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KEY vs. LYG: KeyCorp vs. Lloyds Banking Stock Comparison

How do KeyCorp (KEY) and Lloyds Banking (LYG) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

KeyCorp (KEY) and Lloyds Banking (LYG) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

KeyCorp (KEY) trades as ordinary local shares, while Lloyds Banking (LYG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile comparison for KeyCorp (KEY) and Lloyds Banking (LYG)
Profile ItemKEYLYG
NameKeyCorpLloyds Banking Group plc ADR
Country/RegionUnited StatesUnited Kingdom
GICS SectorFinancialsFinancials
GICS Industry GroupBanksBanks
GICS IndustryBanksBanks
GICS Sub-IndustryDiversified BanksDiversified Banks
Market Capitalization22.02 billion USD72.69 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateNovember 5, 1987November 28, 2001
Security TypeCommon StockADR

Price Performance

Cumulative Growth

KEY
LYG
GSPC
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KeyCorp (KEY) vs. Lloyds Banking (LYG), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for KeyCorp (KEY) and Lloyds Banking (LYG). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for KeyCorp (KEY) and Lloyds Banking (LYG). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for KeyCorp (KEY) and Lloyds Banking (LYG)
MetricKEYLYG
Total Return (1Y)24.10%12.27%
Total Return (3Y, Annualized)31.53%43.57%
Total Return (5Y, Annualized)3.00%20.88%

Risk Profile

Drawdown History

KEY
LYG
GSPC
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KeyCorp (KEY) vs. Lloyds Banking (LYG), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for KeyCorp (KEY) and Lloyds Banking (LYG). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for KeyCorp (KEY) and Lloyds Banking (LYG)
MetricKEYLYG
Volatility (1Y, Annualized)23.07%30.68%
Beta (5Y)1.060.88
Max Drawdown (5Y)-65.23%-40.17%
Avg. Volume (3M)14.36M16.52M

Risk-Adjusted Performance

Risk-Return Positioning

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KEY and LYG are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for KeyCorp (KEY) and Lloyds Banking (LYG)
MetricKEYLYG
Sharpe Ratio (1Y)0.860.26
Sortino Ratio (1Y)1.250.39

Profitability

ROE (TTM)

Lloyds Banking (LYG) at 13.69% sits in the top ROE quartile, while KeyCorp (KEY) at 11.17% is closer to the peer norm — stronger capital efficiency for LYG.

KEY

Banks industry group

11.17%

Max
19.84%
Q3
13.67%
Median
11.49%
KEY
11.17%
Q1
9.50%
Min
3.64%

LYG

Banks industry group

13.69%

Max
19.84%
LYG
13.69%
Q3
13.67%
Median
11.49%
Q1
9.50%
Min
3.64%
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KeyCorp (KEY) vs. Lloyds Banking (LYG): A comparison of their ROE against the Banks industry group benchmark.

Net Margin (TTM)

Both KeyCorp (KEY) at 27.99% and Lloyds Banking (LYG) at 30.61% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

KEY

Banks industry group

27.99%

Max
47.19%
Q3
35.25%
Median
31.21%
KEY
27.99%
Q1
27.11%
Min
14.93%

LYG

Banks industry group

30.61%

Max
47.19%
Q3
35.25%
Median
31.21%
LYG
30.61%
Q1
27.11%
Min
14.93%
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KeyCorp (KEY) vs. Lloyds Banking (LYG): A comparison of their net margin against the Banks industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for KeyCorp (KEY) in Banks and Lloyds Banking (LYG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for KeyCorp (KEY) and Lloyds Banking (LYG)
MetricKEYLYG
ROE (TTM)11.17%13.69%
ROA (TTM)1.11%0.65%
Net Margin (TTM)27.99%30.61%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

KeyCorp (KEY) at 65.72% clears its industry range for revenue growth, far stronger top-line momentum than Lloyds Banking (LYG) at 7.66%, which is closer to a typical peer reading.

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KeyCorp (KEY) vs. Lloyds Banking (LYG): A comparison of their Revenue Growth across different time periods.

EPS Growth

Only one side can be read here: Lloyds Banking (LYG) reports EPS growth of 11.29%, ranked against its industry; KeyCorp (KEY) has no EPS growth figure this period.

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KeyCorp (KEY) vs. Lloyds Banking (LYG): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for KeyCorp (KEY) and Lloyds Banking (LYG)
MetricKEYLYG
Revenue Growth (YoY)65.72%7.66%
Revenue Growth (3Y CAGR)1.21%7.66%
EPS Growth (YoY)--11.29%
EPS Growth (3Y CAGR)-7.65%-1.41%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: KeyCorp (KEY) in Banks and Lloyds Banking (LYG) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: KeyCorp (KEY) in Banks and Lloyds Banking (LYG) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for KeyCorp (KEY) and Lloyds Banking (LYG)
MetricKEYLYG
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

KeyCorp (KEY) at 3.91% offers top-quartile income, while Lloyds Banking (LYG) at 0.77% sits in the bottom quartile — a wide gap in cash returned to shareholders.

KEY

Banks industry group

3.91%

Max
5.79%
KEY
3.91%
Q3
3.18%
Median
2.39%
Q1
1.20%
Min
0.00%

LYG

Banks industry group

0.77%

Max
5.79%
Q3
3.18%
Median
2.39%
Q1
1.20%
LYG
0.77%
Min
0.00%
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KeyCorp (KEY) vs. Lloyds Banking (LYG): A comparison of their dividend yield against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

Both KeyCorp (KEY) at 45.05% and Lloyds Banking (LYG) at 41.85% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

KEY

Banks industry group

45.05%

Max
70.75%
KEY
45.05%
Q3
41.28%
Median
29.26%
Q1
18.98%
Min
0.00%

LYG

Banks industry group

41.85%

Max
70.75%
LYG
41.85%
Q3
41.28%
Median
29.26%
Q1
18.98%
Min
0.00%
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KeyCorp (KEY) vs. Lloyds Banking (LYG): A comparison of their payout ratio against the Banks industry group benchmark.

Dividend Metrics

Dividend metrics for KeyCorp (KEY) and Lloyds Banking (LYG)
MetricKEYLYG
Dividend Yield (TTM)3.91%0.77%
Dividend Payout Ratio (TTM)45.05%41.85%

Valuation

P/E Ratio (TTM)

Lloyds Banking (LYG) at 9.79 sits in the cheaper P/E ratio quartile, while KeyCorp (KEY) at 11.46 is closer to its industry’s usual earnings multiple — a discount for LYG, though growth and earnings durability still matter.

KEY

Banks industry group

11.46

Max
18.16
Q3
13.75
Median
11.81
KEY
11.46
Q1
10.64
Min
6.49

LYG

Banks industry group

9.79

Max
18.16
Q3
13.75
Median
11.81
Q1
10.64
LYG
9.79
Min
6.49
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KeyCorp (KEY) vs. Lloyds Banking (LYG): A comparison of their P/E ratio against the Banks industry group benchmark.

P/S Ratio (TTM)

P/S ratio is set aside for both KeyCorp (KEY) in Banks and Lloyds Banking (LYG) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

P/B Ratio (MRQ)

On P/B ratio, both KeyCorp (KEY) at 1.39 and Lloyds Banking (LYG) at 1.19 are valued close to their industries’ norm against book — neither stands out from peers.

KEY

Banks industry group

1.39

Max
2.28
Q3
1.58
KEY
1.39
Median
1.32
Q1
1.10
Min
0.59

LYG

Banks industry group

1.19

Max
2.28
Q3
1.58
Median
1.32
LYG
1.19
Q1
1.10
Min
0.59
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KeyCorp (KEY) vs. Lloyds Banking (LYG): A comparison of their P/B ratio against the Banks industry group benchmark.

Valuation Metrics

Valuation metrics for KeyCorp (KEY) and Lloyds Banking (LYG)
MetricKEYLYG
P/E Ratio (TTM)11.469.79
P/S Ratio (TTM)----
P/B Ratio (MRQ)1.391.19
Free Cash Flow Yield (TTM)----