KEY
KeyCorp
KEY has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has a slight edge over KEY overall, supported by stronger valuation and stronger modeled upside.
KEY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
KEY's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like KEY.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
KEY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $14.34 | -33% |
| Forward | 10x | $21.33 | — |
| Fair | 11x | $20.72 | -2.9% |
| Current | 12x | $21.33 | — |
| Expensive | 17x | $30.68 | +44% |
Historical ranges are pointers, not guarantees.
KEY's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over KEY in the historical PE scenario, which offers more potential upside but is not a forecast.
KEY Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for KEY, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
KEY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.09 | +15% |
| Q3 2026 | $1.82 | +130% |
| Q2 2026 | $1.72 | +$1.81 |
| Q1 2026 | $1.63 | +$1.82 |
| Q4 2025 | $1.52 | +$1.84 |
| Q3 2025 | $0.79 | +7800% |
| Q2 2025 | -$0.09 | -112% |
| Q1 2025 | -$0.19 | -124% |
| Q4 2024 | -$0.32 | -136% |
KEY's earnings per share have fallen from their peak: $1.82 over the past year, against $2.63 in late 2021.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
KEY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2B | +8.4% |
| Q2 2026 | $2B | +6.8% |
| Q1 2026 | $1.9B | +10% |
| Q4 2025 | $2B | +134% |
| Q3 2025 | $1.9B | +176% |
| Q2 2025 | $1.8B | +21% |
| Q1 2025 | $1.8B | +16% |
| Q4 2024 | $855M | -44% |
KEY's revenue has grown year over year for seven quarters in a row: $2B last quarter, up 8.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +4.2 points |
| Q2 2026 | 33% | +3.6 points |
| Q1 2026 | 34% | +4.6 points |
| Q4 2025 | 32% | +81 points |
| Q3 2025 | 32% | +106 points |
| Q2 2025 | 29% | +7.3 points |
| Q1 2025 | 29% | +11 points |
| Q4 2024 | -48% | -52 points |
KEY has the edge over SOFI on profitability, with a higher operating margin.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over KEY on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
KEY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $684M | +86% |
| Q2 2026 | $233M | -81% |
| Q1 2026 | -$74M | +$76M |
| Q4 2025 | $673M | -61% |
| Q3 2025 | $367M | +$1.6B |
| Q2 2025 | $1.2B | +$1.4B |
| Q1 2025 | -$150M | -143% |
| Q4 2024 | $1.7B | +71% |
KEY has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
KEY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.5% | -15.7M shares |
| 1 year | -4.2% | -46.4M shares |
| 3 years | +14% | +133M shares |
| 5 years | +12% | +112M shares |
| Available history | +6.2% | +62M shares |
KEY has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q4 2021 | $26M |
| Q3 2021 | $150M |
| Q2 2021 | $300M |
| Q1 2021 | $135M |
| Q4 2020 | $17M |
| Q3 2020 | — |
| Q2 2020 | — |
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
KEY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.5x | Moderate |
| Q2 2026 | 2.4x | Moderate |
| Q1 2026 | 2.6x | Moderate |
| Q4 2025 | 2.4x | Moderate |
| Q3 2025 | 3.5x | Elevated |
| Q2 2025 | 9.4x | High |
| Q1 2025 | 21.2x | High |
| Q3 2024 | 37.8x | High |
KEY's net debt is about 2.5 years of its operating earnings (EBITDA), down from 3.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like KEY.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over KEY on leverage, with a lower net debt burden relative to earnings.
KEY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.1 | Neutral |
| Stochastic | 41.1 | Neutral |
KEY's weekly RSI is 50 (neutral) and its Stochastic is 41 (neutral).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
KEY PE vs Financial Services Sector
| Metric | KEY | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 10% below |
| PE % | 55 | 63 | 8 pts below |
KEY has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
KEY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.6 | 3.4% above |
| 20 week MA | $21.7 | 1.9% below |
| 50 week MA | $21.4 | 0.5% below |
| 100 week MA | $19.3 | 11% above |
| 200 week MA | $16.7 | 28% above |
KEY has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
KEY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $20.3 | $16.2 | -20% |
| 2021 | $16.2 | $22.7 | +40% |
| 2022 | $22.7 | $17.2 | -24% |
| 2023 | $17.2 | $14.4 | -16% |
| 2024 | $14.4 | $17.2 | +19% |
| 2025 | $17.2 | $21.2 | +23% |
| 2026 YTD | $21.2 | $21.3 | +0.7% |
KEY has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.