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Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
Moody’s (MCO) investor relations material
Moody’s Oppenheimer 28th Annual Technology, Internet & Communications Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Oppenheimer 28th Annual Technology, Internet & Communications Conference summary11 Aug, 2025
Strategic focus and investment areas
Significant push into AI, with about 40% of products by revenue now including GenAI capabilities and plans to expand this to nearly half the product array within 12–18 months.
Investments target high-growth areas such as lending, insurance underwriting, KYC, and private credit, with recent acquisitions like Cape Analytics enhancing geospatial AI capabilities.
Redeployment of resources includes shifting ESG content production to a partnership model with MSCI, optimizing the product portfolio for growth and margin.
Cross-selling opportunities are expanding as more content and AI tools are integrated into platforms, increasing customer engagement and product adoption.
Ongoing efficiency and restructuring programs leverage AI to boost productivity in engineering, product development, and sales.
Product innovation and AI integration
GenAI tools are embedded in flagship products like CreditView and RMS IRP, enhancing analytics, scenario analysis, and user engagement.
Agentic AI solutions are being rolled out, automating tasks such as credit memo writing and KYC investigations, with some already sold to customers.
AI-enabled products show higher growth rates and improved Net Promoter Scores, with customers spending more time and engaging more deeply with content.
Enhanced CreditLens capabilities support the lending ecosystem, offering synergistic tools across the value chain and driving ARR growth.
RMS platform launches high-definition models for insurance, including severe convective storm modeling, with integration of Cape Analytics data to improve accuracy.
Market expansion and customer opportunities
KYC solutions are expanding from banking into corporate sectors, driven by increased focus on supply chain resiliency and regulatory compliance.
Private credit is a growing segment, with tools and data enabling pre-rating and risk assessment for tens of thousands of unrated companies.
Cross-selling and upselling are facilitated by broader product coverage and AI-driven insights, especially in banking and insurance.
Cape Analytics integration will be reflected in organic ARR after one year, with significant cross-sell potential in property risk assessment.
KYC and third-party risk management businesses are experiencing strong ARR growth, supported by AI-driven efficiency gains in investigative processes.
How does Moody's plan to leverage AI agentically?
What's driving growth in the KYC business?
Update on CAPE Analytics integration timeline
Partial view of Summaries dataset, powered by Quartr API
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Next Moody’s earnings date
Q3 202522 Oct, 2025
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Frequently asked questions
Credit Rating Royalty
Moody's Corporation is a globally recognized financial services company with a primary focus on credit ratings, research, tools, and analysis for investors in debt markets. Today, Moody's Investors Service, its credit rating division, is among the "Big Three" credit rating agencies, alongside Standard & Poor's and Fitch Ratings. Its ratings have become instrumental for investors, lenders, and institutions looking to understand and mitigate financial risk. Besides credit ratings, Moody's Analytics, another segment of the company, provides financial intelligence and analytical tools to assist professionals in making informed decisions.
A Historic Institution
Moody's Corporation, a staple in the global finance sector, traces its origins to John Moody and the early 1900’s. Initially, the company began by producing manuals analyzing the details of stocks and bonds of railroads, an industry of enormous significance at the time. Over the decades, Moody's evolved to become one of the leading credit rating agencies, offering a comprehensive view of risk in various debt instruments. In the late 20th century, Moody's extended its services, delving into research, analytics, and data for investors. Today, its ratings and insights are deeply embedded in the global financial system, guiding investment decisions and providing a measure of trust for market participants worldwide.
Investor’s Services
Moody's Investors Service is the bond credit rating division of Moody's Corporation, its core and most longstanding business function. It rates include government, municipal, and corporate bonds, as well as investment vehicles like money market funds, fixed-income funds, and hedge funds. Moody's also assesses different financial institutions, including both traditional banks and other finance companies. Additionally, they rate certain structured finance asset categories. The aim of these ratings is to offer investors a straightforward tool to gauge the creditworthiness of various securities. Moody’s Investors Services is among the “Big Three” of credit rating agencies together with S&P and Fitch. The latter is not publicly traded,
Analytics
Moody's Analytics operates as a subsidiary of Moody's Corporation works outside of ratings and delivers both software solutions and advisory services. The department conducts in-depth economic research encompassing credit analysis, performance evaluation, financial modeling, structured analysis, and comprehensive risk management. Its offerings include unique economic models, specialized software tools, and expert-led training programs, primarily focusing on risk management proficiency within the financial industry. The analytics business arm has over 40.000 institutions as customers, with names like Tetragon and Barings being found on the list of clients.
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