KeyCorp
KEY-PL - Insider Information
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+ FollowMarket Cap$23.26B
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Earnings Call Q3 2026
October 20, 2026 - AI Summary
Strong quarter / momentum & relationship franchise
- Q3 2026 EPS: $0.51, +24% YoY.
- Revenue: >$2B, +8% YoY (claimed record quarterly revenue).
- PPNR: +$60M linked-quarter; ROTCE (return on tangible common equity) 15.1%, >15% and +260 bps YoY.
- Management attributes performance to the relationship-focused model (deposits + commercial payments + wealth/investment banking).
Rates + funding: NIM up, deposit franchise strength
- Net interest margin (NIM): 2.95%, +6 bps sequentially (sequential improvement credited to fixed asset repricing, funding optimization, swaps/securities repricing, and one extra day).
- Deposits: avg total deposits +$3.6B (+2.4%) sequentially; client deposits +$2.8B (+1.9%).
- Funding costs: deposit cost +3 bps seq, overall funding cost +1 bp seq → key sign of deposit stickiness vs. price pressure.
- Deposit beta expectation: management expects mid-50s cumulative beta over time with beta lag early in cycle.
Credit quality improving (good news)
- Provision for credit losses: $61M (includes $89M / 32 bps net charge-offs and $28M reserve release).
- Net charge-offs improved; NPA ratio down 19 bps seq to 55 bps (lowest since late 2023).
- Criticized loan ratio: 4.9%, stable.
- Management stance: well reserved for economic/geopolitical uncertainty.
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$20.25
17.9% downside
Current Fair Value
17.9% downsideOvervalued by 17.9% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $23.26 Billion |
|---|---|
| Enterprise Value | $38.38 Billion |
| Annual dividend | $1.55 |
| Dividend yield | 3.88% |
| Earnings per Share | $1.53 |
| Beta | 1.03 |
| Outstanding Shares | 1,054,951,000 |
Return
| Return on Equity | 11.90% |
|---|---|
| Return on Assets | 1.10% |
| Return on Invested Capital | 5.96% |
Valuation & Multiples
| P/E Ratio | 11.54 |
|---|---|
| PEG | 62.71 |
| Price to Sales | 2.74 |
| Price to Book Ratio | 1.54 |
| Enterprise Value to Revenue | 3.65 |
| Enterprise Value to EBIT | 18.92 |
| Enterprise Value to Net Income | 18 |
| Total Debt to Enterprise | 0.43 |
| Debt to Equity | 0.94 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 20, 2026
EPS Estimate
$0.46
Consensus analyst estimateRevenue Estimate
$2.05 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 20, 2027
EPS Estimate
$0.50
Consensus analyst estimateRevenue Estimate
$2.13 B
Consensus analyst estimateInstitutional Sentiment (Put/Call)
No data available for the latest quarter.
Institutional Ownership
No data available for the latest quarter.
About Keycorp
16,826 employees
CEO: Beth Mooney
KeyCorp, the parent entity of KeyBank National Association, delivers an extensive array of retail and commercial banking services throughout the United States. Its activities are organized into two primary divisions: the Consumer Bank an...