# Moody's Corporation (MCO) — Stock CV

Moody's Corporation is a $80.2B financial services company. Revenue grew 11.7% over the last year, and it keeps 34¢ of every dollar of sales as profit. It trades at 28.8× earnings — near the lowest of its own history.

> Moody's, along with S&P Ratings, is a leading provider of credit ratings on fixed-income securities. The ratings segment, Moody's Investors Service, includes corporates, structured finance, financial institutions, and public finance ratings.

## Identity

- **Ticker**: MCO
- **Sector**: Financial Services
- **Industry**: Services-Consumer Credit Reporting, Collection Agencies
- **Headquarters**: NEW YORK, NY
- **Employees**: 5 300
- **Website**: https://www.moodys.com
- **Market cap**: $80.2B
- **Last price**: $463.17
- **Financial profile**: Solid

## Vitals (TTM)

- **Revenue**: $8.16B
- **Net income**: $2.79B
- **Free cash flow**: $2.97B
- **Net debt**: $4.55B
- **P/E**: 28.8
- **Revenue growth (YoY)**: 11.7%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 61 |
| Growth | 42 |
| Profitability | 100 |
| Health | 74 |
| Quality | 95 |
| Moat | 93 |

## Qualifications (beginner checklist) — 11 of 11 passed

- [x] Revenue growing — +11.7% YoY
- [x] Profitable — $2.79B TTM
- [x] Profit growing — +22.5% YoY
- [x] Generates cash — $2.97B TTM
- [x] Debt under control — ~1.5y of cash flow to repay
- [x] Established company — $80.2B market cap
- [x] Not printing shares — -5.0% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [x] Financially stable — Altman Z 6.8 — safe
- [x] Pays a dividend — yield 0.87%
- [x] Valuation not extreme — P/E 28.8

## Experience (career milestones)

- **FY2025** — Best year on record: $2.46B net income
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $1B: $3.60B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak

## Strengths

- High gross margin (75.0%)
- Strongly profitable — 34.3% net margin
- Revenue growing 11.7% year over year
- Strong cash conversion — FCF is 36.4% of revenue
- Interest covered 20.1× by operating earnings

## Watch-outs

- None stand out in the data.

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $6.22B | $2.21B | $1.87B |
| FY2022 | $5.47B | $1.37B | $1.19B |
| FY2023 | $5.92B | $1.61B | $1.88B |
| FY2024 | $7.09B | $2.06B | $2.52B |
| FY2025 | $7.72B | $2.46B | $2.58B |

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Source: https://stockcv.com/MCO — derived from company filings; may be delayed or incomplete. Information, not investment advice.