KeyCorp (KEY) Q3 2025 10-Q Quarterly Report
KeyCorp (KEY) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 4, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
KeyCorp Q3 2025 10-Q Analysis
Management Discussion & Analysis
- • Revenue $1.19B Q3 2025, up $229M (24%) YoY; net interest margin 2.75% Q3 2025 vs 2.17% Q3 2024 (+58bps)
- • Net income from continuing operations $454M Q3 2025 vs net loss $447M Q3 2024; Consumer Bank income $152M (+103%), Commercial Bank $367M (+23%)
- • Commercial Bank best performing segment: net interest income +27.6%, net income $367M vs $299M YoY; Consumer Bank loans down 7.7%, deposits +1.5%
- • Cash and due from banks $1.94B up vs $1.74B Dec 2024; operating cash flow +$1.49B for nine months 2025; capital: CET1 ratio 11.83%, up 100bps YoY
- • Outlook: FY2025 net interest income up 22% (prior 20-22%), net interest margin 2.75%-2.8% in Q4, adjusted noninterest income +5-6%, expense +~4%, NCOs 40-45bps guidance retained
Risk Factors
- • No material changes to risk factors from 2024 Form 10-K
- • Continued exposure to regulatory and compliance risks detailed in 2024 10-K pp. 24-42
- • Operational risks linked to market volatility and economic conditions carried forward from 2024 10-K
- • Financial risks including liquidity, debt maturity, and credit risk unchanged since 2024 10-K
KeyCorp Q3 2025 Quarterly FinancialsXBRL
Revenue
$434M
▲ +3.6% YoY▲ +1.6% QoQ
Net Income
$489M
▲ +219.3% YoY▲ +15.1% QoQ
Net Margin
112.7%
▲ +21052bp YoY▲ +1314bp QoQ
Source: XBRL data from KeyCorp Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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