MCO
Moody's Corporation
MCO has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over MCO overall, supported by stronger modeled upside and stronger valuation.
MCO Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
MCO's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like MCO.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
MCO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 28x | $507 | — |
| Cheap | 30x | $495 | -2.3% |
| Current | 31x | $507 | — |
| Fair | 35x | $576 | +14% |
| Expensive | 44x | $719 | +42% |
Historical ranges are pointers, not guarantees.
MCO's PE is in its cheap range at 31x. If earnings grow as analysts expect, today's price would be 28x next year's earnings.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over MCO in the historical PE scenario, which offers more potential upside but is not a forecast.
MCO Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Moderate | |
| Moderate |
Analysts expect earnings and revenue growth for MCO, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
MCO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $17.98 | +9.6% |
| Q3 2026 | $16.40 | +32% |
| Q2 2026 | $15.76 | +34% |
| Q1 2026 | $13.94 | +20% |
| Q4 2025 | $13.67 | +21% |
| Q3 2025 | $12.43 | +14% |
| Q2 2025 | $11.76 | +16% |
| Q1 2025 | $11.57 | +26% |
| Q4 2024 | $11.26 | +29% |
MCO has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
MCO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2B | +0.8% |
| Q2 2026 | $2.2B | +15% |
| Q1 2026 | $2.1B | +8.1% |
| Q4 2025 | $1.9B | +13% |
| Q3 2025 | $2B | +11% |
| Q2 2025 | $1.9B | +4.5% |
| Q1 2025 | $1.9B | +7.7% |
| Q4 2024 | $1.7B | +13% |
MCO's revenue has grown year over year for 14 quarters in a row: $2B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | -0.9 points |
| Q2 2026 | 48% | +4.8 points |
| Q1 2026 | 44% | +0.4 points |
| Q4 2025 | 41% | +7.2 points |
| Q3 2025 | 46% | +5 points |
| Q2 2025 | 43% | +0.5 points |
| Q1 2025 | 44% | -0.9 points |
| Q4 2024 | 34% | -0.1 points |
MCO has the edge over SOFI on profitability, with a higher operating margin.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over MCO on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
MCO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $668M | +1.5% |
| Q2 2026 | $688M | +47% |
| Q1 2026 | $844M | +26% |
| Q4 2025 | $777M | +29% |
| Q3 2025 | $658M | +4.3% |
| Q2 2025 | $468M | -21% |
| Q1 2025 | $672M | -3.6% |
| Q4 2024 | $600M | +49% |
MCO has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
MCO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -1.2M shares |
| 1 year | -3.5% | -6.3M shares |
| 3 years | -5.8% | -10.7M shares |
| 5 years | -7.5% | -14M shares |
| Available history | -9.6% | -18.3M shares |
MCO has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $388M |
| Q2 2026 | $694M |
| Q1 2026 | $1.5B |
| Q4 2025 | $437M |
| Q3 2025 | $513M |
| Q2 2025 | $284M |
| Q1 2025 | $373M |
| Q4 2024 | $480M |
MCO spent $3B buying back its own shares over the past year, up 81% from the year before.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
MCO Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.3x | Healthy |
| Q2 2026 | 1.3x | Healthy |
| Q1 2026 | 1.4x | Healthy |
| Q4 2025 | 1.2x | Healthy |
| Q3 2025 | 1.3x | Healthy |
| Q2 2025 | 1.4x | Healthy |
| Q1 2025 | 1.4x | Healthy |
| Q4 2024 | 1.5x | Healthy |
MCO's net debt is about 1.3 years of its operating earnings (EBITDA), about the same as a year ago. Net leverage isn't a meaningful measure for financial services companies like MCO.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over MCO on leverage, with a lower net debt burden relative to earnings.
MCO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.2 | Neutral |
| Stochastic | 70.3 | Neutral |
MCO's weekly RSI is 58 (neutral) and its Stochastic is 70 (neutral).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
MCO PE vs Financial Services Sector
| Metric | MCO | Sector median | Relative |
|---|---|---|---|
| PE | 31x | 13x | 137% above |
| PE % | 22 | 63 | 41 pts below |
MCO is trading at 31x earnings, a 137% premium to the Financial Services sector's median of 13x.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI has the edge over MCO on valuation relative to its sector.
MCO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $481.1 | 5.3% above |
| 20 week MA | $485.3 | 4.4% above |
| 50 week MA | $474.1 | 6.8% above |
| 100 week MA | $477.9 | 6% above |
| 200 week MA | $428.7 | 18% above |
MCO has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
MCO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $239.3 | $278.9 | +17% |
| 2021 | $278.9 | $397.3 | +42% |
| 2022 | $397.3 | $278.8 | -30% |
| 2023 | $278.8 | $390.6 | +40% |
| 2024 | $390.6 | $476.8 | +22% |
| 2025 | $476.8 | $520.0 | +9.1% |
| 2026 YTD | $520.0 | $506.6 | -2.6% |
MCO has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.