KeyCorp (KEY)vsPNC Financial Services Group Inc (PNC)
KEY
KeyCorp
$21.60
-0.41%
FINANCIAL SERVICES · Cap: $23.52B
PNC
PNC Financial Services Group Inc
$216.85
-1.11%
FINANCIAL SERVICES · Cap: $88.06B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 220% more annual revenue ($23.04B vs $7.20B). PNC leads profitability with a 31.3% profit margin vs 27.0%. PNC appears more attractively valued with a PEG of 1.71. PNC earns a higher WallStSmart Score of 75/100 (B).
KEY
Strong Buy75
out of 100
Grade: B
PNC
Strong Buy75
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 35.8%
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 30.3% YoY
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 1.9B in free cash flow
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
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 27.0% and operating margin at 35.8%. Revenue growth of 11.8% 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 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bear Case : KEY
The primary concerns for KEY are PEG Ratio, Free Cash Flow, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
KEY carries more volatility with a beta of 1.05 — expect wider price swings.
PNC is growing revenue faster at 13.8% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
KEY scores higher overall (75/100 vs 75/100), backed by strong 27.0% margins and 11.8% 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.
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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