KEY at a glance
KeyCorp (KEY, SEC CIK 91576) filed its latest 10-K annual report on February 23, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on September 25, 2026 and Form 4 insider filings as recently as October 2, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), KeyCorp (KEY) reported revenue of $1.7 billion (up 6.5% from FY2024) and net income of $1.8 billion. Diluted EPS was $1.52.
- As of June 30, 2026, 44 institutional investment managers tracked by SignalX reported holding KeyCorp (KEY) shares worth $10.2 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Ramani Mohit on July 22, 2026 of 25,000 shares at $22.74 per share.
- In the last 90 days, KEY insiders reported 0 open-market purchases ($0) and 1 open-market sale ($569K) on Form 4, a net sale of $569K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.7B
- +6.5% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$569K
- 13F holders
- 44 funds
- $10.2B · +3 vs prior quarter
- Latest 8-K
- Sep 25, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Risk Factors
- Commercial loan concentration: ~72% of loan portfolio in C&I, CRE, and commercial leases as of Dec 31, 2025; elevated loss risk if market deteriorates
- Scotiabank holds ~14.9% of KeyCorp common shares with rights to designate up to two Board directors, creating governance influence and takeover deterrence risk
- Tariffs, Russia-Ukraine/Israel-Hamas wars, and potential China recession cited as concrete threats to collateral values and borrower supply chains
- Cybersecurity exposure amplified by third-party downstream vendors; Key unable to monitor or control their safeguards, and past DDoS/breach incidents already occurred
- Category IV bank ($100B–$250B assets) currently exempt from certain capital/liquidity standards under Dodd-Frank, but regulatory tailoring may tighten, raising compliance costs
Management Discussion & Analysis
- Revenue (TE) $7,513M in 2025; NII (TE) up $861M YoY to $4,671M; net interest margin 2.69% vs 2.16% in 2024
- Return on avg tangible common equity 11.85% vs -3.03% in 2024; effective tax rate 20.7% vs 46.6% in 2024
- Best segment: Commercial Bank net income $1,447M, up 32.6% YoY; Consumer Bank net income $527M, up 110.0% YoY
- Capital allocation: $0.82/share annual dividend; $1.0B buyback authorized, 11.1M shares repurchased in Q4 2025; CET1 ratio 11.78%
- 2026 guidance: revenue (TE) up ~7% to ~$8.0B; NII up 8-10%; medium-term target ROTCE 15%+ and NIM 3.25%+ by end of 2027
Business Overview
- Diversified bank-based financial services via Consumer Bank and Commercial Bank segments; $184.4B total assets at Dec 31, 2025
- Voluntary employee turnover fell to 12.7% in 2025 vs 13.2% in 2024 and 5-year average of 15.3%; workforce of 17,883
- CET1 ratio of 11.78% vs regulatory minimum of 7.70%, with stress capital buffer set at 3.20% effective Oct 1, 2025
- CFPB dismantlement efforts by current administration a key regulatory wildcard; Key actively monitoring multiple active court cases
- OCC proposed raising Heightened Standards threshold to $700B assets (Dec 2025), which would exempt KeyBank from current governance mandates
AI summary of the KEY 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net interest income $1,250M, up from $1,141M YoY
- Net income attributable to common shareholders $473M vs $389M YoY
- Return on average tangible common equity 12.9% vs 11.1% YoY
- Net loan charge-offs $115M vs $102M YoY; charge-off ratio 0.42% vs 0.39%
- Nonperforming assets $818M vs $707M YoY, driven by select commercial exposures and multifamily real estate
Risk Factors
- No risk-factors section provided; submitted text covers share repurchases and exhibits
- Capital allocation risk: $3.0 billion authorization replaced prior $1.0 billion program
- Liquidity and regulatory risk: repurchase timing constrained by capital requirements and regulatory limitations
- Shareholder concentration risk: Scotiabank entitled to pro-rata participation through periodic true-ups
- Execution risk: $341 million repurchased in second-quarter 2026, including $49 million from Scotiabank
AI summary of the KEY 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- KeyCorp posted an investor presentation on September 25, 2026
- Presentation available as Exhibit 99.1 and through KeyCorp’s Investor Relations website
Item 7.01: Regulation FD Disclosure
- Management review of performance, strategy, and outlook scheduled for September 14, 2026
- Presentation slides attached as Exhibit 99.1 and posted on KeyCorp’s investor-relations website
Item 8.01: Other Events
- KeyCorp plans to redeem all 525,000 Series D preferred depositary shares on September 15, 2026
- Redemption covers $525 million aggregate liquidation preference and 21,000 preferred shares
Item EX-99.1: Item EX-99.1
- Redemption of all 525,000 Series D depositary shares scheduled for September 15, 2026
- $525 million aggregate liquidation preference being retired, reducing outstanding preferred capital
AI summaries of KEY 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for KEY
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Snyder Barbara R | M | Oct 1, 2026 | 1,417 | - |
| Snyder Barbara R | M | Oct 1, 2026 | 1,417 | - |
| Snyder Barbara R | M | Oct 1, 2026 | 1,526 | - |
| Snyder Barbara R | M | Oct 1, 2026 | 1,526 | - |
| VASOS TODD J | A | Sep 30, 2026 | 1,930 | - |
| Rankin Devina A | A | Sep 30, 2026 | 1,557 | - |
| CUTLER ALEXANDER M | A | Sep 30, 2026 | 840 | - |
| Hayes Robin | A | Sep 30, 2026 | 1,557 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $1.4B | $1.6B | $1.7B | |
| Net Income | $967.0M | -$161.0M | $1.8B | |
| Net Margin | 67.4% | -9.8% | 104.6% | |
| Balance Sheet | ||||
| Total Assets | $188.3B | $187.2B | $184.4B | |
| Equity | $14.6B | $18.2B | $20.4B | |
| ROE | 6.6% | -0.9% | 9.0% | |
| Per Share | ||||
| EPS | $0.88 | $-0.32 | $1.52 | |
| Cash Flow | ||||
| Operating CF | $2.9B | $664.0M | $2.2B | |
Source: XBRL data in KeyCorp (KEY)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate KEY share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 44 | $10.17B |
| Q1 2026 | 41 | $8.64B |
| Q4 2025 | 42 | $9.65B |
| Q3 2025 | 44 | $9.34B |
| Q2 2025 | 42 | $8.63B |
| Q1 2025 | 35 | $5.71B |
| Q4 2024 | 33 | $4.80B |
| Q3 2024 | 30 | $1.84B |
- State Street Corp+4.24M (+9%)
- FMR LLC (Fidelity)+3.54M (+8%)
- JPMorgan Chase & Co+2.34M (+65%)
- Invesco Ltd+1.65M (+9%)
- T. Rowe Price Group+1.25M (+8%)
- Two Sigma Investments−2.01M (-37%)
- AQR Capital Management−1.22M (-16%)
- Wells Fargo & Co−925.0K (-40%)
- Ameriprise Financial−880.8K (-54%)
- Northern Trust−872.7K (-9%)
- Renaissance Technologies LLC−376.7K
Source: 13F-HR filings on SEC EDGAR (aggregated from 311 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
KEY filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 8-K | Sep 25, 2026 | - | Analysis | - |
| 4 | Sep 23, 2026 | - | - | - |
| 8-K | Sep 14, 2026 | - | Analysis | - |
| 8-K | Aug 14, 2026 | - | Analysis | - |
| 10-Q | Aug 4, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jul 24, 2026 | - | - | - |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 4 | Jul 7, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jun 30, 2026 | - | - | - |
| 4 | Jun 24, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
| 8-K | Jun 10, 2026 | - | Analysis | |
| 4 | Jun 9, 2026 | - | - | |
| 4 | Jun 5, 2026 | - | - | |
| 8-K | Jun 3, 2026 | - | Analysis |
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KEY SEC filings: frequently asked questions
Are KEY insiders buying or selling?
In the last 90 days, KeyCorp (KEY) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $568,500 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold KEY stock?
As of June 30, 2026, the largest KeyCorp (KEY) holders among the 13F filers tracked by SignalX were BlackRock ($2.0 billion), Vanguard Capital Management LLC ($1.5 billion), Vanguard Portfolio Management LLC ($1.2 billion), State Street Corp ($1.2 billion), FMR LLC (Fidelity) ($1.2 billion). 13F-HR reports are filed up to 45 days after each quarter ends.
What was KEY's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), KeyCorp (KEY) reported revenue of $1.7 billion (up 6.5% from FY2024) and net income of $1.8 billion. Diluted EPS was $1.52. The figures come from the XBRL data in the 10-K.
What are the main risks in KEY's latest 10-K?
In the 10-K filed February 23, 2026, KeyCorp (KEY) flagged: Commercial loan concentration: ~72% of loan portfolio in C&I, CRE, and commercial leases as of Dec 31, 2025; elevated loss risk if market deteriorates. Scotiabank holds ~14.9% of KeyCorp common shares with rights to designate up to two Board directors, creating governance influence and takeover deterrence risk. (AI summary of the Risk Factors section.)
What did KEY report in its latest 8-K?
KeyCorp (KEY) filed an 8-K on September 25, 2026 reporting Item 7.01 (Regulation FD Disclosure). KeyCorp posted an investor presentation on September 25, 2026.
What are the latest KEY SEC filings?
KeyCorp (KEY) filed its latest 10-K annual report on February 23, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on September 25, 2026 and a Form 4 insider filing on October 2, 2026.
What is KEY's SEC CIK number?
KeyCorp (KEY)'s SEC Central Index Key (CIK) is 91576. EDGAR lists every KEY filing under that number.
Ask anything about KEY
The research agent reads KEY's filings, financials, insider trades and 13F holders, then answers with sources.