Quick read
Fair Value Engine
Decision-focused synthesis of expected stock prices combining relative peer multiples and intrinsic models.
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot
KEY stock price vs C: inconclusive
Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Price gap
N/A
Coverage
Medium · 60%
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Quick read
Decision-focused synthesis of expected stock prices combining relative peer multiples and intrinsic models.
Metric-by-metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
| Metric | KEY | C | Spread |
|---|---|---|---|
Price / Book | N/M | N/M | Insufficient data No additional context |
Price / Tangible Book | N/M | N/M | Insufficient data No additional context |
Return on Equity | 9.0% | 6.7% | KEY leads by 33.2% Higher Return on Equity |
Return on Assets | 1.0% | 0.5% | KEY leads by 84.2% Higher Return on Assets |
Efficiency ratio | 65.2% | 61.3% | C leads by 6.4% Lower Efficiency ratio |
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
| Metric | KEY | Delta vs C | C |
|---|---|---|---|
| Revenue | $7.51B | 91.2% lower | $85.23B |
| Operating / pretax income | — | N/A | $19.68B |
| Net income | $1.83B | 87.2% lower | $14.31B |
| EPS | 1.5 | 78.3% lower | 7.0 |
| Revenue growth | 62.7% | 1144.2% higher | 5.0% |
| Operating / pretax margin | — | N/A | 23.1% |
| Net margin | 24.3% | 45.0% higher | 16.8% |
| Return on equity | 9.0% | 33.2% higher | 6.7% |
| Return on assets | 1.0% | 84.2% higher | 0.5% |
| Efficiency ratio | 65.2% | 6.4% higher | 61.3% |
Trendline
Track multi-year revenue, earnings, and margin direction before underwriting a rerating.
Price framework
For bank comparisons, book value, tangible book, and profitability are better anchors than enterprise value.
Price framework
Baseline discounted cash flow model estimating total intrinsic firm value first, then bridging to an implied stock price per share.
Risk control
Financial health checks to separate durable balance sheets from potential value traps.
Comparable set
Place both banks in context relative to a wider peer set using equity multiples, returns, and efficiency.
LLM-powered Synthesis
KEY screens modestly cheap versus its implied P/E value and trades within its historical band, but the comparison with C is mixed because KEY has stronger recent growth and lower leverage while C has higher-scale profitability and a richer market multiple.
If you believe KEY can sustain its recent revenue growth while maintaining its 7/9 quality score, then a selective long position is reasonable because KEY trades at a lower P/E than C and still sits below its implied P/E value.
KEY’s current price of $23.09 sits below the implied P/E price of $29.93, suggesting about 29.6% upside on that framework. However, the stock is already trading inside its historical band of $20.78 to $25.40, so the discount looks meaningful versus implied valuation but not extreme versus its own trading history.
Supporting Metrics