KeyCorp (KEY)vsLloyds Banking Group PLC ADR (LYG)
KEY
KeyCorp
$22.73
+0.31%
FINANCIAL SERVICES · Cap: $24.22B
LYG
Lloyds Banking Group PLC ADR
$6.28
+1.45%
FINANCIAL SERVICES · Cap: $90.28B
Smart Verdict
WallStSmart Research — data-driven comparison
Lloyds Banking Group PLC ADR generates 167% more annual revenue ($19.69B vs $7.37B). KEY leads profitability with a 27.5% profit margin vs 26.4%. LYG appears more attractively valued with a PEG of 0.76. KEY earns a higher WallStSmart Score of 77/100 (B+).
KEY
Strong Buy77
out of 100
Grade: B+
LYG
Strong Buy70
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 34.9%
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 25.3% YoY
Reasonable price relative to book value
Strong operational efficiency at 45.0%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : KEY
The strongest argument for KEY centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.9%. Revenue growth of 10.1% demonstrates continued momentum.
Bull Case : LYG
The strongest argument for LYG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.4% and operating margin at 45.0%. Revenue growth of 12.3% demonstrates continued momentum.
Bear Case : KEY
The primary concerns for KEY are PEG Ratio, Free Cash Flow, Altman Z-Score.
Bear Case : LYG
No major red flags identified for LYG, but monitor valuation.
Key Dynamics to Monitor
KEY carries more volatility with a beta of 1.02 — expect wider price swings.
LYG is growing revenue faster at 12.3% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
KEY scores higher overall (77/100 vs 70/100), backed by strong 27.5% margins and 10.1% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
KeyCorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
KeyBank, the primary subsidiary of KeyCorp, is a regional bank headquartered in Cleveland.
Lloyds Banking Group PLC ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lloyds Banking Group plc, offers a range of banking and financial services in the UK and internationally. The company is headquartered in London, the United Kingdom.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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