KEY KeyCorp
FY2025 10-K
KeyCorp (KEY) filed its fiscal year 2025 10-K annual report with the SEC on Feb 23, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
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
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
Financial SummaryXBRL
Revenue
$1.7B
Net Income
$1.8B
Net Margin
104.6%
ROE
9.0%
Total Assets
$184.4B
EPS (Diluted)
$1.52
Operating Cash Flow
$2.2B
Source: XBRL data from KeyCorp FY2025 10-K filing on SEC EDGAR. All figures in USD.
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