KeyCorp Financial Ratios — KEY-PI Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	9.04	8.53	8.87	8.67	8.63	6.28	8.89	12.79	11.06	7.92	15.94	13.59	7.14	-2.19	10.05
Return on Assets (%)	1.02	0.96	1	0.96	0.97	0.68	0.95	1.35	1.21	0.85	1.47	1.02	0.51	-0.09	0.98
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5.33	5.98	5.63	6.25	6.07	6.6	6.71	6.2	3.9	1.71	0.45	2.33	2.48	1.66	0.29
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35.29	27.3	29.05	32.33	30.03	20.36	31.8	35.78	32.72	23.98	46.23	33.21	18.66	-6.96	31.63
Profit Margin (%)	24.39	21.83	23.17	22.88	22.51	16.64	21.38	30.31	27.78	20.69	37.3	27.28	15.56	-3.66	25.11
Net Income to Common Margin (%)	21.55	21.27	22.58	22.32	21.95	15.86	20.22	29.24	26.21	19.06	35.79	25.6	13.26	-6.92	23.14
Effective Tax Rate (%)	27.35	21.53	23.75	25.63	24.8	18.49	33.04	15.62	15.53	14.59	19.73	18.09	16.9	- -	20.66
Dvd Payout Ratio (%)	6.54	20.44	22.9	23.42	27.11	39.68	33.52	32.91	43.89	59.12	28.61	41.05	93.54	-256.21	54.07
Sustainable Growth Rate (%)	8.45	6.79	6.84	6.64	6.29	3.79	5.91	8.58	6.21	3.24	11.38	8.01	0.46	-7.79	4.62

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	9,857	7,134	7,993	8,298	10,717	13,192	14,967	14,276	13,153	14,468	12,630	24,693	22,607	14,235	10,988
ST Debt	916	313	343	423	533	808	634	544	705	759	588	5,386	3,053	2,130	1,071
LT Debt	8,941	6,821	7,650	7,875	10,184	12,384	14,333	13,732	12,448	13,709	12,042	19,307	19,554	12,105	9,917
Total Debt/EBITDA	49.04	30.36	36.17	33.73	43.39	42.01	36.77	37.37	54.58	130.34	394.69	150.57	146.8	195	523.24
Net Debt/EBITDA	45.49	27.83	33.35	31.08	40.93	39.79	35.08	35.55	51.49	120.41	365.91	145.13	140.66	171.12	461.95
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.83	11.18	10.77	10.91	10.99	9.95	10.17	10.13	10.44	9.44	8.33	5.77	6.45	8.38	9.7
Long-Term Debt/Equity (%)	90.11	66.17	74.13	74.7	94.66	81.26	95.39	88.05	73.06	76.24	69.12	143.5	133.59	66.6	48.66
Long-Term Debt/Capital (%)	45.2	39.1	41.77	41.8	47.42	43.56	47.79	45.97	41.23	42.25	40.07	50.61	52.5	37.35	31.61
Long-Term Debt/Total Assets (%)	10.07	7.64	8.23	8.39	10.71	9.08	10.41	9.84	8.59	8.05	6.46	10.17	10.39	6.47	5.38
Total Debt/Equity (%)	99.34	69.2	77.45	78.71	99.61	86.56	99.61	91.54	77.2	80.46	72.49	183.54	154.45	78.32	53.91
Total Debt/Capital (%)	49.84	40.9	43.65	44.04	49.9	46.4	49.9	47.79	43.57	44.59	42.03	64.73	60.7	43.92	35.03
Total Debt/Total Assets (%)	11.1	7.99	8.6	8.84	11.27	9.67	10.87	10.23	9.07	8.49	6.78	13.01	12.01	7.61	5.96
Net Debt to Equity	92.16	63.45	71.42	72.52	93.97	81.99	95.03	87.09	72.83	74.33	67.2	176.91	147.99	68.73	47.6
Net Debt/Capital (%)	47.91	38.8	41.65	42.04	48.45	45.02	48.7	46.52	42.12	42.62	40.18	63.88	59.67	40.73	32.25
EBITDA	201	235	221	246	247	314	407	382	241	111	32	164	154	73	21
EBITDA-CapEx	21	71	121	149	172	169	295	283	156	48	-34	56	12	8	-86
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.83	11.18	10.77	10.91	10.99	9.95	10.17	10.13	10.44	9.44	8.33	5.77	6.45	8.38	9.7
Long-Term Debt/Equity (%)	90.11	66.17	74.13	74.7	94.66	81.26	95.39	88.05	73.06	76.24	69.12	143.5	133.59	66.6	48.66
Long-Term Debt/Capital (%)	45.2	39.1	41.77	41.8	47.42	43.56	47.79	45.97	41.23	42.25	40.07	50.61	52.5	37.35	31.61
Long-Term Debt/Total Assets (%)	10.07	7.64	8.23	8.39	10.71	9.08	10.41	9.84	8.59	8.05	6.46	10.17	10.39	6.47	5.38
Total Debt/Equity (%)	99.34	69.2	77.45	78.71	99.61	86.56	99.61	91.54	77.2	80.46	72.49	183.54	154.45	78.32	53.91
Total Debt/Capital (%)	49.84	40.9	43.65	44.04	49.9	46.4	49.9	47.79	43.57	44.59	42.03	64.73	60.7	43.92	35.03
Total Debt/Total Assets (%)	11.1	7.99	8.6	8.84	11.27	9.67	10.87	10.23	9.07	8.49	6.78	13.01	12.01	7.61	5.96
CFO/Total Liabilities	2.27	1.65	1.87	1.59	1.34	1.39	1.48	2.02	2.27	1.1	0.68	2.53	1.67	0.39	1.35
CFO/CapEx	9.96	7.92	15.47	13.61	15.08	11.65	16.21	25.31	34.19	26.56	17.47	41.38	20.44	10.22	20.64
Altman's Z-Score	0.14	0.15	0.16	0.17	0.18	0.27	0.3	0.29	0.3	0.26	0.25	0.23	0.22	0.23	0.26

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	28,235	30,918	26,324	27,830	28,561	28,088	21,634	20,080	27,172	27,317
- Cash & Cash Equivalents	694	584	617	653	607	677	671	678	732	1,091	913	887	941	1,743	1,287
+ Preferred Equity and Hybrid Capital	291	291	291	291	290	1,665	1,025	1,450	1,900	1,900	1,900	2,500	2,500	2,500	2,500
+ Minority/Non Controlling Interest	17	38	17	12	13	- -	2	1	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	9,857	7,134	7,993	8,298	10,717	13,192	14,967	14,276	13,153	14,468	12,630	24,693	22,607	14,235	10,988
Enterprise Value	-10,060	-9,155	-10,252	-9,681	-6,512	19,428	23,655	19,383	19,036	88	-14,669	6,391	-3,756	-13,047	25,798
Total Capital	19,779	17,443	18,313	18,840	21,476	28,432	29,992	29,872	30,191	32,449	30,053	38,147	37,244	32,411	31,369
Total Debt/Capital (%)	49.84	40.9	43.65	44.04	49.9	46.4	49.9	47.79	43.57	44.59	42.03	64.73	60.7	43.92	35.03
Total Debt / EV	-0.98	-0.78	-0.78	-0.86	-1.65	0.68	0.63	0.74	0.69	164.63	-0.86	3.86	-6.02	-1.09	0.43
EV/Sales	- -	- -	- -	- -	- -	4.09	3.9	3.15	3.08	0.01	- -	0.91	0.77	- -	3.54
EV/EBITDA	- -	- -	- -	- -	- -	61.87	58.12	50.74	78.99	0.79	- -	38.97	35.68	- -	1,228.5
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	11.5	13.03	7.73	6.55	0.05	- -	1.43	1.65	- -	11.68
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	10.59	12.28	7.44	6.36	0.05	- -	1.4	1.57	- -	11.14
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	9,471	6,879	7,684	7,948	10,413	14,180	15,323	15,049	14,321	15,277	13,617	26,306	24,166	14,992	12,201
EV per Share	- -	- -	- -	- -	- -	18	22.13	19.01	19.48	0.09	- -	6.85	- -	- -	23.4
TTM Sales	3,772	3,930	3,928	3,934	4,069	4,755	6,063	6,157	6,180	6,490	7,038	7,026	6,215	4,396	7,285
TTM EBITDA	201	235	221	246	247	314	407	382	241	111	32	164	154	73	21
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1,793	1,299	1,547	1,320	1,131	1,689	1,815	2,506	2,906	1,673	1,153	4,469	2,903	664	2,208
TTM Free Cash Flow to Firm	1,973	1,463	1,647	1,417	1,206	1,834	1,927	2,605	2,991	1,736	1,219	4,577	3,045	729	2,315

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-10,060	-9,155	-10,252	-9,681	-6,512	19,428	23,655	19,383	19,036	88	-14,669	6,391	-3,756	-13,047	25,798
Low Price	- -	- -	- -	- -	- -	23.35	26.05	24.5	25.54	16.6	27.4	22.74	15.63	21.38	23.5
EV/Sales	- -	- -	- -	- -	- -	4.09	3.9	3.15	3.08	0.01	- -	0.91	0.77	- -	3.54
EV/EBITDA	- -	- -	- -	- -	- -	61.87	58.12	50.74	78.99	0.79	- -	38.97	35.68	- -	1,228.5
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	2.08	2.21	1.86	1.84	1.78	1.81	1.98	1.65	1.73	1.53
Price/Book Value Average	- -	- -	- -	- -	- -	2.03	2.18	1.95	1.82	1.72	1.79	2.21	1.68	1.69	1.53
Price/Book Value High	- -	- -	- -	- -	- -	2.09	2.29	2.1	2	1.91	1.87	2.58	2.04	1.83	1.59
Price/Book Value Low	- -	- -	- -	- -	- -	1.86	1.99	1.77	1.65	1.01	1.64	1.94	1.21	1.51	1.45
Price/Tangible Book Value	- -	- -	- -	- -	- -	2.63	2.8	2.33	2.28	2.16	2.21	2.67	2.15	2.11	1.81
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	2.57	2.76	2.44	2.25	2.09	2.18	2.99	2.18	2.06	1.81
Price/Tangible Book Value High	- -	- -	- -	- -	- -	2.64	2.9	2.62	2.47	2.32	2.28	3.48	2.65	2.23	1.88
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	2.35	2.52	2.21	2.04	1.22	2	2.62	1.57	1.83	1.71
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	2.51	1.75	1.96	2.02	2.56	8.79	7.55	6.92	6.78	6.61	5.88	7.19	7.16	9.44	5.44
EV/Sales High	2.51	1.75	1.96	2.02	2.56	8.95	7.81	7.26	7.2	7.09	6.05	7.76	7.87	9.95	5.57
EV/Sales Low	2.51	1.75	1.96	2.02	2.56	8.28	7.12	6.5	6.36	4.85	5.55	6.76	6.24	8.79	5.23
EV/EBITDA Average	47.12	29.27	34.77	32.31	42.16	133.11	112.51	111.57	173.74	386.35	1,292.59	308.03	289.09	568.62	1,887.07
EV/EBITDA High	47.12	29.27	34.77	32.31	42.16	135.56	116.37	117.06	184.75	414.72	1,331.45	332.44	317.72	599.11	1,931.18
EV/EBITDA Low	47.12	29.27	34.77	32.31	42.16	125.42	106.08	104.78	162.98	283.56	1,220.86	289.82	251.98	529.52	1,814.64
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	26.16	28.92	25.82	28.48	29.27	30.24	23.18	21.44	24.55	24.78
High Price	- -	- -	- -	- -	- -	26.3	29.97	29.1	30.91	31.52	31.21	30.23	26.44	25.97	25.72
Enterprise Value Average	9,471	6,879	7,684	7,948	10,413	41,797	45,790	42,621	41,872	42,885	41,363	50,517	44,520	41,509	39,629
Enterprise Value High	9,471	6,879	7,684	7,948	10,413	42,566	47,363	44,717	44,526	46,033	42,606	54,520	48,929	43,735	40,555
Enterprise Value Low	9,471	6,879	7,684	7,948	10,413	39,382	43,173	40,027	39,278	31,475	39,067	47,530	38,804	38,655	38,107

Shares Outstanding	953	926	891	859	836	1,079	1,069	1,020	977	976	929	933	937	1,107	1,102
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	21.22	17.95	20.83	21.27	20.98	21.93	21.75	22.23	24.4	45.95	61.68	45.47	52.26	51.46	13.61
Book Value per Share	10.09	10.78	11.24	11.91	12.51	12.58	13.09	13.87	15.49	16.48	16.71	11.74	12.96	14.16	16.22
Tangible Book Value per Share	9.11	9.54	10	10.57	11.16	9.96	10.33	11.1	12.51	13.56	13.67	8.69	9.96	11.65	13.72

KeyCorp