KEY vs FITB vs CFG Stock Comparison

Keycorp, Fifth Third Bancorp and Citizens Financial Prices as of Oct 27, 2026 Peers: Industry group
KEY Keycorp /New/
$21.14 +2.6% 1M +20.0% 1Y
Market cap
$22.64B
P/E
11.5x
Revenue (TTM)
—
Div. yield
–
Regional Banks Financial Services
3 wins
FITB Fifth Third Bancorp
$53.58 +2.9% 1M +26.2% 1Y
Market cap
$48.80B
P/E
18.3x
Revenue (TTM)
$10.16B
Div. yield
–
Regional Banks Financial Services
6 wins

Head to Head

10 decided of 12

Fifth Third Bancorp leads on 6 of the 12 questions below (Fifth Third Bancorp 6, Keycorp 3, Citizens Financial 1). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionKEYFITBCFGLeader
Larger companyMarket capitalisation $22.64B $48.80B $27.60B FITB
Cheaper on earningsLower P/E, profitable companies only 11.5x 18.3x 13.9x KEY
Cheaper on forward earningsLower price / next fiscal year consensus EPS 10.7x 17.0x 12.0x KEY
Faster revenue growthRevenue growth, trailing twelve months — +17.1% +11.0% FITB
More profitableNet margin, trailing twelve months — 26.2% 22.7% FITB
Better return on capitalReturn on invested capital — 12.9% 12.3% FITB
Less leveragedLower net debt / EBITDA — — 2.4x –
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.03% –
Better 1-year returnPrice return, last 12 months +20.0% +26.2% +25.8% FITB
Better 5-year returnAnnualised price return, 5 years -2.1%/yr +4.0%/yr +6.4%/yr CFG
Less volatileAnnualised volatility, 1 year 22.9% 24.9% 25.2% KEY
Higher overall scoreMean of the five percentile scores vs peers — 40/100 37/100 FITB

Percentile Scorecard

KEYFITBCFG

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisKEYFITBCFG
Valuation 57 #157 of 360 12 #318 of 360 28 #260 of 360
Growth – 23 #148 of 191 36 #123 of 191
Profitability – 46 #92 of 168 38 #105 of 168
Financial Health – 50 #88 of 175 32 #119 of 175
Shareholder Returns 86 #49 of 341 72 #98 of 341 53 #161 of 341
Overall – 40 37
  • KEY ranked among 368 companies in Banking
  • FITB ranked among 368 companies in Banking
  • CFG ranked among 368 companies in Banking

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodKEYFITBCFGSPY
1 month +2.6%+2.9%-0.4% -0.2%
3 months -6.7%-7.3%-10.5% +3.9%
6 months -3.7%+6.5%+0.5% +8.2%
Year to date +2.4%+14.5%+11.8% +12.9%
1 year +20.0%+26.2%+25.8% +12.3%
3 years +113.1%+134.1%+185.5% +87.4%
3 years, per year +28.7%+32.8%+41.9% +23.3%
5 years -10.0%+21.8%+36.3% +67.9%
5 years, per year -2.1%+4.0%+6.4% +10.9%
10 years +48.1%+145.6%+143.0% +261.1%
10 years, per year +4.0%+9.4%+9.3% +13.7%

Risk

MeasureKEYFITBCFGSPY
Volatility, 1Y 22.9%24.9%25.2% 12.7%
Downside volatility, 1Y 23.4%24.7%25.5% 12.7%
Beta vs S&P 500, 1Y 0.720.700.87 1.00
Return / volatility, 1Y 0.881.051.02 0.97
Max drawdown, 5Y -66.9%-54.6%-59.4% -25.4%
From 52-week high -11.8%-9.7%-12.6% -1.2%
52-week high $23.98$59.36$74.73 $779.14
52-week low $17.12$41.12$49.71 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleKEYFITBCFG
P/E now vs peer median 11.5xmedian 12.1x 18.4xmedian 12.1x 13.9xmedian 12.1x
P/S now vs peer median 2.8xmedian 3.4x 4.8xmedian 3.4x 3.2xmedian 3.4x
EV/EBITDA now vs peer median —median 5.0x —median 5.0x 6.5xmedian 5.0x
P/FCF now vs peer median 17.9xmedian 10.9x —median 10.9x 11.7xmedian 10.9x
P/B now vs peer median 1.3xmedian 1.2x 1.4xmedian 1.2x 1.1xmedian 1.2x
PEG now vs peer median 0.83median 1.34 -2.90median 1.34 12.61median 1.34

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsKEYFITBCFG
Revenue – $10.16B $8.73B
Net income – $2.81B $2.13B
Free cash flow – – $2.35B
EPS (diluted) $1.82 $2.91 $4.65
Cash & equivalents – $4.37B –
Total debt – $22.27B $16.35B
Shares (diluted) 1.08B 916.00M 426.68M
Enterprise value $22.64B -$33.43B $27.60B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricKEYFITBCFG
P/E 11.5x 18.4x 13.9x
P/FCF 17.9x – 11.7x
P/Operating cash flow – – 11.0x
P/S 2.8x 4.8x 3.2x
P/B 1.3x 1.4x 1.1x
P/Tangible book 1.3x 1.5x 1.1x
EV/EBITDA – – 6.5x
EV/EBIT – 6.1x 6.9x
EV/Revenue – 4.6x 5.0x
EV/FCF – – 18.7x
EV/Operating cash flow – – 17.6x
PEG (3Y EPS CAGR) 0.83 -2.90 12.61

Growth

14 metrics
MetricKEYFITBCFG
Revenue growth (1Y) – 17.1% 11.0%
Revenue CAGR (3Y) – 4.6% 0.5%
Gross profit growth (1Y) – – –
Gross profit CAGR (3Y) – – –
Operating income growth (1Y) – – –
Operating income CAGR (3Y) – – –
Net income growth (1Y) – 20.2% 33.5%
Net income CAGR (3Y) – 3.3% -2.3%
EPS growth (1Y) 117.5% -10.3% 39.7%
EPS CAGR (3Y) 13.9% -6.3% 1.1%
Operating cash flow growth (1Y) – – 94.5%
Operating cash flow CAGR (3Y) – – -24.1%
Free cash flow growth (1Y) – – 103.4%
Free cash flow CAGR (3Y) – – -24.9%

Profitability

14 metrics
MetricKEYFITBCFG
Gross margin – – –
EBITDA margin – – 78.0%
Operating margin – – –
Pretax margin – 35.4% 31.1%
Net margin – 26.2% 22.7%
FCF margin – – 27.0%
Operating cash flow margin – – 28.7%
Return on equity 11.3% 10.0% 8.1%
Return on assets 1.1% 1.1% 0.9%
Return on invested capital – 12.9% 12.3%
Return on capital employed – – –
Asset turnover – 0.0x 0.0x
Cash conversion (OCF / net income) – – 1.2x
Stock comp / revenue – – 1.5%

Financial Health

11 metrics
MetricKEYFITBCFG
Debt / assets – 7.4% 7.0%
Debt / equity – 0.6x 0.6x
Net debt / EBITDA – – 2.4x
Debt / FCF – – 6.9x
Liabilities / assets 90.8% 88.5% 88.8%
Equity / assets 9.2% 11.5% 11.2%
Interest coverage – 1.9x 1.7x
Current ratio – – –
Quick ratio – – –
Cash ratio – – –
Altman Z-score – – –

Shareholder Returns

7 metrics
MetricKEYFITBCFG
Dividend yield 3.8% 3.0% 2.8%
Net buyback yield – – 2.7%
Shareholder yield 3.8% 3.0% 5.5%
Payout ratio (earnings) – – 36.7%
Payout ratio (FCF) – – 33.1%
Dividend growth (1Y) – – 4.1%
Dividend CAGR (3Y) – – -2.0%

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusKEYFITBCFG
Forward P/E 10.7xFY2026 17.0xFY2026 12.0xFY2026
EPS, next fiscal year $1.97FY2026 $3.15FY2026 $5.42FY2026
EPS growth, next FY +29.6%FY2026 -10.8%FY2026 +40.4%FY2026
EPS growth, the year after +15.7% +61.3% +27.1%
Revenue, next fiscal year $7.55BFY2026 $12.18BFY2026 $8.59BFY2026
Revenue growth, next FY +0.5%FY2026 +34.7%FY2026 +4.1%FY2026
Revenue growth, the year after +11.4% +23.3% +11.4%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersKEYFITBCFG
Held by institutions 88.1% 90.8% 96.7%
Institutions holding 941 1,303 1,097
Change in shares held, QoQ +1.1% +3.9% +2.9%
Institutions buying 467 691 633
Institutions selling 301 406 314
Buyers to sellers 1.55 1.70 2.02

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

KEYFITBCFG
KEY 1.00 0.83 0.89
FITB 0.83 1.00 0.86
CFG 0.89 0.86 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, KEY, FITB and CFG?

Fifth Third Bancorp (FITB) is the largest by market capitalisation: Keycorp (KEY) $22.64B, Fifth Third Bancorp (FITB) $48.80B, Citizens Financial (CFG) $27.60B.

Which stock is cheaper, KEY, FITB and CFG?

Keycorp (KEY) trades on the lowest price-to-earnings ratio (Keycorp (KEY) 11.5x, Fifth Third Bancorp (FITB) 18.3x, Citizens Financial (CFG) 13.9x). On next year's consensus earnings, Keycorp (KEY) is cheapest (Keycorp (KEY) 10.7x, Fifth Third Bancorp (FITB) 17.0x, Citizens Financial (CFG) 12.0x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Fifth Third Bancorp (FITB) grew revenue fastest over the trailing twelve months: Fifth Third Bancorp (FITB) +17.1%, Citizens Financial (CFG) +11.0%.

Which company is more profitable?

Fifth Third Bancorp (FITB) has the highest net margin (Fifth Third Bancorp (FITB) 26.2%, Citizens Financial (CFG) 22.7%). On return on invested capital, Fifth Third Bancorp (FITB) leads (Fifth Third Bancorp (FITB) 12.9%, Citizens Financial (CFG) 12.3%).

Which stock has performed better?

Over the past year Fifth Third Bancorp (FITB) returned the most: Keycorp (KEY) +20.0%, Fifth Third Bancorp (FITB) +26.2%, Citizens Financial (CFG) +25.8%. Over five years, Citizens Financial (CFG) compounded fastest (Keycorp (KEY) -2.1%/yr, Fifth Third Bancorp (FITB) +4.0%/yr, Citizens Financial (CFG) +6.4%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Only one of these companies pays a dividend: Keycorp (KEY) 0.00%, Fifth Third Bancorp (FITB) 0.00%, Citizens Financial (CFG) 0.03%. Keycorp (KEY) and Fifth Third Bancorp (FITB) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Keycorp (KEY) has been the steadiest (Keycorp (KEY) 22.9%, Fifth Third Bancorp (FITB) 24.9%, Citizens Financial (CFG) 25.2%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, KEY, FITB and CFG?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Fifth Third Bancorp (FITB) leads on 6. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.