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Stock Ratings / Financials / MCO
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Moody's Corporation (MCO) — RQD Stock Rating Cockpit

$506.02 +2.45% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $509.47

Moody's Corporation (MCO) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 31% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $85.15B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MCO Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MCO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Moody's Corporation (NYSE: MCO) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $506.02 (+2.45% 1D, market cap $85.15B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, MCO ranks #40 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MCO compare to NU and SPGI in the Financials sector?
▼

Within the Financials sector (Finance: Consumer Services), MCO carries a Roarable B (74/100 RQD), trailing P/E of 34.3x, gross margin of —, and ROIC of 30.6%. By comparison, NU (Nu Holdings Ltd. (Class A)) holds a D grade (51/100 RQD, P/E 32.8x, ROIC 9.9%, cap $56.37B) and SPGI (S&P Global Inc.) posts a B grade (72/100 RQD, P/E 29.9x, ROIC 12.2%, cap $135.25B). Among the 5-stock peer group, AXP leads on earnings multiple (20.0x) while MCO leads on capital efficiency (30.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MCO?
▼

Per MCO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001059556), Moody's Corporation generated $7.72B in revenue (+8.9% YoY), $2.46B in net income, and $2.58B in free cash flow against $15.83B in total assets and $6.99B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $509.46 (+0.68%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 17/20 (A-) • 33.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B
025507510074
3-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B+ · Rk C
Cash (17)Whales (16)SEC (15)Macro (11)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+7.2% Base Target
$640 Bull$542 Base$415 Bear
📬 FREE MCO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MCO)Realized 20D OHLCV Swing Band: ±5.4%
Deterministic 5-Pillar Attribution (74/100 Composite)
🔍 WHY MCO SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+17/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 33.4% FCF Margin ($2.58B FCF) & 74.4% Gross Margin

▲ #2 Bullish Driver: Whale & Options Positioning+16/20 pts (22% of score)

20D Institutional Volume Accumulation (±5.4% realized swing band)

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (59.9) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
66
Grade B-$462.77+4% Next Q
Q2 (-2Q)
69
Grade B-$481.05-0.8% Next Q
Q3 (-1Q)
71
Grade B$477.27+6% Next Q
Current
74
Grade B$506.02+7.3% Hist 90D α
Trajectory: B- (66) → B (74)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the MCO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, MCO faces multiple-compression risk if 34.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 71.9% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($476.20) or 200D SMA ($466.18) invalidates the momentum regime and cuts Target Base ($542.45) toward Bear Floor ($414.94).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MCO• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “MCO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 74%NO 26%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
59.930 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
8 / 99-Pt Accounting
52-WEEK LASER RANGE72% OF RANGE
L: $402$506.02H: $547
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: A-RQD 17 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B+RQD 31 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

3-of-3 Quant Analysts Bullish on MCO

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (85)

30.6% ROIC with 42.0% gross margin and 3.06% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (70)

31/40 institutional & smart-money positioning score with 11/20 macro alignment.

Bull Case: Why Buyers Like MCO
  • ✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (MCO Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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MCO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.56%📐 HORIZONTAL RANGE
2026-11-03O $488.8H $506.0L $488.8C $506.0VOL 1.63M
RES: $516.3SUP: $423.8SMA50: $476.2SMA200: $466.2
$530.1$501.9$473.8$445.6$417.5RES $516.3SUP $423.8$506.02026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MCO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MCO Butterfly Map → + Track MCO →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
26.5%/yr Implied 5Y Growth

vs. +8.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MCO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MCO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MCO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MCO)

Financials Rank #40 of 1097 ⚔️ NU vs MCO Full Matrix →

1. Head-to-Head Financials Peer Comparison (MCO vs. NU, SPGI, RKT, AXP)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Moody's Corporation (MCO) ranks #40 by composite RQD confidence (74/100, grade B) and #43 by equity capitalization ($85.15B). Within this direct 5-issuer industry benchmark cohort, AXP leads on earnings valuation at 20.0x trailing P/E, while MCO leads on capital efficiency and profitability with 30.6% ROIC and — gross margin. MCO currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MCO ACTIVE
Moody's Corporation
B 74/100 34.3x — 30.6% +2.45% $85.15B Benchmark Subject
NU
Nu Holdings Ltd. (Class A)
D 51/100 32.8x — 9.9% +0.09% $56.37B /nu-vs-mco →
SPGI
S&P Global Inc.
B 72/100 29.9x — 12.2% +1.85% $135.25B /spgi-vs-mco →
RKT
Rocket Companies Inc.
D- 37/100 — — -0.2% +7.58% $36.25B /rkt-vs-mco →
AXP
American Express Company
C 65/100 20.0x — 9.5% +2.78% $213.98B /axp-vs-mco →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001059556 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Moody's Corporation (MCO) reported GAAP revenue of $7.72B (+8.9% vs. FY2024 revenue of $7.09B , and +30.5% cumulative change since FY2023) , GAAP net income of $2.46B, operating cash flow of $2.90B, and free cash flow of $2.58B (+2.1% YoY). On the balance sheet, MCO closed FY2025 with $15.83B in total assets against $6.99B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $7.72B $2.46B $2.90B $2.58B $15.83B $6.99B
FY2024 (FY) 2024-12-31 $7.09B $2.06B $2.84B $2.52B $15.51B $6.73B
FY2023 (FY) 2023-12-31 $5.92B $1.61B $2.15B $1.88B $46.35B $10.85B

3. MCO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MCO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Moody's Corporation (NYSE: MCO) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $506.02 (+2.45% 1D, market cap $85.15B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, MCO ranks #40 in composite RQD confidence.

How does MCO compare to NU and SPGI in the Financials sector?

Within the Financials sector (Finance: Consumer Services), MCO carries a Roarable B (74/100 RQD), trailing P/E of 34.3x, gross margin of —, and ROIC of 30.6%. By comparison, NU (Nu Holdings Ltd. (Class A)) holds a D grade (51/100 RQD, P/E 32.8x, ROIC 9.9%, cap $56.37B) and SPGI (S&P Global Inc.) posts a B grade (72/100 RQD, P/E 29.9x, ROIC 12.2%, cap $135.25B). Among the 5-stock peer group, AXP leads on earnings multiple (20.0x) while MCO leads on capital efficiency (30.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MCO?

Per MCO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001059556), Moody's Corporation generated $7.72B in revenue (+8.9% YoY), $2.46B in net income, and $2.58B in free cash flow against $15.83B in total assets and $6.99B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MCO trading relative to its 50-day, 200-day, and 52-week technical levels?

MCO last traded at $506.02 (+2.45% on volume of 927,352 shares), positioning the stock +6.26% above its 50-day simple moving average ($476.20) and +8.55% above its 200-day simple moving average ($466.18). Across its 52-week range of $402.28 to $546.88, MCO sits at the 71.7% percentile with a 14-day RSI of 59.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.4% ($478.69 to $533.35).

Direct Sub-Reports: MCO RQD Cockpit MCO 12M Forecast MCO Earnings & Move MCO Dividends & DRIP MCO Insiders & 13F MCO Whale Options MCO Profit Sankey MCO News & Why
ROARABLE RATING BRIEF • RQD 74/100 (B) ✓ SEC XBRL & RQD VERIFIED

MCO — Moody's Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Moody's Corporation (MCO) earns a live Roarable RQD composite score of 74/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $506.02 (+2.45% 1D, market capitalization $85.15B).

  • Fundamental Cash Engine (17/20): Anchored by return on invested capital (ROIC) of 30.6%, gross margin of —, operating margin of 43.4%, and free cash flow yield of 3.06%.
  • Whale 13F & Options Flow (16/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (15/20): Incorporates a 0.91x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Moody's Corporation (MCO) is a NYSE-listed issuer classified under the Financials sector and the Finance: Consumer Services industry. Its market capitalization is $84.3B. — for further business detail.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Moody's Corporation (MCO) reported $7.72B in annual revenue (up from $7.09B in FY2024, +8.9% YoY) and $2.46B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($5.92B revenue, $1.61B net income) through FY2025, MCO scaled operating cash flow to $2.90B and free cash flow to $2.58B, backed by $15.83B in total assets against $6.99B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B • RQD 74/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Big institutional funds and options desks are actively positioning on the bullish side. With Fundamental Cash Engine at 17/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $402.28 – $546.88 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 34.3x trailing P/E and 24.5x EV/EBITDA against 43.4% operating margins and a 0.91x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Finance: Consumer Services (Financials), MCO carries a macro regime beta of 0.91 and gross margin of —.

  • Key Question #1: Can MCO sustain or expand its 43.4% operating margin and 30.6% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $7.72B and free cash flow of $2.58B, how will capital allocation balance growth reinvestment against $6.99B in total debt?
  • Key Question #3: How sensitive is MCO's 31.9x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.91x)?

MCO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Moody's Corporation (MCO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MCO Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MCO Bull vs. Bear Conversation Board — What's Your Call at $506.02?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MCO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MCO:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $651.96 (+32.0%)
📌 Pinned Debate

ROIC of 30.6% and an FCF yield of 3.06% signal strong cash-generation quality backing an RQD score of 73.

Long MCO at $493.91 targeting $651.96. ROIC of 30.6% and an FCF yield of 3.06% signal strong cash-generation quality backing an RQD score of 73.. Institutional whale score is 16/20 and the risk/reward vs. the $402.28 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@QuantViper Agree on the RQD 74/100 quality, though with 0.91 beta I'm scaling in with half-size at $493.91 and keeping dry powder in case we test $459.34.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $370.43 (-25.0%)
Spot @ $493.91

Q3 earnings missed estimates with weaker guidance, and trailing P/E of 34.3 leaves little valuation cushion.

Here is the bear case nobody on the bull side wants to address on MCO: Q3 earnings missed estimates with weaker guidance, and trailing P/E of 34.3 leaves little valuation cushion.. At 34.3x trailing P/E, even a small guidance miss in Finance: Consumer Services triggers a 12-15% air pocket.

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