WallStSmart

Moodys Corporation (MCO)vsTransUnion (TRU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Moodys Corporation generates 67% more annual revenue ($8.16B vs $4.90B). MCO leads profitability with a 34.3% profit margin vs 15.1%. TRU appears more attractively valued with a PEG of 1.08. TRU earns a higher WallStSmart Score of 72/100 (B).

MCO

Strong Buy

71

out of 100

Grade: B

Growth: 8.7Profit: 10.0Value: 5.0Quality: 6.0
Piotroski: 6/9Altman Z: 3.17

TRU

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 5.7Quality: 6.0
Piotroski: 6/9Altman Z: 1.52

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MCO6 strengths · Avg: 9.8/10
Return on EquityProfitability
92.4%10/10

Every $100 of equity generates 92 in profit

Profit MarginProfitability
34.3%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
49.5%10/10

Strong operational efficiency at 49.5%

EPS GrowthGrowth
56.7%10/10

Earnings expanding 56.7% YoY

Altman Z-ScoreHealth
3.1710/10

Safe zone — low bankruptcy risk

Market CapQuality
$82.25B9/10

Large-cap with strong market position

TRU1 strengths · Avg: 8.0/10
EPS GrowthGrowth
32.1%8/10

Earnings expanding 32.1% YoY

Areas to Watch

MCO4 concerns · Avg: 2.8/10
PEG RatioValuation
1.624/10

Expensive relative to growth rate

P/E RatioValuation
29.7x4/10

Moderate valuation

Price/BookValuation
27.2x2/10

Trading at 27.2x book value

Debt/EquityHealth
2.491/10

Elevated debt levels

TRU2 concerns · Avg: 3.5/10
Altman Z-ScoreHealth
1.524/10

Distress zone — elevated risk

Debt/EquityHealth
1.173/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : MCO

The strongest argument for MCO centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 34.3% and operating margin at 49.5%. Revenue growth of 15.1% demonstrates continued momentum.

Bull Case : TRU

The strongest argument for TRU centers on EPS Growth. Profitability is solid with margins at 15.1% and operating margin at 19.7%. Revenue growth of 14.9% demonstrates continued momentum.

Bear Case : MCO

The primary concerns for MCO are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.49 is elevated, increasing financial risk.

Bear Case : TRU

The primary concerns for TRU are Altman Z-Score, Debt/Equity.

Key Dynamics to Monitor

MCO profiles as a growth stock while TRU is a mature play — different risk/reward profiles.

TRU carries more volatility with a beta of 1.54 — expect wider price swings.

MCO is growing revenue faster at 15.1% — sustainability is the question.

MCO generates stronger free cash flow (684M), providing more financial flexibility.

Bottom Line

TRU scores higher overall (72/100 vs 71/100), backed by strong 15.1% margins and 14.9% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Moodys Corporation

FINANCIAL SERVICES · FINANCIAL DATA & STOCK EXCHANGES · USA

Moody's Corporation, often referred to as Moody's, is an American business and financial services company. It is the holding company for Moody's Investors Service (MIS), an American credit rating agency, and Moody's Analytics (MA), an American provider of financial analysis software and services.

TransUnion

FINANCIAL SERVICES · FINANCIAL DATA & STOCK EXCHANGES · USA

TransUnion offers risk and information solutions. The company is headquartered in Chicago, Illinois.

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