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Side-by-side financial comparison of KeyCorp (KEY) and UPBOUND GROUP, INC. (UPBD). Click either name above to swap in a different company.
KeyCorp is the larger business by last-quarter revenue ($2.0B vs $1.2B, roughly 1.7× UPBOUND GROUP, INC.). KeyCorp runs the higher net margin — 25.4% vs 1.7%, a 23.8% gap on every dollar of revenue. On growth, KeyCorp posted the faster year-over-year revenue change (131.8% vs 10.9%). KeyCorp produced more free cash flow last quarter ($2.1B vs $24.0M). Over the past eight quarters, KeyCorp's revenue compounded faster (14.4% CAGR vs 4.5%).
Key is a Japanese visual novel studio known for making dramatic and plot-oriented titles. It was formed on July 21, 1998, as a brand under the publisher Visual Arts, and is located in Kita, Osaka.
Upbound Group, Inc. is a leading US provider of flexible lease-to-own solutions for consumer goods. It offers furniture, consumer electronics, home appliances, and accessories, catering to customers seeking accessible payment alternatives to traditional retail financing.
KEY vs UPBD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $2.0B | $1.2B |
| Net Profit | $510.0M | $19.7M |
| Gross Margin | — | 49.0% |
| Operating Margin | 32.3% | 4.8% |
| Net Margin | 25.4% | 1.7% |
| Revenue YoY | 131.8% | 10.9% |
| Net Profit YoY | 309.0% | -36.3% |
| EPS (diluted) | $0.43 | $0.35 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $2.0B | $1.2B | ||
| Q3 25 | $1.9B | $1.2B | ||
| Q2 25 | $1.8B | $1.2B | ||
| Q1 25 | $1.8B | $1.2B | ||
| Q4 24 | $865.0M | $1.1B | ||
| Q3 24 | $695.0M | $1.1B | ||
| Q2 24 | $1.5B | $1.1B | ||
| Q1 24 | $1.5B | $1.1B |
| Q4 25 | $510.0M | $19.7M | ||
| Q3 25 | $489.0M | $13.2M | ||
| Q2 25 | $425.0M | $15.5M | ||
| Q1 25 | $405.0M | $24.8M | ||
| Q4 24 | $-244.0M | $31.0M | ||
| Q3 24 | $-410.0M | $30.9M | ||
| Q2 24 | $274.0M | $33.9M | ||
| Q1 24 | $219.0M | $27.7M |
| Q4 25 | — | 49.0% | ||
| Q3 25 | — | 48.3% | ||
| Q2 25 | — | 49.4% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 47.1% | ||
| Q3 24 | — | 47.8% | ||
| Q2 24 | — | 49.4% | ||
| Q1 24 | — | 48.3% |
| Q4 25 | 32.3% | 4.8% | ||
| Q3 25 | 31.8% | 4.5% | ||
| Q2 25 | 29.3% | 4.4% | ||
| Q1 25 | 29.0% | 5.3% | ||
| Q4 24 | -92.6% | 7.3% | ||
| Q3 24 | -72.8% | 6.6% | ||
| Q2 24 | 22.0% | 7.5% | ||
| Q1 24 | 18.1% | 5.6% |
| Q4 25 | 25.4% | 1.7% | ||
| Q3 25 | 25.8% | 1.1% | ||
| Q2 25 | 23.1% | 1.3% | ||
| Q1 25 | 22.8% | 2.1% | ||
| Q4 24 | -54.7% | 2.9% | ||
| Q3 24 | -59.0% | 2.9% | ||
| Q2 24 | 18.0% | 3.2% | ||
| Q1 24 | 14.3% | 2.5% |
| Q4 25 | $0.43 | $0.35 | ||
| Q3 25 | $0.41 | $0.22 | ||
| Q2 25 | $0.35 | $0.26 | ||
| Q1 25 | $0.33 | $0.42 | ||
| Q4 24 | $-0.30 | $0.55 | ||
| Q3 24 | $-0.47 | $0.55 | ||
| Q2 24 | $0.25 | $0.61 | ||
| Q1 24 | $0.20 | $0.50 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $10.2B | $120.5M |
| Total DebtLower is stronger | $9.9B | — |
| Stockholders' EquityBook value | $20.4B | $695.7M |
| Total Assets | $184.4B | $3.3B |
| Debt / EquityLower = less leverage | 0.49× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $10.2B | $120.5M | ||
| Q3 25 | $13.3B | $107.0M | ||
| Q2 25 | $11.6B | $106.8M | ||
| Q1 25 | $15.3B | $107.3M | ||
| Q4 24 | $17.5B | $60.9M | ||
| Q3 24 | $22.8B | $85.1M | ||
| Q2 24 | $15.5B | $82.5M | ||
| Q1 24 | $13.2B | $84.8M |
| Q4 25 | $9.9B | — | ||
| Q3 25 | $10.9B | — | ||
| Q2 25 | $12.1B | — | ||
| Q1 25 | $12.4B | — | ||
| Q4 24 | $12.1B | — | ||
| Q3 24 | $15.7B | — | ||
| Q2 24 | $16.9B | — | ||
| Q1 24 | $20.8B | — |
| Q4 25 | $20.4B | $695.7M | ||
| Q3 25 | $20.1B | $687.3M | ||
| Q2 25 | $19.5B | $685.5M | ||
| Q1 25 | $19.0B | $679.2M | ||
| Q4 24 | $18.2B | $629.0M | ||
| Q3 24 | $16.9B | $611.8M | ||
| Q2 24 | $14.8B | $596.3M | ||
| Q1 24 | $14.5B | $578.3M |
| Q4 25 | $184.4B | $3.3B | ||
| Q3 25 | $187.4B | $3.2B | ||
| Q2 25 | $185.5B | $3.1B | ||
| Q1 25 | $188.7B | $3.0B | ||
| Q4 24 | $187.2B | $2.6B | ||
| Q3 24 | $189.8B | $2.6B | ||
| Q2 24 | $187.4B | $2.6B | ||
| Q1 24 | $187.5B | $2.6B |
| Q4 25 | 0.49× | — | ||
| Q3 25 | 0.54× | — | ||
| Q2 25 | 0.62× | — | ||
| Q1 25 | 0.65× | — | ||
| Q4 24 | 0.67× | — | ||
| Q3 24 | 0.93× | — | ||
| Q2 24 | 1.14× | — | ||
| Q1 24 | 1.43× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.2B | $41.6M |
| Free Cash FlowOCF − Capex | $2.1B | $24.0M |
| FCF MarginFCF / Revenue | 104.8% | 2.0% |
| Capex IntensityCapex / Revenue | 5.3% | 1.5% |
| Cash ConversionOCF / Net Profit | 4.33× | 2.11× |
| TTM Free Cash FlowTrailing 4 quarters | $3.5B | $238.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2B | $41.6M | ||
| Q3 25 | $396.0M | $118.4M | ||
| Q2 25 | $1.2B | $7.8M | ||
| Q1 25 | $-140.0M | $137.7M | ||
| Q4 24 | $664.0M | $-61.9M | ||
| Q3 24 | $-1.2B | $106.2M | ||
| Q2 24 | $-217.0M | $15.0M | ||
| Q1 24 | $359.0M | $45.4M |
| Q4 25 | $2.1B | $24.0M | ||
| Q3 25 | $367.0M | $97.9M | ||
| Q2 25 | $1.2B | $-10.4M | ||
| Q1 25 | $-150.0M | $127.2M | ||
| Q4 24 | $599.0M | $-74.0M | ||
| Q3 24 | $-1.2B | $88.3M | ||
| Q2 24 | $-230.0M | $613.0K | ||
| Q1 24 | $347.0M | $33.6M |
| Q4 25 | 104.8% | 2.0% | ||
| Q3 25 | 19.4% | 8.4% | ||
| Q2 25 | 65.8% | -0.9% | ||
| Q1 25 | -8.5% | 10.8% | ||
| Q4 24 | 69.2% | -6.9% | ||
| Q3 24 | -175.8% | 8.3% | ||
| Q2 24 | -15.1% | 0.1% | ||
| Q1 24 | 22.6% | 3.1% |
| Q4 25 | 5.3% | 1.5% | ||
| Q3 25 | 1.5% | 1.8% | ||
| Q2 25 | 1.3% | 1.6% | ||
| Q1 25 | 0.6% | 0.9% | ||
| Q4 24 | 7.5% | 1.1% | ||
| Q3 24 | 2.4% | 1.7% | ||
| Q2 24 | 0.9% | 1.3% | ||
| Q1 24 | 0.8% | 1.1% |
| Q4 25 | 4.33× | 2.11× | ||
| Q3 25 | 0.81× | 8.96× | ||
| Q2 25 | 2.90× | 0.50× | ||
| Q1 25 | -0.35× | 5.56× | ||
| Q4 24 | — | -2.00× | ||
| Q3 24 | — | 3.44× | ||
| Q2 24 | -0.79× | 0.44× | ||
| Q1 24 | 1.64× | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
