Moody’s Corporation vs TransUnion, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Moody's earns 79.4% on equity, TransUnion 14.3%, but the gap is mostly capital structure: Moody's 2.4 turns of debt and buyback-hollowed equity inflate the ratio, and on assets the truer read is 16.9% against 5.85%, still Moody's by a wide margin. Both are data-and-analytics businesses, Moody's on debt ratings, TransUnion on consumer credit, with no loan risk. Moody's nets 31.7% of revenue to TransUnion's 14.9%, and trades at 32.3 times earnings against 19.5. Both pay small dividends. The pair prices two information tolls of different depth; Moody's ratings franchise is the deeper moat and earns the richer margin, TransUnion's bureau the shallower one at a lower multiple, the market ranking them by the durability of their recurring revenue.
Comparison updated 2026-07-11.
| Metric | MCO | TRU |
|---|---|---|
| Price | $449.85 | $70.34 |
| Market cap | $79.8B | $13.7B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| Implied growth (priced in) | +24.5% | +23.5% |
| P/E | 32.3 | 19.5 |
| P/B | 25.38 | 2.78 |
| P/S | 10.13 | 2.89 |
| EV/EBITDA | 21.9 | 12.9 |
| Revenue growth | +9.1% | +11.0% |
| Operating margin | 44.4% | 19.6% |
| Net margin | 31.7% | 14.9% |
| Return on equity | 79.4% | 14.3% |
| Return on assets | 16.9% | 5.8% |
| Dividend yield | 0.8% | 0.7% |
| Debt / equity | 2.40 | 1.14 |
| Current ratio | 1.16 | 1.93 |
| Altman Z (solvency) | 6.66 | 2.07 |
| Piotroski F (quality) | 7 / 9 | 5 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.