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MCO vs TRU
Which Stock Would AI Choose? Moody's Corporation (MCO) vs. TransUnion (TRU) Stock Comparison
Key Takeaways
- MCO has demonstrated stronger recent momentum, gaining approximately 6% in recent weeks following robust Q1 earnings.
- TRU leads year-to-date with about 15% returns, outperforming MCO's 10.5%, amid broader market volatility.
- Both companies operate in financial data and analytics, but MCO boasts superior profit margins (32%) and return on equity (71%), reflecting operational efficiency.
- TRU carries higher beta (1.71), indicating greater price volatility compared to MCO (1.45).
- Analyst consensus favors both with buy ratings, but MCO's average price target implies greater upside potential relative to current levels.
Introduction
Moody's Corporation (MCO) and TransUnion (TRU) are key players in the financial data and analytics sector, providing essential services for credit assessment and risk management. This comparison analyzes their business models, recent market performance, and positioning amid evolving economic conditions. Traders seeking exposure to credit-related stocks and investors focused on stable financial services may find value in evaluating their relative strengths, growth trajectories, and responses to recent market dynamics.
MCO Overview and Recent Performance
Moody's Corporation (MCO) is a leading provider of credit ratings, research, and risk analysis tools, operating through its Moody's Ratings and Moody's Analytics segments. In recent market activity, MCO shares have climbed around 6% over the past 30 days, rebounding steadily from lows near $432 to approximately $456. This uptrend follows strong first-quarter 2026 results, with revenue growth in ratings and analytics driven by heightened demand and AI integration. Sentiment has improved due to adjusted operating income expansion and positive analyst upgrades, including overweight ratings with price targets up to $590. Trading near the middle of its 52-week range ($402–$547), MCO reflects resilience in a volatile environment, supported by a market cap exceeding $79 billion and a trailing P/E (price-to-earnings) ratio of 32.7.
TRU Overview and Recent Performance
TransUnion (TRU) specializes in consumer credit reporting, analytics, and decisioning solutions, serving financial institutions and businesses globally. Recent weeks have seen TRU shares fluctuate around $72–$78 within a 52-week range of $65–$99, with market capitalization rising modestly by over 2% in the past 30 days to about $14 billion. Year-to-date gains of 15% have outpaced the S&P 500, bolstered by ongoing demand for big data solutions like OneTru and TrueIQ. However, higher debt levels (debt-to-equity at 113%) and institutional sales have tempered momentum. With a trailing P/E ratio of 31.3 and analyst price targets averaging $92, TRU maintains appeal for growth-oriented exposure despite elevated beta-driven volatility.
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Head-to-Head Comparison
MCO and TRU both leverage data analytics in financial services, but differ in focus: MCO's ratings dominance provides recurring revenue stability, while TRU's consumer credit data emphasizes transactional growth. MCO edges in profitability (32% margins vs. 10%) and scale ($80B vs. $14B market cap), but TRU shows faster YTD momentum. Risk profiles contrast with TRU's higher beta exposing it to economic swings, versus MCO's steadier trends. Market sentiment favors MCO post-earnings, while TRU benefits from analytics expansion amid softening rental demand signals.
Tickeron AI Verdict
Tickeron's AI currently leans toward MCO due to its consistent upward trend, superior earnings stability, and recent catalysts like Q1 growth and analyst upgrades. While TRU offers higher short-term relative performance, MCO's lower volatility and stronger fundamentals position it better for sustained outperformance in the near term.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is MCO is a Buy and TRU is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
MCO’s FA Score shows that 1 FA rating(s) are green whileTRU’s FA Score has 0 green FA rating(s).
- MCO’s FA Score: 1 green, 4 red.
- TRU’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
MCO’s TA Score shows that 4 TA indicator(s) are bullish while TRU’s TA Score has 3 bullish TA indicator(s).
- MCO’s TA Score: 4 bullish, 5 bearish.
- TRU’s TA Score: 3 bullish, 6 bearish.
Price Growth
MCO (@Financial Publishing/Services) experienced а -1.48% price change this week, while TRU (@Financial Publishing/Services) price change was -4.28% for the same time period.
The average weekly price growth across all stocks in the @Financial Publishing/Services industry was -4.86%. For the same industry, the average monthly price growth was -6.55%, and the average quarterly price growth was -18.94%.
Reported Earning Dates
MCO is expected to report earnings on Jul 28, 2026.
TRU is expected to report earnings on Jul 28, 2026.
Industries' Descriptions
@Financial Publishing/Services (-4.86% weekly)The financial publishing /services sector includes companies that provide informational products and services that are of value to investors, financial/analytics professionals and other interested readers. The products include real-time stock quotes, financial news and analyses. Think S&P Global, Inc., Moody`s Corporation, Thomson-Reuters Corp and IHS Markit Ltd. Information is critical in making financial or investment decisions, and what makes this industry’s output relevant at all times, across various economic conditions.
| MCO | TRU | MCO / TRU | |
| Capitalization | 78.1B | 12.4B | 630% |
| EBITDA | 3.96B | 1.71B | 232% |
| Gain YTD | -12.036 | -24.603 | 49% |
| P/E Ratio | 32.09 | 17.85 | 180% |
| Revenue | 7.87B | 4.73B | 167% |
| Total Cash | 1.51B | 733M | 206% |
| Total Debt | 7.31B | 5.69B | 129% |
MCO | TRU | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 21 | 19 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 86 Overvalued | 51 Fair valued | |
PROFIT vs RISK RATING 1..100 | 56 | 100 | |
SMR RATING 1..100 | 15 | 56 | |
PRICE GROWTH RATING 1..100 | 55 | 73 | |
P/E GROWTH RATING 1..100 | 73 | 97 | |
SEASONALITY SCORE 1..100 | n/a | 90 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
TRU's Valuation (51) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for MCO (86) in the Financial Publishing Or Services industry. This means that TRU’s stock grew somewhat faster than MCO’s over the last 12 months.
MCO's Profit vs Risk Rating (56) in the Financial Publishing Or Services industry is somewhat better than the same rating for TRU (100) in the Miscellaneous Commercial Services industry. This means that MCO’s stock grew somewhat faster than TRU’s over the last 12 months.
MCO's SMR Rating (15) in the Financial Publishing Or Services industry is somewhat better than the same rating for TRU (56) in the Miscellaneous Commercial Services industry. This means that MCO’s stock grew somewhat faster than TRU’s over the last 12 months.
MCO's Price Growth Rating (55) in the Financial Publishing Or Services industry is in the same range as TRU (73) in the Miscellaneous Commercial Services industry. This means that MCO’s stock grew similarly to TRU’s over the last 12 months.
MCO's P/E Growth Rating (73) in the Financial Publishing Or Services industry is in the same range as TRU (97) in the Miscellaneous Commercial Services industry. This means that MCO’s stock grew similarly to TRU’s over the last 12 months.
| MCO | TRU | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 2 days ago 53% | 2 days ago 64% |
| Momentum ODDS (%) | 2 days ago 49% | 2 days ago 71% |
| MACD ODDS (%) | 2 days ago 62% | 2 days ago 68% |
| TrendWeek ODDS (%) | 2 days ago 52% | 2 days ago 67% |
| TrendMonth ODDS (%) | 2 days ago 52% | 2 days ago 71% |
| Advances ODDS (%) | 8 days ago 59% | 8 days ago 66% |
| Declines ODDS (%) | 2 days ago 52% | 13 days ago 67% |
| BollingerBands ODDS (%) | 2 days ago 53% | 2 days ago 76% |
| Aroon ODDS (%) | 2 days ago 43% | 2 days ago 64% |
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MCO and
Correlation & Price change
A.I.dvisor indicates that over the last year, MCO has been closely correlated with SPGI. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if MCO jumps, then SPGI could also see price increases.
| Ticker / NAME | Correlation To MCO | 1D Price Change % | ||
|---|---|---|---|---|
| MCO | 100% | -0.74% | ||
| SPGI - MCO | 88% Closely correlated | -0.86% | ||
| JEF - MCO | 66% Closely correlated | +1.14% | ||
| MSCI - MCO | 66% Closely correlated | -0.06% | ||
| SF - MCO | 66% Loosely correlated | +0.37% | ||
| GS - MCO | 66% Loosely correlated | +0.89% | ||
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TRU and
Correlation & Price change
A.I.dvisor indicates that over the last year, TRU has been loosely correlated with EFX. These tickers have moved in lockstep 65% of the time. This A.I.-generated data suggests there is some statistical probability that if TRU jumps, then EFX could also see price increases.
| Ticker / NAME | Correlation To TRU | 1D Price Change % | ||
|---|---|---|---|---|
| TRU | 100% | -0.26% | ||
| EFX - TRU | 65% Loosely correlated | -0.29% | ||
| SPGI - TRU | 57% Loosely correlated | -0.86% | ||
| MCO - TRU | 56% Loosely correlated | -0.74% | ||
| EXPO - TRU | 51% Loosely correlated | -1.86% | ||
| MORN - TRU | 49% Loosely correlated | -0.18% | ||
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