Check Before You Invest : Key Corp Ltd

Snapshot

Q.1 Which industry/sub-sector does Key Corp Ltd belong to?

Key Corp Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Key Corp Ltd a good quality company?

Key Corp Ltd is a quality company, based on a 10-year financial track record.

Q.3 Is Key Corp Ltd undervalued or overvalued?

Key Corp Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Q.4 Is Key Corp Ltd a good buy now?

Key Corp Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of Key Corp Ltd?

Key Corp Ltd Operating Income growth is -84.17% for FY-2025, which is below its 5-year CAGR of 77.5%, indicating slower growth.

Q.2 Return on Assets of Key Corp Ltd?

Key Corp Ltd Return on Asset is 6.6%, which is below its 5-year historical median of 36.6%, indicating deteriorated earnings on assets.

	Current Level	5-year Historic Median
NPM%	84.47	98.08
PPOP%	-85.97	28.38
RoA%	6.6	36.6

Q.3 Return on Equity (ROE) of Key Corp Ltd?

Key Corp Ltd Return on Equity is 6.6% for FY-2025, which is below its 5-year historical median of 37.4%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Key Corp Ltd?

Key Corp Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is -85.97% for FY-2025, which is below its 5-year median(28.38%), indicating decreasing margins.

Q.5 Net Profit Margin of Key Corp Ltd?

Key Corp Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 84.47% for FY-2025, which is below its 5-year median( 98.08%), indicating decreasing margins.

Q.6 Total Asset growth of Key Corp Ltd?

Key Corp Ltd Total Asset growth is 7.39% for FY-2025, which is below its 5-year CAGR of 19.9%, indicating slower growth.

Q.7 Capital Adequacy ratio of Key Corp Ltd?

Key Corp Ltd Capital Adequacy ratio (CAR) is 129.9% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Key Corp Ltd?

Promoters hold 69.08% of the Key Corp Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Key Corp Ltd vs Industry Peers?

Key Corp Ltd AUM CAGR is 19.9%, compared to the 5-year industry median CAGR of 9.9%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Key Corp Ltd vs industry peers

Key Corp Ltd profit metrics are in line with the industry median level of 7.31%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	84.47	15.95
PPOP%	-85.97	4.54
RoA%	6.6	1.45

Q.3 Operating efficiency of Key Corp Ltd vs industry peers?

Key Corp Ltd ROCE (38.5) is above the industry median of (4.4); while the current ROE (37.4) are above than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM%	84.47	15.95
PPOP%	-85.97	4.54
RoA%	6.6	1.45
ROCE%	6.6	4.4
ROE%	6.6	2.7

Valuation & price assessment

Q.1 Stock return of Key Corp Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 18.6% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	18.6%	40.2%	12.5%	-60.5%

Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	-	2.41	28.96
Price to Book	0.67	0.74	1.11
Price to Sales	116.83	2.28	9.10
EV to EBITDA	-16.38	2.33	11.77

Q.4 Valuation ratios of Key Corp Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.67% is lower than its historical median of 0.74%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Key Corp Ltd return on invested capital (ROIC) is 6.59% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

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