
Goodwill	2.4B	2.5B	2.5B	2.7B	2.7B	2.7B	2.8B	2.8B	2.8B	2.8B
Total assets	136.5B	137.7B	139.6B	145.0B	170.3B	186.3B	189.8B	188.3B	187.2B	184.4B
Total debt	12.4B	14.3B	13.7B	12.4B	13.7B	12.0B	19.3B	19.6B	12.1B	9.9B
Total liabilities	121.2B	122.7B	124.0B	128.0B	152.4B	168.9B	176.4B	173.6B	169.0B	164.0B
Shareholders' equity	15.2B	15.0B	15.6B	17.0B	18.0B	17.4B	13.5B	14.6B	18.2B	20.4B
Retained earnings	9.4B	10.3B	11.6B	12.5B	12.8B	14.6B	15.6B	15.7B	14.6B	15.4B

Cash flow

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Operating cash flow	1.7B	1.8B	2.5B	2.9B	1.7B	1.2B	4.5B	2.9B	664.0M	2.2B
Capital spending	145.0M	112.0M	99.0M	85.0M	63.0M	66.0M	96.0M	142.0M	65.0M	107.0M
Free cash flow	1.5B	1.7B	2.4B	2.8B	1.6B	1.1B	4.4B	2.8B	599.0M	2.1B
Stock-based pay (added back)	99.0M	100.0M	99.0M	96.0M	101.0M	104.0M	120.0M	121.0M	104.0M	132.0M
Dividends paid	335.0M	480.0M	656.0M	804.0M	829.0M	823.0M	854.0M	911.0M	927.0M	1.1B
Buybacks	140.0M	664.0M	1.1B	835.0M	134.0M	585.0M	0	0	-	-
Acquisitions	481.0M	144.0M	0	185.0M	0	29.0M	58.0M	0	0	-
Debt raised	2.8B	2.9B	2.3B	2.1B	3.6B	1.2B	16.6B	5.2B	1.6B	1.6B
Debt repaid	1.3B	748.0M	2.9B	3.6B	2.5B	2.6B	8.6B	5.1B	9.1B	4.1B
Investing cash flow	-6.5B	-2.2B	-2.5B	-4.9B	-24.7B	-15.1B	-10.9B	1.4B	2.5B	3.2B
Financing cash flow	4.8B	418.0M	-17.0M	2.1B	23.4B	13.7B	6.4B	-4.3B	-2.4B	-5.9B
Dividend per share	0.33	0.38	0.56	0.71	0.74	0.75	0.79	0.82	0.82	0.82

Stock-based pay and leases

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Stock-based pay (expense)	99.0M	100.0M	99.0M	96.0M	101.0M	104.0M	120.0M	121.0M	104.0M	132.0M
Stock-based pay / revenue	2.0%	1.6%	1.5%	1.5%	1.5%	1.4%	1.7%	1.9%	2.3%	1.8%
Operating lease cost	-	-	-	136.0M	135.0M	133.0M	128.0M	122.0M	118.0M	118.0M
Operating lease cash paid	-	-	-	146.0M	143.0M	141.0M	139.0M	136.0M	134.0M	129.0M
Finance lease principal paid	-	-	-	2.0M	2.0M	2.0M	1.0M	1.0M	1.0M	-
Right-of-use assets	-	-	-	654.0M	630.0M	595.0M	525.0M	479.0M	453.0M	444.0M
Operating lease liabilities	-	-	-	748.0M	711.0M	676.0M	601.0M	548.0M	506.0M	484.0M
Finance lease liabilities	-	-	-	13.0M	11.0M	7.0M	6.0M	5.0M	3.0M	-

From SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.

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