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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
10/26/2026: KEY (3-star) is currently NOT-A-BUY. Pass it for now.
KeyCorp is a large US regional bank holding company that provides commercial, retail, and investment banking services across a multi-state footprint. Its primary strengths lie in a diversified revenue model and established expertise in specialized industries like healthcare and real estate. The company's growth story centers on digital transformation and expanding its fee-based capital markets business to offset interest-rate volatility. However, it faces risks from margin pressure, regional economic concentration, and intense competition from fintech platforms. KeyCorp may suit dividend-focused or value-oriented investors who monitor the balance between loan growth and credit risk, as well as the company’s ability to manage operational costs in a high-rate environment.
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 is a mature regional bank that provides steady growth rather than aggressive capital appreciation. |
| Momentum investor | Mixed fit | Momentum appeal depends heavily on interest rate cycles and sector-wide sentiment shifts. |
| Value investor | Strong fit | KeyCorp is often priced based on book value and earnings multiples common to the regional banking sector. |
| Dividend investor | Strong fit | The company has a history of paying consistent dividends, making it a potential candidate for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, banking stocks carry inherent sector-specific risks, including interest rate and credit volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Bank stocks can react sharply to macro-economic data and interest rate signals. |
| Valuation risk | Medium | Valuations fluctuate significantly based on investor sentiment toward the regional banking sector. |
| Competition risk (Banking) | High | KeyCorp faces intense competition from both traditional banks and digital-first financial services. |
| Business quality | Medium | The franchise is established but operates in a capital-intensive industry with thin margins. |
| Dividend income | Strong | The dividend is a key component of the total return proposition for shareholders. |
| Execution risk | Medium | Management must successfully balance cost-cutting initiatives with the need for digital modernization. |
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 10/26/2026 |
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 22.50B USD | Price to earnings Ratio 12.26 | 1Y Target Price 25.11 |
Price to earnings Ratio 12.26 | 1Y Target Price 25.11 | ||
Volume (30-day avg) 17.8M shares | Beta 1.09 | 52 Weeks Range 16.24 - 23.84 | Updated Date 10/25/2026 |
52 Weeks Range 16.24 - 23.84 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 3.87% | Basic EPS (TTM) 1.72 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits and borrowings. | The primary engine of the bank, where it earns money on the spread between what it pays savers and what it charges borrowers. |
| Non-Interest Income | Fees from services, trust and investment services, and investment banking/capital market fees. | Income generated from service fees and advice rather than traditional interest-based lending. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-20 | When Before Market | Estimate 0.46 | Actual 0.51 |
Profitability
Profit Margin 27.99% | Operating Margin (TTM) 37.37% |
Management Effectiveness
Return on Assets (TTM) 1.11% | Return on Equity (TTM) 11.17% |
Valuation
Trailing PE 12.26 | Forward PE 9.89 | Enterprise Value 38.52B | Price to Sales(TTM) 2.97 |
Enterprise Value 38.52B | Price to Sales(TTM) 2.97 | ||
Enterprise Value to Revenue 5.13 | Enterprise Value to EBITDA - | Shares Outstanding 1.07B | Shares Floating 1.05B |
Shares Outstanding 1.07B | Shares Floating 1.05B | ||
Percent Insiders 0.3 | Percent Institutions 90.39 |
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.
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