KeyCorp (KEY)vsPNC Financial Services Group Inc (PNC)
KEY
KeyCorp
$20.00
+0.91%
FINANCIAL SERVICES · Cap: $21.79B
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 219% more annual revenue ($22.32B vs $7.01B). PNC leads profitability with a 31.1% profit margin vs 26.1%. KEY appears more attractively valued with a PEG of 1.89. KEY earns a higher WallStSmart Score of 81/100 (A-).
KEY
Exceptional Buy81
out of 100
Grade: A-
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.3%
Fair Value
$71.14
Current Price
$20.00
$51.14 discount
Margin of Safety
+73.5%
Fair Value
$776.41
Current Price
$205.95
$570.46 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 33.6%
Revenue surging 131.5% year-over-year
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 40.1% YoY
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.3%
Large-cap with strong market position
Attractively priced relative to earnings
Earnings expanding 29.1% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : KEY
The strongest argument for KEY centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 26.1% and operating margin at 33.6%. Revenue growth of 131.5% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.1% and operating margin at 39.3%.
Bear Case : KEY
The primary concerns for KEY are PEG Ratio, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
KEY profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
KEY carries more volatility with a beta of 1.09 — expect wider price swings.
KEY is growing revenue faster at 131.5% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
KEY scores higher overall (81/100 vs 73/100), backed by strong 26.1% margins and 131.5% revenue growth. PNC offers better value entry with a 73.5% margin of safety. Both earn "Exceptional 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.
PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
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