KEY vs. CFG

Last updated Apr 1, 2026

Compare and contrast key facts about KeyCorp (KEY) and Citizens Financial Group, Inc. (CFG).

Performance

KEY vs. CFG - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in KeyCorp (KEY) and Citizens Financial Group, Inc. (CFG). The values are adjusted to include any dividend payments, if applicable.

KEY vs. CFG - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
KEY KeyCorp	-1.90%	26.22%	25.34%	-11.53%	-21.69%	45.92%	-14.50%	42.72%	-24.61%	12.74%
CFG Citizens Financial Group, Inc.	3.39%	38.60%	38.01%	-11.01%	-13.37%	37.02%	-6.73%	41.84%	-27.44%	19.91%

Fundamentals

Market Cap KEY : $21.96B CFG : $26.12B
EPS KEY : $1.66 CFG : $4.20
PE Ratio KEY : 12.04 CFG : 14.27
PS Ratio KEY : 1.97 CFG : 2.34
PB Ratio KEY : 1.23 CFG : 1.08
Total Revenue (TTM) KEY : $11.19B CFG : $11.15B
Gross Profit (TTM) KEY : $6.97B CFG : $7.78B
EBITDA (TTM) KEY : $2.32B CFG : $2.69B

Returns By Period

In the year-to-date period, KEY achieves a -1.90% return, which is significantly lower than CFG's 3.39% return. Over the past 10 years, KEY has underperformed CFG with an annualized return of 10.69%, while CFG has yielded a comparatively higher 15.08% annualized return.

KEY

• 1D: 3.35%
• 1M: -2.37%
• YTD: -1.90%
• 6M: 9.54%
• 1Y: 31.13%
• 3Y*: 23.62%
• 5Y*: 4.71%
• 10Y*: 10.69%

CFG

• 1D: 4.39%
• 1M: -0.37%
• YTD: 3.39%
• 6M: 14.63%
• 1Y: 51.73%
• 3Y*: 31.22%
• 5Y*: 10.47%
• 10Y*: 15.08%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

KEY vs. CFG — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

KEY

KEY Risk / Return Rank: 73
KEY Sharpe Ratio Rank: 76
KEY Sortino Ratio Rank: 67
KEY Omega Ratio Rank: 70
KEY Calmar Ratio Rank: 76
KEY Martin Ratio Rank: 77

CFG

CFG Risk / Return Rank: 84
CFG Sharpe Ratio Rank: 86
CFG Sortino Ratio Rank: 79
CFG Omega Ratio Rank: 84
CFG Calmar Ratio Rank: 86
CFG Martin Ratio Rank: 86

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

KEY vs. CFG - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for KeyCorp (KEY) and Citizens Financial Group, Inc. (CFG). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	KEY	CFG	Difference
Sharpe ratio Return per unit of total volatility	1.03	1.59	-0.56
Sortino ratio Return per unit of downside risk	1.45	2.03	-0.58
Omega ratio Gain probability vs. loss probability	1.21	1.31	-0.10
Calmar ratio Return relative to maximum drawdown	1.84	2.97	-1.13
Martin ratio Return relative to average drawdown	4.79	8.29	-3.50
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

KEY vs. CFG - Sharpe Ratio Comparison

The current KEY Sharpe Ratio is 1.03, which is lower than the CFG Sharpe Ratio of 1.59. The chart below compares the historical Sharpe Ratios of KEY and CFG, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	KEY	CFG	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.03	1.59	-0.56
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.12	0.31	-0.18
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.27	0.40	-0.13
Sharpe Ratio (All Time) Calculated using the full available price history	0.14	0.34	-0.20

Correlation

The correlation between KEY and CFG is 0.87, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.

Dividends

KEY vs. CFG - Dividend Comparison

KEY's dividend yield for the trailing twelve months is around 4.09%, more than CFG's 2.93% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
KEY KeyCorp	4.09%	3.97%	4.78%	5.69%	4.54%	3.24%	4.51%	3.51%	3.82%	1.88%	1.81%	3.83%
CFG Citizens Financial Group, Inc.	2.93%	2.94%	3.84%	5.07%	4.11%	3.30%	4.36%	3.35%	3.30%	1.52%	1.29%	1.53%

Drawdowns

KEY vs. CFG - Drawdown Comparison

The maximum KEY drawdown since its inception was -87.08%, which is greater than CFG's maximum drawdown of -65.60%. Use the drawdown chart below to compare losses from any high point for KEY and CFG.

Drawdown Indicators

	KEY	CFG	Difference
Max Drawdown Largest peak-to-trough decline	-87.08%	-65.60%	-21.48%
Max Drawdown (1Y) Largest decline over 1 year	-17.76%	-18.32%	+0.56%
Max Drawdown (5Y) Largest decline over 5 years	-65.23%	-56.19%	-9.04%
Max Drawdown (10Y) Largest decline over 10 years	-65.23%	-65.60%	+0.37%
Current Drawdown Current decline from peak	-12.76%	-11.96%	-0.80%
Average Drawdown Average peak-to-trough decline	-33.01%	-18.12%	-14.89%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.82%	6.57%	+0.25%

Volatility

KEY vs. CFG - Volatility Comparison

The current volatility for KeyCorp (KEY) is 6.62%, while Citizens Financial Group, Inc. (CFG) has a volatility of 8.03%. This indicates that KEY experiences smaller price fluctuations and is considered to be less risky than CFG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	KEY	CFG	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.62%	8.03%	-1.41%
Volatility (6M) Calculated over the trailing 6-month period	18.80%	20.85%	-2.05%
Volatility (1Y) Calculated over the trailing 1-year period	30.51%	32.80%	-2.29%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	38.10%	34.14%	+3.96%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	39.88%	38.28%	+1.60%

Financials

KEY vs. CFG - Profitability Comparison

The chart below illustrates the profitability comparison between KeyCorp and Citizens Financial Group, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

KEY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, KeyCorp reported a gross profit of 1.89B and revenue of 2.86B. Therefore, the gross margin over that period was 66.1%.

CFG - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Citizens Financial Group, Inc. reported a gross profit of 2.16B and revenue of 2.16B. Therefore, the gross margin over that period was 100.0%.

KEY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, KeyCorp reported an operating income of 648.00M and revenue of 2.86B, resulting in an operating margin of 22.7%.

CFG - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Citizens Financial Group, Inc. reported an operating income of 677.00M and revenue of 2.16B, resulting in an operating margin of 31.4%.

KEY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, KeyCorp reported a net income of 510.00M and revenue of 2.86B, resulting in a net margin of 17.8%.

CFG - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Citizens Financial Group, Inc. reported a net income of 528.00M and revenue of 2.16B, resulting in a net margin of 24.5%.