KeyCorp (KEY)vsWells Fargo & Company (WFC)
KEY
KeyCorp
$22.73
+0.31%
FINANCIAL SERVICES · Cap: $24.22B
WFC
Wells Fargo & Company
$87.24
+0.18%
FINANCIAL SERVICES · Cap: $267.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 1026% more annual revenue ($83.03B vs $7.37B). KEY leads profitability with a 27.5% profit margin vs 27.2%. WFC appears more attractively valued with a PEG of 1.63. KEY earns a higher WallStSmart Score of 77/100 (B+).
KEY
Strong Buy77
out of 100
Grade: B+
WFC
Strong Buy76
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
Mega-cap, among the largest globally
Strong operational efficiency at 37.4%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 25.0% YoY
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
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 : WFC
The strongest argument for WFC centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%.
Bear Case : KEY
The primary concerns for KEY are PEG Ratio, Free Cash Flow, Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
KEY carries more volatility with a beta of 1.02 — expect wider price swings.
KEY is growing revenue faster at 10.1% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
KEY scores higher overall (77/100 vs 76/100), 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.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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