MCO is OVERVALUED SecDiverAI
Median Fair Price 333.4
Confidence: MEDIUM
Fair Price Range 198.35 - 432.63
1 Year Price target: $ 319.3 - $ 384.94
3 Year Price target: $ 292.86 - $ 513.17
Current Market Price: 424.86 as of 2025-04-18
Investment Value of 100 $ invested in MCO as compared to Market Index: SPY across historical periods[*does not include dividends]
Investment Period $ Value Today(MCO) $ Value Today(SPY) CAGR vs Market
9 years before $ 464.97 $ 208.39 18.62% vs SPY:8.5%
5 years before $ 187.03 $ 150.37 13.34% vs SPY:8.5%
3 years before $ 111.94 $ 127.73 3.83% vs SPY:8.5%
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We have 4 report results for ticker: MCO - Moody's Corporation, also organized by 4 group tags below ... Bargain Finder: Related Companies Portfolio Health: Related Companies

Business Checklist for MCO from SecDiver AI beta Free for Limited Time

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Red Flags Identified


12

Total Checks Done


29

Wall Street Drivers beta

📊 Professional Investors(wallstreet) pay a lot of heed at these numbers, long term history matters - specially 9+ year trends
Score 9.0 / 10.0

  • revenue cagr for last 9 years
  • insight: ['7.27 is greater than equal to 5']
  • mental_model: We prefer growing Business which grow >= 5% YoY, better than GDP growth of >= 2-3%
  • cashflows cagr for last 9 years
  • insight: ['8.0 is greater than equal to 5']
  • mental_model: We prefer growing Business which generate cashflows >= 5% YoY, for some industries like finance specially Banks this might be lower/red and its OK for them
  • shares outstanding cagr for last 9 years
  • insight: ['-1.48 is less than equal to 2']
  • mental_model: As a business owner equity is important, We want less dilution over years OR it should reduce so our share of business increases with time, less than 2% is ideal, >=10% is potentially bad be careful
  • debt cagr for last 9 years
  • insight: ['11.98 is NOT less than equal to 2']
  • mental_model: We prefer Business with lower debt growth
  • equity cagr for last 9 years
  • insight: ['40.55 is greater than equal to 5']
  • mental_model: We prefer growing Business having shareholder equity growth >= 5% YoY
  • leverage average for last 3 years
  • insight: ['3.38 is less than equal to 5', '3.38 is greater than equal to 0']
  • mental_model: We prefer Business which can pay their debts in less than 5 years using cashflows, for some industries like finance specially Banks this might be lower/red and its OK for them
  • roe_cashflow::operating average for last 3 years
  • insight: ['70.73 is greater than equal to 10']
  • mental_model: Good Business have return on equity >= 10%
  • roce_cashflow::operating average for last 3 years
  • insight: ['20.9 is greater than equal to 15']
  • mental_model: Good Business have return on capital >= 15%
  • roic_cashflow::operating average for last 3 years
  • insight: ['195.61 is greater than equal to 15']
  • mental_model: Good Business have return on invested capital >= 15%

Business Durability beta

🏰 Quality companies with moats show higher or stable trends, long term trends matters, Consistency is the Key
Score 3.0 / 10.0

  • margin cashflow running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.35 wrt mean ratio: 0.321']
  • cash average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 2102333333.33 wrt mean ratio: 1724461538.461']
  • mental_model: We want stability on cash growth
  • roa_cashflow::operating average for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 14.81 wrt mean ratio: 19.897']
  • mental_model: We want stability on increasing return on assets
  • roe_cashflow::operating average for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 70.73 wrt mean ratio: 182.59']
  • mental_model: We want stability on increasing return on equity
  • roce_cashflow::operating average for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 20.9 wrt mean ratio: 37.366']
  • mental_model: We want stability on increasing return on capital employed
  • roic_cashflow::operating average for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 195.61 wrt mean ratio: 220.32']
  • mental_model: We want stability on increasing return on invested capital

Business Trends last 3 years beta

Score 3.0 / 10.0

  • receivables running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.28 wrt mean ratio: 0.26']
  • mental_model: receivables should always grow less with revenues otherwise there might be some payment/collection issues, Watch out
  • payables running_sum for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 0.19 wrt mean ratio: 0.195']
  • mental_model: the more this is the better, nothing bad about it.
  • cash running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.34 wrt mean ratio: 0.424']
  • mental_model: cash trend should be similar or greater to revenue, if company is heavily reinvesting it might be OK, but do check

Profits Matter beta

💰 Companies needs to have positive profits to reward its shareholders in the long term
Score 10.0 / 10.0

  • positive cashflows profits average for last 3 years
  • insight: ['2154333333.33 is greater than equal to 0']
  • mental_model: We want to see positive cashflows profits for last 3 years, Profits determine Stock prices in the long term

Capital Allocation beta

🧠 Remember: Shareholders only gets rewarded if management does prudent capital allocation decisions
Score 0.0 / 10.0

  • cashToRevenue running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.34 wrt mean ratio: 0.424']
  • cashToEquity running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.64 wrt mean ratio: 2.902']

Business Performance beta

Score 5.0 / 10.0

  • Operating Leverage Cashflow cagr for last 9 years
  • insight: ['Ratio is [1.1] for last 9 year ratio, threshold 0.9, value_1: 8.0, value_2: 7.27']
  • debt cagr for last 9 years
  • insight: ['Ratio is [1.65] for last 9 year ratio, threshold 1, value_1: 11.98, value_2: 7.27']
  • cash cagr for last 9 years
  • insight: ['Ratio is [0.07] for last 9 year ratio, threshold 0.9, value_1: 3.02, value_2: 40.55']
  • debt-equity-cagr cagr for last 9 years
  • insight: ['Ratio is [0.3] for last 9 year ratio, threshold 1, value_1: 11.98, value_2: 40.55']
  • mental_model: We want debt to grow less than equity

Balance Sheet Quality beta

📈 Quality companies can withstand darkest hours, strong balance sheet is the key
Score 7.0 / 10.0

  • debtToCashflow running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 3.38 wrt mean ratio: 3.095']
  • debtToEquity running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 2.21 wrt mean ratio: 5.795']
  • leverage average for last 3 years
  • insight: ['3.38 is less than equal to 5']
  • mental_model: We prefer Business which can pay their debts in less than 5 years

Taxes, Interest and Unearned beta

📈Note: this is a new one, so do not use this for now, we are looking at data
Score 10.0 / 10.0

  • unearned_revenue_balancesheet running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.22 wrt mean ratio: 0.207']

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We do NOT feel in CONTROL in the markets. Do we know why?

1. Showing BALANCE_SUMMARY report for MCO [show/hide charts] Current Market Price: 424.86 as of 2025-04-18
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
MCO StockMarketPrice 472.48 386.74 273.27 379.55 279.96 227.12 132.62 138.29 87.23 91.40 86.15 69.66 44.03 29.00 22.49
MCO revenue 7.09B 5.92B 5.47B 6.22B 5.37B 4.83B 4.44B 4.20B 3.60B 3.48B 3.33B 2.97B 2.73B 2.28B 2.03B 1.80B
MCO assets 15.51B 14.62B 14.35B 14.68B 12.41B 10.27B 9.53B 8.59B 5.33B 5.12B 4.67B 4.40B 3.96B 2.88B 2.54B 0.0
MCO cash 2.41B 2.13B 1.77B 1.81B 2.60B 1.83B 1.69B 1.07B 2.05B 1.76B 1.22B 1.92B 1.76B 0.76B 0.66B 0.0
MCO cashflow::operating 2.84B 2.15B 1.47B 2.00B 2.15B 1.68B 1.46B 0.76B 1.26B 1.20B 1.02B 0.93B 0.82B 0.80B 0.65B 0.64B
MCO equity 3.73B 3.48B 2.69B 2.92B 1.76B 0.83B 0.66B -0.11B -1.03B -0.33B 0.04B 0.35B 0.40B -0.16B -0.30B 0.0
MCO debt 7.43B 7.00B 7.39B 7.41B 6.42B 5.58B 5.23B 5.11B 3.06B 3.40B 2.55B 2.10B 1.61B 1.17B 1.23B 0.0
MCO shares 0.18B 0.18B 0.18B 0.19B 0.19B 0.19B 0.19B 0.19B 0.19B 0.20B 0.21B 0.22B 0.22B 0.23B 0.23B 0.24B
MCO shares_calc 0.18B 0.18B 0.18B 0.19B 0.19B 0.19B 0.19B 0.19B 0.19B 0.20B 0.21B 0.22B 0.22B 0.23B 0.23B 0.24B
MCO inventory inf inf inf inf inf inf 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
MCO payables 1.34B 1.08B 1.01B 1.14B 1.04B 0.77B 0.70B 0.75B 1.44B 0.57B 0.56B 0.54B 0.56B 0.45B 0.41B 0.0
MCO receivables 1.80B 1.66B 1.65B 1.72B 1.43B 1.42B 1.29B 1.15B 0.89B 0.80B 0.79B 0.69B 0.62B 0.49B 0.50B 0.0
MCO roa_cfo 19.41% 14.99% 10.04% 16.16% 20.91% 17.58% 17.00% 14.17% 24.58% 25.66% 23.18% 23.40% 28.62% 31.61% 0.0 0.0
MCO roe_cfo 81.65% 79.99% 50.55% 113.73% 258.24% 255.34% -999.00% -73.49% -378.08% 2792.54% 292.79% 234.04% -519.63% -269.10% 0.0 0.0
MCO roce_cfo 27.09% 21.34% 14.27% 24.50% 33.47% 28.48% 29.24% 37.09% 41.04% 46.25% 41.58% 46.27% 81.21% 86.38% 0.0 0.0
MCO roic_cfo 239.29% 188.19% 159.35% 299.70% 228.78% 183.86% 202.35% 232.31% 232.29% 223.05% 234.70% 248.47% 226.75% 199.75% 162.44% inf
MCO goodwill 5.99B 5.96B 5.84B 6.00B 4.56B 3.72B 3.78B 3.75B 1.02B 0.98B 1.02B 0.67B 0.64B 0.64B 0.47B 0.0
MCO unearned_revenue_balancesheet 1.45B 1.32B 1.26B 1.25B 1.09B 1.05B 0.95B 0.88B 0.68B 0.64B 0.62B 0.60B 0.55B 0.52B 0.51B 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

2. Vertical Data, ratio wrt to shares_calc for MCO [show/hide charts] Current Market Price: 424.86 as of 2025-04-18
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
MCO StockMarketPrice
MCO revenue 39.11 32.33 29.85 33.45 28.60 25.58 23.19 22.00 18.85 17.63 15.88 13.57 12.24 10.09 8.65 7.62
MCO assets 85.55 79.90 78.32 78.97 66.08 54.37 49.72 44.97 27.86 25.91 22.23 20.07 17.76 12.73 10.81 0.0
MCO cash 13.29 11.64 9.66 9.74 13.83 9.70 8.79 5.61 10.73 8.89 5.81 8.76 7.87 3.36 2.81 0.0
MCO cashflow::operating 15.66 11.75 8.05 10.79 11.43 8.87 7.62 3.95 6.58 6.06 4.85 4.23 3.69 3.55 2.78 2.72
MCO equity 20.56 18.99 14.68 15.69 9.39 4.40 3.42 -0.60 -5.37 -1.68 0.20 1.59 1.78 -0.70 -1.27 0.0
MCO debt 40.99 38.26 40.33 39.88 34.20 29.56 27.27 26.75 16.02 17.20 12.13 9.60 7.21 5.19 5.23 0.0
MCO shares 1.00 1.01 1.00 1.01 1.00 1.00 1.00 1.00 1.00 1.01 1.00 1.00 1.00 1.00 1.00 1.00
MCO shares_calc 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
MCO inventory 0.55 0.55 0.55 0.54 0.53 0.53 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
MCO payables 7.42 5.88 5.52 6.14 5.53 4.09 3.63 3.92 7.55 2.86 2.66 2.46 2.49 2.00 1.76 0.0
MCO receivables 9.94 9.07 9.02 9.25 7.61 7.52 6.72 6.00 4.64 4.06 3.77 3.17 2.78 2.16 2.11 0.0
MCO goodwill 33.07 32.55 31.87 32.27 24.26 19.71 19.73 19.64 5.35 4.94 4.86 3.04 2.86 2.84 1.98 0.0
MCO unearned_revenue_balancesheet 8.02 7.19 6.87 6.72 5.80 5.56 4.97 4.62 3.57 3.21 2.97 2.73 2.44 2.30 2.16 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

3. Vertical Data, ratio wrt to revenue for MCO [show/hide charts] Current Market Price: 424.86 as of 2025-04-18
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
MCO StockMarketPrice
MCO revenue 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
MCO assets 218.75% 247.16% 262.42% 236.09% 231.04% 212.57% 214.40% 204.42% 147.80% 147.02% 140.03% 147.86% 145.04% 126.10% 125.00% 0.0
MCO cash 33.97% 36.00% 32.35% 29.13% 48.35% 37.94% 37.92% 25.49% 56.92% 50.43% 36.57% 64.58% 64.29% 33.32% 32.46% 0.0
MCO cashflow::operating 40.04% 36.36% 26.96% 32.25% 39.96% 34.69% 32.88% 17.96% 34.93% 34.38% 30.55% 31.18% 30.15% 35.21% 32.14% 35.78%
MCO equity 52.58% 58.76% 49.18% 46.90% 32.82% 17.21% 14.76% -2.73% -28.50% -9.56% 1.29% 11.70% 14.50% -6.95% -14.69% 0.0
MCO debt 104.80% 118.34% 135.13% 119.22% 119.57% 115.57% 117.62% 121.57% 84.98% 97.60% 76.40% 70.71% 58.86% 51.39% 60.43% 0.0
MCO shares 2.57% 3.11% 3.37% 3.01% 3.48% 3.91% 4.30% 4.54% 5.33% 5.74% 6.30% 7.37% 8.17% 9.91% 11.56% 13.13%
MCO shares_calc 2.56% 3.09% 3.35% 2.99% 3.50% 3.91% 4.31% 4.55% 5.30% 5.67% 6.30% 7.37% 8.17% 9.91% 11.56% 13.13%
MCO inventory 1.41% 1.69% 1.83% 1.61% 1.86% 2.07% 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
MCO payables 18.96% 18.19% 18.49% 18.37% 19.34% 16.01% 15.67% 17.84% 40.06% 16.24% 16.72% 18.13% 20.33% 19.82% 20.37% 0.0
MCO receivables 25.41% 28.04% 30.21% 27.66% 26.62% 29.38% 28.97% 27.28% 24.61% 23.02% 23.77% 23.35% 22.74% 21.44% 24.46% 0.0
MCO goodwill 84.57% 100.68% 106.78% 96.48% 84.83% 77.08% 85.10% 89.27% 28.38% 28.01% 30.62% 22.38% 23.33% 28.15% 22.88% 0.0
MCO unearned_revenue_balancesheet 20.51% 22.24% 23.01% 20.09% 20.28% 21.74% 21.45% 21.00% 18.95% 18.22% 18.73% 20.13% 19.96% 22.80% 25.00% 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

4. Vertical Data, ratio wrt to assets for MCO [show/hide charts] Current Market Price: 424.86 as of 2025-04-18
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010
MCO StockMarketPrice
MCO revenue 45.71% 40.46% 38.11% 42.36% 43.28% 47.04% 46.64% 48.92% 67.66% 68.02% 71.41% 67.63% 68.95% 79.30% 80.00%
MCO assets 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
MCO cash 15.53% 14.57% 12.33% 12.34% 20.93% 17.85% 17.69% 12.47% 38.51% 34.30% 26.12% 43.67% 44.33% 26.43% 25.97%
MCO cashflow::operating 18.30% 14.71% 10.27% 13.66% 17.29% 16.32% 15.34% 8.79% 23.63% 23.38% 21.82% 21.09% 20.79% 27.92% 25.71%
MCO equity 24.04% 23.77% 18.74% 19.86% 14.21% 8.10% 6.89% -1.34% -19.28% -6.50% 0.92% 7.92% 10.00% -5.51% -11.75%
MCO debt 47.91% 47.88% 51.49% 50.50% 51.75% 54.37% 54.86% 59.47% 57.50% 66.39% 54.56% 47.82% 40.58% 40.75% 48.35%
MCO shares 1.17% 1.26% 1.28% 1.27% 1.51% 1.84% 2.01% 2.22% 3.60% 3.90% 4.50% 4.98% 5.63% 7.86% 9.25%
MCO shares_calc 1.17% 1.25% 1.28% 1.27% 1.51% 1.84% 2.01% 2.22% 3.59% 3.86% 4.50% 4.98% 5.63% 7.86% 9.25%
MCO inventory 0.64% 0.68% 0.70% 0.68% 0.81% 0.97% 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
MCO payables 8.67% 7.36% 7.05% 7.78% 8.37% 7.53% 7.31% 8.73% 27.11% 11.05% 11.94% 12.26% 14.02% 15.72% 16.30%
MCO receivables 11.62% 11.35% 11.51% 11.72% 11.52% 13.82% 13.51% 13.35% 16.65% 15.65% 16.97% 15.79% 15.68% 17.00% 19.57%
MCO goodwill 38.66% 40.73% 40.69% 40.87% 36.72% 36.26% 39.69% 43.67% 19.20% 19.05% 21.87% 15.14% 16.09% 22.32% 18.31%
MCO unearned_revenue_balancesheet 9.38% 9.00% 8.77% 8.51% 8.78% 10.23% 10.00% 10.27% 12.82% 12.40% 13.38% 13.62% 13.76% 18.08% 20.00%
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)


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