MOODYS CORP /DE/ (MCO)

Moody's Corporation is a global integrated risk assessment firm that provides data, analytical insights, credit ratings and technology to help organizations anticipate, manage and act on interconnected risks. Its offerings rest on proprietary and curated data and validated analytical models, which it turns into decision-grade intelligence that can be embedded in customer workflows, increasingly using AI, Gen AI and agentic AI. The company also provides assessments of creditworthiness for organizations, debt instruments and securities, which brings transparency to global debt markets. It has about 16,000 employees in more than 40 countries.

Moody's has two reportable segments. Moody's Analytics (MA) supplies curated data, intelligence and analytical tools through three parts: Research & Insights, a fixed income and economic research business; Data & Information, built on a large database on companies and credit; and Decision Solutions, three cloud-based subscription businesses serving banking, insurance and KYC workflows. Moody's Investors Service (MIS) has been a provider of credit ratings, research and risk analysis for more than 115 years. It publishes ratings and assessments on corporate, financial institution and governmental obligations and on structured finance securities. MIS also earns smaller, non-material revenue from financial instruments pricing services in Asia-Pacific, Second Party Opinions, Net Zero Assessments and ICRA's non-ratings operations. A third group, Moody's Shared Services, provides IT and professional support such as finance, HR, compliance and legal to both segments.

Customers include banks, insurers, investors, corporations and governments, as well as financial services, corporate and public sector organizations. They use Moody's products to issue, originate, select and underwrite; to identify, measure, monitor and manage risk; and to verify, comply, plan and report. Issuers use ratings to build debt strategies and reach wider investor audiences, and investors use ratings and research to view global debt markets. The risk areas covered include credit, companies, properties, securities, people, economies, climate and ESG. Growth is expected to be influenced by Gen AI and agentic AI, the health of major economies, debt capital markets activity including private credit, disintermediation of credit markets, and demand for integrated data and analytics. Moody's pursues growth through organic development, targeted acquisitions, joint ventures, strategic partnerships and expansion in emerging markets.

Moody's delivers its products through several channels, including cloud-based workflow tools. At December 31, 2025 it had 16,076 employees, including about 2,000 at majority-owned MIS affiliates, with roughly 11,000 outside the U.S. Its executive offices are at 7 World Trade Center, 250 Greenwich Street, New York, NY. The text does not describe suppliers, manufacturing or named competitors.