KEY vs. TFC: KeyCorp vs. Truist Financial Stock Comparison
How do KeyCorp (KEY) and Truist Financial (TFC) 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 Truist Financial (TFC) both belong to the Banks industry, though KEY is classified under Diversified Banks while TFC falls under Regional Banks.
| Profile Item | KEY | TFC |
|---|---|---|
| Name | KeyCorp | Truist Financial Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 22.02 billion USD | 59.18 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 5, 1987 | March 18, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | KEY | TFC |
|---|---|---|
| Total Return (1Y) | 24.10% | 18.58% |
| Total Return (3Y, Annualized) | 31.53% | 25.74% |
| Total Return (5Y, Annualized) | 3.00% | -0.01% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | KEY | TFC |
|---|---|---|
| Volatility (1Y, Annualized) | 23.07% | 23.91% |
| Beta (5Y) | 1.06 | 0.88 |
| Max Drawdown (5Y) | -65.23% | -59.11% |
| Avg. Volume (3M) | 14.36M | 7.35M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | KEY | TFC |
|---|---|---|
| Sharpe Ratio (1Y) | 0.86 | 0.60 |
| Sortino Ratio (1Y) | 1.25 | 0.83 |
Profitability
ROE (TTM)
KeyCorp (KEY) at 11.17% is around its peer norm for ROE, while Truist Financial (TFC) at 8.16% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
KEY
Banks industry group
11.17%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- KEY
- 11.17%
- Q1
- 9.50%
- Min
- 3.64%
TFC
Banks industry group
8.16%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- TFC
- 8.16%
- Min
- 3.64%
Net Margin (TTM)
Both KeyCorp (KEY) at 27.99% and Truist Financial (TFC) at 28.38% 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%
TFC
Banks industry group
28.38%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- TFC
- 28.38%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for KeyCorp (KEY) in Banks and Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | KEY | TFC |
|---|---|---|
| ROE (TTM) | 11.17% | 8.16% |
| ROA (TTM) | 1.11% | 0.95% |
| Net Margin (TTM) | 27.99% | 28.38% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both KeyCorp (KEY) at 65.72% and Truist Financial (TFC) at 53.03% are expanding revenue faster than their entire industry benchmark ranges for revenue growth — exceptional top-line momentum on both sides, though growth that far above the peer range is worth checking for one-off boosts such as acquisitions.
EPS Growth
Only one side can be read here: Truist Financial (TFC) reports EPS growth of 13.69%, ranked against its industry; KeyCorp (KEY) has no EPS growth figure this period.
Growth Metrics
| Metric | KEY | TFC |
|---|---|---|
| Revenue Growth (YoY) | 65.72% | 53.03% |
| Revenue Growth (3Y CAGR) | 1.21% | 0.57% |
| EPS Growth (YoY) | -- | 13.69% |
| EPS Growth (3Y CAGR) | -7.65% | -4.82% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: KeyCorp (KEY) in Banks and Truist Financial (TFC) 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 Truist Financial (TFC) 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 | TFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both KeyCorp (KEY) at 3.91% and Truist Financial (TFC) at 4.17% offer top-quartile dividend income relative to share price within their industries.
KEY
Banks industry group
3.91%
- Max
- 5.79%
- KEY
- 3.91%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
TFC
Banks industry group
4.17%
- Max
- 5.79%
- TFC
- 4.17%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both KeyCorp (KEY) at 45.05% and Truist Financial (TFC) at 53.61% 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%
TFC
Banks industry group
53.61%
- Max
- 70.75%
- TFC
- 53.61%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | KEY | TFC |
|---|---|---|
| Dividend Yield (TTM) | 3.91% | 4.17% |
| Dividend Payout Ratio (TTM) | 45.05% | 53.61% |
Valuation
P/E Ratio (TTM)
Both KeyCorp (KEY) at 11.46 and Truist Financial (TFC) at 12.73 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
TFC
Banks industry group
12.73
- Max
- 18.16
- Q3
- 13.75
- TFC
- 12.73
- 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 Truist Financial (TFC) 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)
Truist Financial (TFC) at 1.06 sits in the lower P/B ratio quartile against book while KeyCorp (KEY) at 1.39 is valued near its industry’s middle — TFC is cheaper on assets, though weigh it against ROE and asset quality.
KEY
Banks industry group
1.39
- Max
- 2.28
- Q3
- 1.58
- KEY
- 1.39
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
TFC
Banks industry group
1.06
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- TFC
- 1.06
- Min
- 0.59
Valuation Metrics
| Metric | KEY | TFC |
|---|---|---|
| P/E Ratio (TTM) | 11.46 | 12.73 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.39 | 1.06 |
| Free Cash Flow Yield (TTM) | -- | -- |