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Upturn AI SWOT - About
KEY 
KeyCorp (KEY)
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Upturn Advisory Summary
10/23/2025: KEY (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
24 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $21.51
1 Year Target Price $21.51
| 8 | Strong Buy |
| 5 | Buy |
| 11 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.24% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 19.83B USD | Price to earnings Ratio 22 | 1Y Target Price 21.51 |
Price to earnings Ratio 22 | 1Y Target Price 21.51 | ||
Volume (30-day avg) 24 | Beta 1.13 | 52 Weeks Range 12.42 - 19.41 | Updated Date 10/24/2025 |
52 Weeks Range 12.42 - 19.41 | Updated Date 10/24/2025 | ||
Dividends yield (FY) 4.68% | Basic EPS (TTM) 0.81 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-10-16 | When Before Market | Estimate 0.38 | Actual 0.41 |
Profitability
Profit Margin 18.12% | Operating Margin (TTM) 33.73% |
Management Effectiveness
Return on Assets (TTM) 0.57% | Return on Equity (TTM) 5.82% |
Valuation
Trailing PE 22 | Forward PE 10.37 | Enterprise Value 31688804352 | Price to Sales(TTM) 3.34 |
Enterprise Value 31688804352 | Price to Sales(TTM) 3.34 | ||
Enterprise Value to Revenue 7.6 | Enterprise Value to EBITDA - | Shares Outstanding 1112952000 | Shares Floating 1107977105 |
Shares Outstanding 1112952000 | Shares Floating 1107977105 | ||
Percent Insiders 0.27 | Percent Institutions 89.76 |
Upturn AI SWOT
KeyCorp
Company Overview
History and Background
KeyCorp traces its origins to 1825 with the Commercial Bank of Albany. Through mergers and acquisitions, including the notable Society Corporation merger in 1994, it evolved into the KeyCorp we know today.
Core Business Areas
- Commercial Banking: Provides a wide array of banking and financial services to businesses, including lending, deposit accounts, cash management, and investment banking.
- Consumer Banking: Offers banking products and services to individuals, including checking and savings accounts, mortgages, auto loans, credit cards, and investment services.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and institutions.
Leadership and Structure
KeyCorp is led by a Board of Directors and an executive management team. Christopher M. Gorman serves as Chairman, CEO and President. The company operates under a hierarchical organizational structure with various departments and divisions reporting to the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, a significant revenue driver. Market share data is not publicly specified but is highly competitive with many regional and national banks. Competitors include Bank of America (BAC), JP Morgan Chase (JPM), and PNC Financial Services (PNC).
- Mortgage Lending: Residential mortgage origination and servicing. Market share fluctuates with interest rate changes and economic conditions. Competitors include Rocket Mortgage (RKT), Wells Fargo (WFC), and U.S. Bancorp (USB).
- Credit Cards: Consumer credit cards with various rewards programs. Market share is smaller compared to major credit card issuers. Competitors include American Express (AXP), Capital One (COF), and Discover (DFS).
Market Dynamics
Industry Overview
The banking industry is undergoing significant changes due to rising interest rates, increased regulation, fintech disruption, and evolving customer preferences. Consolidation and digital transformation are key trends.
Positioning
KeyCorp is a regional bank with a strong presence in the Midwest and Northeast. It differentiates itself through its relationship-focused approach and specialized industry expertise.
Total Addressable Market (TAM)
The total addressable market for banking services is in the trillions of dollars globally. KeyCorp's TAM is focused on its regional footprint and specific business segments. Its positioning focuses on relationship banking and specialized industry expertise.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest and Northeast
- Relationship-focused banking model
- Diversified business lines (commercial, consumer, wealth)
- Experienced management team
- Healthy capital ratios
Weaknesses
- Geographic concentration limits growth potential
- Smaller size compared to national banks
- Reliance on interest rate environment
- Vulnerability to regional economic downturns
- Slower technology adoption compared to Fintech firms
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking solutions
- Acquisitions of smaller banks and fintech companies
- Growth in wealth management services
- Capitalize on the middle market segment
Threats
- Rising interest rates and inflation
- Increased competition from national banks and fintech companies
- Regulatory changes and compliance costs
- Cybersecurity risks
- Economic downturns and credit quality deterioration
Competitors and Market Share
Key Competitors
- PNC
- USB
- BAC
- JPM
- WFC
Competitive Landscape
KeyCorp competes with larger national banks and regional players. Its competitive advantage lies in its strong relationships and regional focus. The market is highly competitive.
Growth Trajectory and Initiatives
Historical Growth: KeyCorp's historical growth has been steady, influenced by economic conditions and strategic initiatives.
Future Projections: Analyst estimates for future growth vary depending on economic outlook and KeyCorp's execution of its strategy.
Recent Initiatives: Recent initiatives include investments in digital technology and expansion of specialized lending capabilities.
Summary
KeyCorp is a regional bank with a solid presence in the Midwest and Northeast. Its relationship-focused banking and diversified business lines provide stability, but its smaller size and geographic concentration limit growth potential. The company faces threats from larger banks, fintech disruptors, and economic uncertainty and needs to continue investing in technology and expanding into new markets to sustain growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Investor Relations materials, Financial News Outlets, and Industry Reports.
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is approximate and may vary by source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About KeyCorp
Exchange NYSE | Headquaters Cleveland, OH, United States | ||
IPO Launch date 1987-11-05 | Chairman, President & CEO Mr. Christopher Marrott Gorman | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 17169 | Website https://www.key.com |
Full time employees 17169 | Website https://www.key.com | ||
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 and investment products; commercial leasing, investment management, consumer finance; personal finance and financial wellness, lending, student loan refinancing, mortgage and home equity, credit card, treasury, and business advisory; and wealth management and investment services for institutional, non-profit, and high-net-worth clients. It also provides lending, cash management, equipment financing, and commercial mortgage loans; and capital market products and services, such as syndicated finance, debt and equity underwriting, fixed income and equity sales and trading, derivatives, foreign exchange, mergers and acquisition, other advisory, and public finance to large corporate and institutional clients. In addition, the company offers personal and institutional trust custody services, personal financial and planning services, access to mutual funds, treasury services, and international banking services. Further, it provides community development financing, securities underwriting, brokerage, and investment banking services, as well as merchant services. The company was founded in 1849 and is headquartered in Cleveland, Ohio.
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