WallStSmart

Moodys Corporation (MCO)vsTransUnion (TRU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Moodys Corporation generates 67% more annual revenue ($7.87B vs $4.73B). MCO leads profitability with a 31.7% profit margin vs 14.9%. TRU appears more attractively valued with a PEG of 1.06. TRU earns a higher WallStSmart Score of 72/100 (B).

MCO

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 9.5Value: 4.3Quality: 6.0
Piotroski: 6/9Altman Z: 3.17

TRU

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 6.5Value: 5.7Quality: 6.0
Piotroski: 6/9Altman Z: 1.52

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MCO5 strengths · Avg: 9.8/10
Return on EquityProfitability
83.3%10/10

Every $100 of equity generates 83 in profit

Profit MarginProfitability
31.7%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
45.7%10/10

Strong operational efficiency at 45.7%

Altman Z-ScoreHealth
3.1710/10

Safe zone — low bankruptcy risk

Market CapQuality
$79.23B9/10

Large-cap with strong market position

TRU1 strengths · Avg: 10.0/10
EPS GrowthGrowth
172.0%10/10

Earnings expanding 172.0% YoY

Areas to Watch

MCO4 concerns · Avg: 2.8/10
PEG RatioValuation
2.114/10

Expensive relative to growth rate

P/E RatioValuation
32.6x4/10

Premium valuation, high expectations priced in

Price/BookValuation
26.3x2/10

Trading at 26.3x book value

Debt/EquityHealth
2.441/10

Elevated debt levels

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

Distress zone — elevated risk

Debt/EquityHealth
1.203/10

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 31.7% and operating margin at 45.7%.

Bull Case : TRU

The strongest argument for TRU centers on EPS Growth. Revenue growth of 13.7% demonstrates continued momentum. PEG of 1.06 suggests the stock is reasonably priced for its growth.

Bear Case : MCO

The primary concerns for MCO are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.44 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 mature stock while TRU is a value play — different risk/reward profiles.

TRU carries more volatility with a beta of 1.55 — expect wider price swings.

TRU is growing revenue faster at 13.7% — sustainability is the question.

MCO generates stronger free cash flow (844M), providing more financial flexibility.

Bottom Line

TRU scores higher overall (72/100 vs 61/100) and 13.7% revenue growth. Both earn "Strong Buy" and "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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