KEY
KEYCORP /NEW/Evidence as of 2026-10-10The desk's Snapshot
3 of 15 open to everyone · members see allRead the full desk report on KEY
Seven analysts, the debate, the risk review, every claim cited. And the same for every name you hold.
Free plan, no credit card required. Silver opens the full report, $19.99 a month. AI-written · every claim cites a source · Insight, not advice.
Overview · KEYCORP /NEW/
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, investment products and services; and personal finance and financial wellness, student loan refinancing, mortgage and home equity, lending, credit car…
Management team
- Ms. Katrina M. Evans · Chief of Staff & Director of Corporate CenterFind on LinkedIn
- Ms. Stacy L. Gilbert · Chief Accounting OfficerFind on LinkedIn
- Mr. Andrew Jackson Paine III · Head of Institutional BankFind on LinkedIn
- Ms. Angela G. Mago · Chief Human Resources OfficerFind on LinkedIn
Start free to see the full management team.
Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it, not a rating or a recommendation.
−0.5 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled. The rest of the page is the evidence behind it.
Reported revenues were $ 1,964,000,000 for Q2 2026 (fiscal quarter ended 2026-07-31), up from $ 1,953,000,000 in Q1 2026 (fiscal quarter ended 2026-05-01) and higher than comparable quarters in 2025. Net income was $ 509,000,000 in Q2 2026 versus $ 522,000,000 in Q1 2026 and $ 425,000,000 in Q2 2025, while diluted EPS held at $ 0.44 in both Q2 2026 and Q1 2026 (versus $ 0.35 in Q2 2025).
The company’s share count has fallen over the sampled periods to 1,067,128,554 as of 2026-07-31, even as long-term debt rose to $ 10,967,000,000 as of 2026-06-30 and total assets increased to $ 191,317,000,000 with stockholders’ equity at $ 19,798,000,000 on the same date. Market signals are mixed: trailing twelve-month dividend yield is + 4.11% with no dividend growth over three years, momentum measures show a recent weakness (three-month - 14.0%, six-month - 6.0%) even as 12_1 momentum is + 17.3%, and price sits below both the 50-day and 200-day SMAs with a golden cross present.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else (no outside knowledge, no browsing), so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC (revenue, margins, income, debt and share count, quarter by quarter) and reports which way the trend is running.
Reported revenues were $1,964,000,000 for the fiscal Q2 2026 (2026-04-01 to 2026-06-30, 3mo), up from $1,953,000,000 in fiscal Q1 2026 (2026-01-01 to 2026-03-31, 3mo), $1,895,000,000 in fiscal Q3 2025 (2025-07-01 to 2025-09-30, 3mo) and $1,840,000,000 in fiscal Q2 2025 (2025-04-01 to 2025-06-30, 3mo).
XBRL companyfacts · 0001628280-26-052671Net income for fiscal Q2 2026 (2026-04-01 to 2026-06-30, 3mo) was $509,000,000, compared with $522,000,000 in fiscal Q1 2026 (2026-01-01 to 2026-03-31, 3mo), $489,000,000 in fiscal Q3 2025 (2025-07-01 to 2025-09-30, 3mo) and $425,000,000 in fiscal Q2 2025 (2025-04-01 to 2025-06-30, 3mo).
XBRL companyfacts · 0001628280-26-052671Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full: its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet; its risk analysis fills in once that lands.
The company's updated risk disclosures explicitly add that "A loss of customer deposits or an adverse change in deposit mix could increase our funding costs and/or impair our liquidity."
Item 1A risk-factor diff · 0001628280-26-010546 vs 0000091576-25-000038The company added a risk that "Our development and use of AI, including through third parties, exposes us to inherent risks that may adversely impact KeyCorp."
Item 1A risk-factor diff · 0001628280-26-010546 vs 0000091576-25-000038Reads the signal panel above (momentum, volatility, drawdown, relative strength and beta) and ranks each against the whole research universe rather than judging it in isolation.
Trailing twelve-month dividend yield is +4.11%.
Moneyta signal set · 2026-10-09Dividend growth over the past 3 years is +0.0%.
Moneyta signal set · 2026-10-09Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
Institutional investors reported aggregate holdings valued at "$21.33B" as of 2026-06-30, with 942 institutional holders and a quarter-over-quarter reported portfolio value change of 16.0%.
13F holdings · 942 filers · as of 2026-06-30Major institutional holders listed in the 2026-06-30 report include BANK OF NOVA SCOTIA ($3.64B), BlackRock, Inc. ($2.04B), VANGUARD CAPITAL MANAGEMENT LLC ($1.51B), VANGUARD PORTFOLIO MANAGEMENT LLC ($1.20B), and STATE STREET CORP ($1.18B).
13F holdings · 942 filers · as of 2026-06-30Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Recent headlines exist but none are company-specific — market-wide stories and rating chatter are excluded.
Reads parsed Forms 3/4/5: who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
Mohit Ramani (Chief Risk Officer) sold 25,000 shares for a reported value of "$568k" on 2026-07-22.
Form 4 · Ramani Mohit (Chief Risk Officer) · $568k sold · 2026-07-22Elizabeth R. Gile (Director) sold 23,946 shares for a reported value of "$500k" on 2026-06-03.
Form 4 · Gile Elizabeth R. (Director) · $500k sold · 2026-06-03Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The market-implied free cash flow (FCF) growth rate that today's price would justify under the stated discount and terminal assumptions is 16.96% per year (implied_growth = 0.1696).
Valuation inputs · SEC XBRL + stored EOD closePrice-to-twelve-months-FCF (P/FCF) is 27.55 and trailing twelve-month FCF is $783,000,000 (FCF per share = $0.725).
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score. The argument is shown, not hidden, so you can judge the reasoning yourself.
SEC-filed quarterly results show a multiyear pattern of rising revenues and improving EPS alongside a declining share count, which together increase earnings per share capacity and are direct, high-strength disclosures. Institutional ownership is large and diversified and the company is included in broad ETFs, supporting demand-side depth (moderate-strength evidence from holdings and ETF membership). Valuation metrics in the dataset (trailing P/E ~12.2, TTM FCF and P/FCF) and a 4.11% trailing dividend yield provide observable market-level context that can be read as favorable from an income/valuation viewpoint (market data of moderate strength). The increases in assets and liabilities are reported on the balance sheet (strong evidence), which offsets but does not eliminate concerns about rising long-term debt; these debt and risk-disclosure items are contestable because they coexist with rising assets and tangible cash-flow metrics. Overall, the jointly supporting claims present a favorable fundamental and ownership picture based on filed results and market metrics, while the strongest bear points (insider sales, rising debt, deposit and AI risk disclosures, and short-term negative momentum) are weaker when weighed against the direct SEC revenue/EPS/share-count evidence and institutional holdings.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.37
34 surviving claims rest on 14 distinct sources; the heaviest analyst carries 24% of them, and 97% of what the desk raised survived the debate.
The surviving set rests on a modest number of distinct sources with one analyst accounting for nearly a quarter of the claims, and almost all raised points survived debate. That pattern implies the read is informative but not highly robust: source concentration and analyst dependence mean a few new documents or a single re-interpretation could change conclusions. Treat the results as a reasonably coherent but somewhat fragile evidence bundle rather than as heavily corroborated consensus.
Peer context · computed, not argued
12-1 momentum ranks 3rd of 7 in Banks—Regional (as of 2026-10-09).
6-month relative strength ranks 7th of 7 in Banks—Regional (as of 2026-10-09).
90-day volatility ranks 4th of 7 in Banks—Regional (as of 2026-10-09).
dividend yield ranks 2nd of 7 in Banks—Regional (as of 2026-10-09).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment. When the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here (no outside knowledge, no browsing), and each card shows who read it and what it contributed to the score.
11 filings· 2 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data, not retyped or estimated.
Read by Mercer+0.5 to the score
13 documents· 3 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes−0.7 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash−0.2 to the score
3 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.6 to the score
19 filings· 2 cited
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state, with stated and inferred flags kept apart.
Read by Talbot−1.2 to the score
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only; it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal; the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
The full terminal on KEY Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Get this for the names you actually hold
Every name in your portfolio, researched the same way, plus the one thing no sample can show: how each one sits inside what you already own.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.