KEY vs. PNC: KeyCorp vs. PNC Financial Services Stock Comparison
How do KeyCorp (KEY) and PNC Financial Services (PNC) 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 PNC Financial Services (PNC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | KEY | PNC |
|---|---|---|
| Name | KeyCorp | The PNC Financial Services Group, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 22.02 billion USD | 89.43 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 5, 1987 | November 17, 1975 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | KEY | PNC |
|---|---|---|
| Total Return (1Y) | 24.10% | 30.50% |
| Total Return (3Y, Annualized) | 31.53% | 29.46% |
| Total Return (5Y, Annualized) | 3.00% | 6.26% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | KEY | PNC |
|---|---|---|
| Volatility (1Y, Annualized) | 23.07% | 21.60% |
| Beta (5Y) | 1.06 | 0.90 |
| Max Drawdown (5Y) | -65.23% | -47.98% |
| Avg. Volume (3M) | 14.36M | 1.77M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | KEY | PNC |
|---|---|---|
| Sharpe Ratio (1Y) | 0.86 | 1.21 |
| Sortino Ratio (1Y) | 1.25 | 1.77 |
Profitability
ROE (TTM)
Both KeyCorp (KEY) at 11.17% and PNC Financial Services (PNC) at 13.10% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
KEY
Banks industry group
11.17%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- KEY
- 11.17%
- Q1
- 9.50%
- Min
- 3.64%
PNC
Banks industry group
13.10%
- Max
- 19.84%
- Q3
- 13.67%
- PNC
- 13.10%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Both KeyCorp (KEY) at 27.99% and PNC Financial Services (PNC) at 31.68% 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%
PNC
Banks industry group
31.68%
- Max
- 47.19%
- Q3
- 35.25%
- PNC
- 31.68%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for KeyCorp (KEY) in Banks and PNC Financial Services (PNC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | KEY | PNC |
|---|---|---|
| ROE (TTM) | 11.17% | 13.10% |
| ROA (TTM) | 1.11% | 1.33% |
| Net Margin (TTM) | 27.99% | 31.68% |
| 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 PNC Financial Services (PNC) at 10.90%, which is closer to a typical peer reading.
EPS Growth
Only one side can be read here: PNC Financial Services (PNC) reports EPS growth of 20.74%, ranked against its industry; KeyCorp (KEY) has no EPS growth figure this period.
Growth Metrics
| Metric | KEY | PNC |
|---|---|---|
| Revenue Growth (YoY) | 65.72% | 10.90% |
| Revenue Growth (3Y CAGR) | 1.21% | 3.01% |
| EPS Growth (YoY) | -- | 20.74% |
| EPS Growth (3Y CAGR) | -7.65% | 6.20% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: KeyCorp (KEY) in Banks and PNC Financial Services (PNC) 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 PNC Financial Services (PNC) 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
| Metric | KEY | PNC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
KeyCorp (KEY) at 3.91% delivers top-quartile income for its industry, while PNC Financial Services (PNC) at 3.13% pays a more typical yield — both are credible income propositions, KEY the richer one.
KEY
Banks industry group
3.91%
- Max
- 5.79%
- KEY
- 3.91%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
PNC
Banks industry group
3.13%
- Max
- 5.79%
- Q3
- 3.18%
- PNC
- 3.13%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
PNC Financial Services (PNC) at 37.81% pays out a band-typical share of earnings, while KeyCorp (KEY) at 45.05% distributes more than its industry norm — less retained, thinner cover.
KEY
Banks industry group
45.05%
- Max
- 70.75%
- KEY
- 45.05%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
PNC
Banks industry group
37.81%
- Max
- 70.75%
- Q3
- 41.28%
- PNC
- 37.81%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | KEY | PNC |
|---|---|---|
| Dividend Yield (TTM) | 3.91% | 3.13% |
| Dividend Payout Ratio (TTM) | 45.05% | 37.81% |
Valuation
P/E Ratio (TTM)
Both KeyCorp (KEY) at 11.46 and PNC Financial Services (PNC) at 12.00 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
KEY
Banks industry group
11.46
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- KEY
- 11.46
- Q1
- 10.64
- Min
- 6.49
PNC
Banks industry group
12.00
- Max
- 18.16
- Q3
- 13.75
- PNC
- 12.00
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both KeyCorp (KEY) in Banks and PNC Financial Services (PNC) 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)
KeyCorp (KEY) at 1.39 is valued about in line with its industry on P/B ratio, while PNC Financial Services (PNC) at 1.59 carries an above-peer premium to book — PNC is pricier on assets.
KEY
Banks industry group
1.39
- Max
- 2.28
- Q3
- 1.58
- KEY
- 1.39
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
PNC
Banks industry group
1.59
- Max
- 2.28
- PNC
- 1.59
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | KEY | PNC |
|---|---|---|
| P/E Ratio (TTM) | 11.46 | 12.00 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.39 | 1.59 |
| Free Cash Flow Yield (TTM) | -- | -- |