NYSE$KEY

KeyCorp · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Reported a net income of $266 million, driven by focus on relationships and balance sheet optimization.

KeyCorp reported a net income of $266 million, or $0.29 per diluted common share, for Q3 2023. The results reflect continued momentum, supported by a strong balance sheet and disciplined risk management. Key's Common Equity Tier 1 ratio increased to 9.8% through proactive balance sheet management. Credit quality remained solid with net charge-offs to average loans at 24 basis points.

  • Net income from continuing operations attributable to Key common shareholders was $266 million, or $.29 per diluted common share.
  • Common Equity Tier 1 ratio increased by 50 basis points to 9.8%.
  • Average deposits increased by $2 billion compared to the prior quarter.
  • Net charge-offs to average loans remained low at 24 basis points.

Headline financials

Total Revenue

$1.57B

Previous: $1.89B-17.0%
EPS (adj)

$0.29

Previous: $0.55-47.3%
CET1 Ratio

9.8%

Previous: 9.1%+7.7%
Free Cash Flow

$303M

Previous: $542M-44.1%
Net Income

$303M

Previous: $542M-44.1%
Operating Income

$58M

Previous: $1.19B-95.1%
Gross Profit

$1.49B

Previous: $1.78B-16.4%
Cash & Equivalents

$766M

Previous: $717M+6.8%
Total Assets

$188B

Previous: $190B-1.2%
Stock-Based Comp

$27M

Previous: $30M-10.0%

Revenue & EPS history

KeyCorp · Revenue · Quarterly

$1.57B

Q3 2023-17%vs Q3 2022
Beat estimate in 6 of 15 quarters(40%)
ActualEstimate

Revenue by segment

KeyCorp · $1.57B total across 3 segments · Q3 2023

  • Consumer Bank
    $791M-11.2%
  • Commercial Bank
    $790M-11.1%
  • Other
    -$15M-114.2%

Forward guidance

KeyCorp remains committed to strengthening both capital and liquidity, managing risk, and improving earnings while continuing to invest.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2023

Historical avgQ3 2023

-0.4%

Avg return

Earnings day

-0.0%

Avg return

5 days after

+3.1%

Avg return

30 days after

49%

36 / 73 earnings

Positive

+8.2%

Q3 2016

Best reaction

-9.4%

Q2 2009

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2025-0.3%+2.5%-2.4%
Q1 2026-0.4%+2.5%-2.4%
Q3 2025-5.5%-1.1%-0.6%
Q2 2025+0.4%-0.4%+4.6%
Q1 2025+1.4%+0.7%+18.2%
Q4 2024-5.5%-3.4%-3.9%
Q3 2024-2.0%-3.0%+8.2%
Q2 2024-3.8%-2.2%+1.1%
Q1 2024+1.4%+2.0%+6.7%
Q4 2023+0.7%+4.1%+1.7%
Q3 2023-7.4%-8.1%+15.4%
Q2 2023+0.2%+1.8%-5.1%
Q1 2023-6.4%-15.3%-20.7%
Q4 2022+1.2%+4.0%+11.1%
Q3 2022+2.5%+7.8%+12.9%
Q2 2022-0.6%-2.8%+6.4%
Q1 2022-4.8%-8.5%-15.8%
Q4 2021-3.1%-2.7%+0.2%
Q3 2021+1.3%+0.7%-1.5%
Q2 2021+5.0%+3.3%+6.8%
Q1 2021+0.1%+1.7%+11.8%
Q4 2020-0.5%-4.5%+10.2%
Q3 2020+0.0%-0.6%+17.2%
Q2 2020+2.2%-0.4%-1.6%
Q1 2020+4.8%+0.1%-5.7%
Q4 2019-1.7%-2.7%+0.3%
Q3 2019+0.5%+2.5%+7.2%
Q2 2019+6.2%+6.6%-4.6%
Q1 2019-1.0%+0.1%-2.4%
Q4 2018+0.6%+0.9%+4.5%
Q3 2018-4.8%-7.5%-2.4%
Q2 2018+1.1%+3.2%+6.4%
Q1 2018+5.2%+6.4%+7.3%
Q4 2017-0.5%+1.6%-1.1%
Q3 2017-0.5%-0.6%-1.5%
Q2 2017-5.5%-3.1%-7.8%
Q1 2017+4.5%+7.2%+2.1%
Q4 2016-1.5%-0.4%+4.6%
Q3 2016+8.2%+7.4%+33.7%
Q2 2016-0.9%+0.2%+5.0%
Q1 2016+3.6%
Q4 2015+1.1%
Q3 2015+3.9%
Q2 2015-2.3%
Q1 2015-0.7%
Q4 2014+7.6%
Q3 2014-5.4%
Q2 2014-3.5%
Q1 2014+0.9%
Q4 2013-8.6%
Q3 2013+5.8%
Q2 2013+3.3%
Q1 2013-1.3%
Q4 2012-0.1%
Q3 2012+3.9%
Q4 2011+3.4%
Q2 2012+0.8%
Q1 2012-1.5%
Q3 2011+2.5%
Q2 2011-8.5%
Q1 2011+0.2%
Q4 2009+1.1%
Q4 2010+1.1%
Q3 2010-1.2%
Q2 2010-1.1%
Q1 2009-7.7%
Q1 2010+0.5%
Q4 2007-1.5%
Q3 2009+5.8%
Q3 2008+5.8%
Q2 2008-9.4%
Q2 2009-9.4%
Q4 2008-9.4%

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