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Upturn AI SWOT - About
KEY 
KeyCorp (KEY)
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Upturn Advisory Summary
07/15/2025: KEY (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
24 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $19.24
1 Year Target Price $19.24
| 8 | Strong Buy |
| 5 | Buy |
| 11 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 6.87% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 19.61B USD | Price to earnings Ratio - | 1Y Target Price 19.24 |
Price to earnings Ratio - | 1Y Target Price 19.24 | ||
Volume (30-day avg) 24 | Beta 1.07 | 52 Weeks Range 12.56 - 19.33 | Updated Date 07/15/2025 |
52 Weeks Range 12.56 - 19.33 | Updated Date 07/15/2025 | ||
Dividends yield (FY) 4.71% | Basic EPS (TTM) -0.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-07-22 | When Before Market | Estimate 0.3487 | Actual - |
Profitability
Profit Margin 0.56% | Operating Margin (TTM) 31.29% |
Management Effectiveness
Return on Assets (TTM) 0.01% | Return on Equity (TTM) 0.14% |
Valuation
Trailing PE - | Forward PE 12.66 | Enterprise Value 33484316672 | Price to Sales(TTM) 4.39 |
Enterprise Value 33484316672 | Price to Sales(TTM) 4.39 | ||
Enterprise Value to Revenue 8.05 | Enterprise Value to EBITDA - | Shares Outstanding 1095939968 | Shares Floating 1090813423 |
Shares Outstanding 1095939968 | Shares Floating 1090813423 | ||
Percent Insiders 0.28 | Percent Institutions 89.66 |
Upturn AI SWOT
KeyCorp
Company Overview
History and Background
KeyCorp traces its roots to 1825 with the founding of Commercial Bank of Albany. Through numerous mergers and acquisitions, including Society Corporation in 1994, it evolved into KeyCorp, a leading regional bank.
Core Business Areas
- Commercial Banking: Provides a wide array of lending, deposit, and cash management services to middle market, corporate, and institutional clients.
- Consumer Banking: Offers retail banking services, including mortgage lending, credit cards, and investment services to individual customers.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
KeyCorp is led by Chairman and CEO, Chris Gorman. The organizational structure comprises various business units reporting to executive leadership, overseeing key functions like risk management, finance, and technology.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for working capital, expansion, and acquisitions. Market share is regional, difficult to precisely quantify nationally. Competitors include Bank of America, JP Morgan Chase, and regional banks like PNC and U.S. Bancorp.
- Mortgage Loans: Offers mortgage loans to consumers for home purchases and refinancing. Market share is relatively small compared to national leaders. Competitors include Wells Fargo, Rocket Mortgage, and other large banks.
- Investment Management Services: Provides financial planning and investment advice to individuals and institutions. Revenue is not publicly broken out. Competitors include Fidelity, Vanguard, and Charles Schwab.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies. Consolidation is also a key trend.
Positioning
KeyCorp is a regional bank focused on the Midwest and Northeast. Its competitive advantage lies in its strong local presence and relationships. The increase in rates can be seen as both a positive and negative, depending on when and at what rate the company has borrowed.
Total Addressable Market (TAM)
The total addressable market for banking services is vast, encompassing all individuals and businesses requiring financial services. TAM is difficult to quantify exactly. KeyCorp is positioned to serve a significant portion of the regional banking market and specific segments within commercial and wealth management.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diverse revenue streams
- Experienced management team
- Solid risk management practices
- Longstanding customer relationships
Weaknesses
- Limited national presence compared to larger banks
- Exposure to regional economic downturns
- Dependence on interest rate environment
- IT systems are potentially outdated
- Not as technologically advanced
Opportunities
- Expansion into new geographic markets
- Increased investment in technology
- Strategic acquisitions
- Growth in wealth management business
- Capitalizing on digital banking trends
Threats
- Rising interest rates and inflation
- Increased competition from fintech companies
- Regulatory changes
- Economic slowdown
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- PNC
- USB
Competitive Landscape
KeyCorp faces intense competition from larger national banks and regional players. Its advantage lies in its regional focus and customer relationships. They have solid risk management, but limited compared to other banks.
Major Acquisitions
HelloWallet
- Year: 2015
- Acquisition Price (USD millions): 52
- Strategic Rationale: Acquired HelloWallet to enhance its financial wellness programs for employees and customers.
Growth Trajectory and Initiatives
Historical Growth: KeyCorp's historical growth has been driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates suggest moderate growth for KeyCorp, driven by expansion in key business lines and cost-cutting initiatives.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of wealth management services, and cost reduction programs.
Summary
KeyCorp is a regional bank with a solid presence in the Midwest and Northeast. It has shown consistent growth, though faces competition from larger banks and fintech firms. Its strengths are its regional focus and customer relationships, while weaknesses lie in its limited national reach and potential technological gaps. Investing in technology and expanding into new markets could improve KeyCorp's long-term outlook.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Financial Modeling Prep
- SEC Filings
- Company Investor Relations
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data is subject to change.
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 16989 | Website https://www.key.com |
Full time employees 16989 | 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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