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Upturn AI Summary - About
KeyCorp(KEY)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for KEY
09/25/2026: KEY (3-star) is currently NOT-A-BUY. Pass it for now.
KeyCorp is a prominent regional bank holding company that provides a comprehensive suite of consumer and commercial banking services, with a notable specialization in middle-market lending and investment banking. The company's strengths include a well-established regional footprint and a diversified fee-based revenue model. Its primary growth opportunity lies in leveraging digital transformation to capture specialized markets and enhance efficiency. However, the company faces risks from intense industry competition, interest rate sensitivity, and potential regulatory shifts. It may be well-suited for value and dividend-focused investors, provided they monitor the bank’s capital ratios and ability to adapt to a changing economic and digital landscape.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | KeyCorp operates in a mature industry with moderate growth potential driven by economic cycles. |
| Momentum investor | Mixed fit | Momentum fit is conditional on a positive trend in interest rate sentiment and bank sector performance. |
| Value investor | Strong fit | The stock often trades at valuations that attract value-oriented investors focused on book value and earnings multiples. |
| Dividend investor | Strong fit | KeyCorp is known for providing a consistent dividend yield, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | As a regional bank, it is subject to economic and regulatory volatility that may exceed conservative low-risk thresholds. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Bank stock prices are highly sensitive to macroeconomic indicators and interest rate expectations. |
| Valuation risk | Medium | Valuations fluctuate based on investor perception of credit quality and net interest margin outlooks. |
| Competition risk (Banking sector) | High | Intense pressure from national banks and digital-first competitors threatens deposit market share. |
| Business quality | Medium | The bank possesses a stable regional franchise but faces challenges in maintaining long-term margin expansion. |
| Dividend income | Medium | Dividend sustainability depends on capital ratios and regulatory approval during stress tests. |
| Execution risk | Medium | Successfully integrating technology and managing cost structures is vital for long-term operational success. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 24.7% | Avg. Invested days 57 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 21.99B USD | Price to earnings Ratio 12.05 | 1Y Target Price 25.82 |
Price to earnings Ratio 12.05 | 1Y Target Price 25.82 | ||
Volume (30-day avg) 12.9M shares | Beta 1.02 | 52 Weeks Range 15.82 - 23.84 | Updated Date 09/27/2026 |
52 Weeks Range 15.82 - 23.84 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 4.05% | Basic EPS (TTM) 1.71 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Earnings generated from interest-earning assets such as loans, minus interest paid on deposits. | This is the core engine of the bank, benefiting when interest rates are favorable for margins. |
| Non-Interest Income | Fees from investment banking, service charges on deposit accounts, and wealth management services. | This provides diversity and reduces reliance solely on lending rates. |
| Geography (US Focus) | Operations primarily across the Midwest, Northeast, and Pacific Northwest regions of the United States. | The bank's health is tied significantly to the economic performance of these specific US regions. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 12.05 | Forward PE 9.89 | Enterprise Value 37.00B | Price to Sales(TTM) 2.98 |
Enterprise Value 37.00B | Price to Sales(TTM) 2.98 | ||
Enterprise Value to Revenue 5.13 | Enterprise Value to EBITDA - | Shares Outstanding 1.07B | Shares Floating 1.06B |
Shares Outstanding 1.07B | Shares Floating 1.06B | ||
Percent Insiders 0.3 | Percent Institutions 90.22 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About KeyCorp
Exchange NYSE | Headquarters 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 17493 | Website https://www.key.com |
Full time employees 17493 | 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; personal finance and financial wellness, lending, student loan refinancing, mortgage and home equity, credit card, treasury, and business advisory; commercial leasing, investment management, consumer finance; 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 services, 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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