Moody’s is a US credit rating agency and financial data provider. Moody’s Ratings assesses the creditworthiness of governments and companies; Moody’s Analytics sells data, risk models and software to banks, insurers and companies. As of Oct 11, 2026
Moody’s provides data, analytics and credit assessments that customers use to evaluate risks. The MIS segment publishes credit ratings on debt instruments, programs and credit facilities, for example of companies, financial institutions and government issuers, as well as on structured finance. Most of MIS’s revenue consists of rating fees paid by issuers, supplemented by annual fees, for example for monitoring. The MA segment offers curated data, insights and analytics tools as well as cloud-based subscription solutions for banks, insurers and counterparty due diligence. Its customers include banks, insurers, investors, companies and governments.
Automatically summarized from SEC annual report (10-K, filed Feb 18, 2026) (website of the US Securities and Exchange Commission) · reviewed Oct 14, 2026
Our own calculation from the exchange’s daily candles, as of Oct 27, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.
Was in the buy zone
The price was in the buy zone and is now back just above it.
As of: Close of the 4-hour candle Oct 27, 2026, 18:30 · Buy zone in the trade plan · An observation, not investment advice
Rule (4-hour candles) Zone valid since Oct 21, 2026 · unchanged since then Zone historyThe zone history shows since when a buy zone has applied, when it was adjusted and when the price touched or left it. Recording began on Oct 12, 2026, only runs forward and fills nothing in – older zones are marked “known at start of recording” or “already existing when added”.Example: New buy zone on Oct 14, no adjustment since → “zone valid since Oct 14, 2026 · unchanged since”.More in the Academy: Lesson buy zone and Fibonacci
Watcher Full history: every change of the buy zone with its date.
Weekly candles (1W) Zone known when recording started (recording since Oct 12, 2026) · Setup confirmed on Sep 8, 2026 · last changed in the Week from Oct 12, 2026 Zone historyThe zone history shows since when a buy zone has applied, when it was adjusted and when the price touched or left it. Recording began on Oct 12, 2026, only runs forward and fills nothing in – older zones are marked “known at start of recording” or “already existing when added”.Example: New buy zone on Oct 14, no adjustment since → “zone valid since Oct 14, 2026 · unchanged since”.More in the Academy: Lesson buy zone and Fibonacci
Watcher Full history: every change of the buy zone with its date.
Timeframe 1 week · As of Oct 23, 2026 · display only, the rule works on 4-hour candles
Elliott count: Combination (W-X-Y-X-Z), Corrective pattern (upward), Z in progress (3 of 3 guidelines) · X = 74% of W; Y = 116% of W; X = 83% of Y; Z = 46% of W–Y
Comparison: The rule treats the last rise as the possible start of an upward impulse (without checking its history and structure). The Elliott count reads it as the end of an upward correction (Y).
Elliott count calculated automatically by fixed Elliott rules, not investment advice – display only, our buy zones do not use it. Provisional: The count can change with new candles.
Automated analysis (rule-based): the rule calculates waves and Fibonacci levels from the completed weekly candles; the chart is recalculated every day. Not investment advice. On this timeframe the chart only shows the rule setup (swing detection 2 × ATR) – the rule itself works on 4-hour candles. Axis and values: distance from the top of the buy zone in %, no prices. Fibonacci measured logarithmically (weekly candles).
On phones the drawing toolbar is hidden – drawing works better on a desktop.
Timeframe 1 day · As of Oct 27, 2026 · display only, the rule works on 4-hour candles
Elliott count: Impulse, Impulse pattern (upward), Wave 2 in progress (2 of 2 guidelines) · W2 = 69% of W1
Alternative (not drawn): Flat (running), Corrective pattern (upward), C complete (2 of 3 guidelines)
Elliott count calculated automatically by fixed Elliott rules, not investment advice – display only, our buy zones do not use it. Provisional: The count can change with new candles.
Automated analysis (rule-based): the rule calculates waves and Fibonacci levels from the completed daily candles; the chart is recalculated every day. Not investment advice. On this timeframe the chart only shows the rule setup (swing detection 3 × ATR) – the rule itself works on 4-hour candles. Axis and values: distance from the top of the buy zone in %, no prices.
On phones the drawing toolbar is hidden – drawing works better on a desktop.
Timeframe 4 hours · As of Oct 27, 2026
Elliott count: Impulse, Impulse pattern (upward), Wave 2 in progress (2 of 2 guidelines) · W2 = 65% of W1
Comparison: Rule and Elliott count agree: wave 2 in progress.
Alternative (not drawn): Flat (running), Corrective pattern (upward), C complete (2 of 3 guidelines)
Before (drawn faintly): Impulse, Wave 3 complete
Elliott count calculated automatically by fixed Elliott rules, not investment advice – display only, our buy zones do not use it. Provisional: The count can change with new candles.
Automated analysis (rule-based): the rule calculates waves and Fibonacci levels from the completed 4-hour candles; the chart is recalculated every hour. Not investment advice. Axis and values: distance from the top of the buy zone in %, no prices.
On phones the drawing toolbar is hidden – drawing works better on a desktop.
Timeframe 1 hour · As of Oct 27, 2026 · display only, the rule works on 4-hour candles
Elliott count: Flat (running), Corrective pattern (upward), C complete (3 of 3 guidelines) · B = 103% of A; C = 100% of A
Comparison: The rule treats the last rise as the possible start of an upward impulse (without checking its history and structure). The Elliott count reads it as the end of an upward correction (C).
Note: Running flat: rare, only in strong trends.
Elliott count calculated automatically by fixed Elliott rules, not investment advice – display only, our buy zones do not use it. Provisional: The count can change with new candles.
Automated analysis (rule-based): the rule calculates waves and Fibonacci levels from the completed hourly candles; the chart is recalculated every hour. Not investment advice. On this timeframe the chart only shows the rule setup (swing detection 4 × ATR) – the rule itself works on 4-hour candles. Axis and values: distance from the top of the buy zone in %, no prices.
On phones the drawing toolbar is hidden – drawing works better on a desktop.
Timeframe 1 week · As of Oct 23, 2026 · from the Elliott count in the analysis chart
Weighting Main scenario (3 of 3 guidelines, strong) · no alternative Guidelines (strength of the count)Guidelines are typical features of a count, such as usual Fibonacci lengths or a change in the form of correction. Strong means: at least three quarters met, medium: at least half, otherwise weak. Even a strong count can flip.Example: 3 of 3 guidelines → strong; 2 of 4 → medium; 1 of 3 → weak.More in the Academy: Lesson wave degrees
Weighting by guidelines met – not a probability.
As long as the weekly close stays above the end of the second X, this applies: complex countermove upward (Combination W-X-Y-X-Z), Z in progress – count points to rising prices.
Invalid if the weekly close is below the end of the second X (−4.4% from the top of the zone)
If that breaks, this count no longer applies. Currently no alternative that follows the rules.
Timeframe 1 day · As of Oct 27, 2026 · from the Elliott count in the analysis chart
Weighting Main scenario: ahead (2 of 2 guidelines, strong) · Alternative: behind (2 of 3, medium) Guidelines (strength of the count)Guidelines are typical features of a count, such as usual Fibonacci lengths or a change in the form of correction. Strong means: at least three quarters met, medium: at least half, otherwise weak. Even a strong count can flip.Example: 3 of 3 guidelines → strong; 2 of 4 → medium; 1 of 3 → weak.More in the Academy: Lesson wave degrees
Weighting by guidelines met – not a probability.
As long as the daily close stays above the start of wave 1, this applies: Upward move in five waves (Impulse), wave 2 in progress (pullback) – count then points to rising prices.
Invalid if the daily close is below the start of wave 1 (−4.7% from the top of the zone)
If that breaks, the alternative moves to the front: flat countermove upward in three waves (Flat, running), C complete – count points to falling prices, as long as the daily close stays below the end of C.
Invalid if the daily close is above the end of C (+7.6% from the top of the zone)
Timeframe 4 hours · As of Oct 27, 2026 · from the Elliott count in the analysis chart
Weighting Main scenario: ahead (2 of 2 guidelines, strong) · Alternative: behind (2 of 3, medium) Guidelines (strength of the count)Guidelines are typical features of a count, such as usual Fibonacci lengths or a change in the form of correction. Strong means: at least three quarters met, medium: at least half, otherwise weak. Even a strong count can flip.Example: 3 of 3 guidelines → strong; 2 of 4 → medium; 1 of 3 → weak.More in the Academy: Lesson wave degrees
Weighting by guidelines met – not a probability.
As long as the 4-hour close stays above the start of wave 1, this applies: Upward move in five waves (Impulse), wave 2 in progress (pullback) – count then points to rising prices.
Invalid if the 4-hour close is below the start of wave 1 (−4.7% from the top of the zone)
If that breaks, the alternative moves to the front: flat countermove upward in three waves (Flat, running), C complete – count points to falling prices, as long as the 4-hour close stays below the end of C.
Invalid if the 4-hour close is above the end of C (+7.6% from the top of the zone)
Timeframe 1 hour · As of Oct 27, 2026 · from the Elliott count in the analysis chart
Weighting Main scenario (3 of 3 guidelines, strong) · no alternative Guidelines (strength of the count)Guidelines are typical features of a count, such as usual Fibonacci lengths or a change in the form of correction. Strong means: at least three quarters met, medium: at least half, otherwise weak. Even a strong count can flip.Example: 3 of 3 guidelines → strong; 2 of 4 → medium; 1 of 3 → weak.More in the Academy: Lesson wave degrees
Weighting by guidelines met – not a probability.
As long as the hourly close stays below the end of C, this applies: flat countermove upward in three waves (Flat, running), C complete – count points to falling prices.
Invalid if the hourly close is above the end of C (+4.7% from the top of the zone)
If that breaks, this count no longer applies. Currently no alternative that follows the rules.
The price reached the buy zone (0 to −2.1% from its top) and last closed back above it. Rule trigger: after the touch a swing high forms, and a daily close is above it. If the price closes below the start of wave 1 (−4.7%), the setup is void. All percentages: distance from the top of the buy zone.
In the TradingView chart: Draw the buy zone in the chart with the Fibonacci tool (instructions next to the wave chart) or as two horizontal lines (tool “Horizontal Line”). If the price closes below the start of wave 1 (−4.7%), the setup is void – without an entry of the rule.
Exit with a gain
Buy zone – Rule trigger: candle close above the swing high
Exit at a loss
Watcher Target 1, Target 2 and stop for this zone – with distance in percent and reward/risk – are available from Watcher. Plans and pricing Percentages from the top of the buy zone (61.8%) – not a forecast.
Rule-based, long only, 4-hour candles. Not a forecast and not investment advice. Lesson: the buy zone in 4 minutes
Moody's Corporation · Sector Financials · amounts in USD
Information only – does not affect our buy zones, not investment advice. Source: SEC filings, As of Feb 18, 2026.
Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.
Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 7.7B USD · Net income 2.5B USD · Net margin 31.9%
Each light follows a simple, disclosed rule. The comparison is with the sector median Sector medianThe middle value of all companies in a sector: half are above it, half below. Unlike the average, single outliers hardly distort it.Example: Margins 4%, 8%, 10%, 12%, 60% → median 10%, average 18.8%.More in the Academy: Lesson putting the P/E in context of all 79 symbols in the Financials sector on our list (current members of the S&P 500 and other lists).
+7.5% per year, last 5 years
Sector Financials: median +8.8% (73 symbols)
What does this mean? Revenue: over 5 years it grew by 7.5% per year on average, but more slowly than the median company in the sector (+8.8%).
Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.
+6.7% per year, last 5 years
Sector Financials: median +13.8% (71 symbols)
per share: +7.8% per year (5 years, split-adjusted)
What does this mean? Total net income: over 5 years it grew by 6.7% per year on average, but more slowly than the median company in the sector (+13.8%).
Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.
31.9% last fiscal year
Sector Financials: median 19.4% (75 symbols)
What does this mean? Of every 100 USD in revenue, 31.86 USD remained as profit – at least as much as the median company in the sector (19.4%). Five years ago the margin was 33.1%.
Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.
2.11 latest balance sheet
Sector Financials: median 0.63 (47 symbols)
What does this mean? For every 1 USD of equity there is 2.11 USD of financial debt – more than twice as much as the median company in the sector (0.63). For banks and insurers, debt is part of the business – so the comparison is only with their own sector.
Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.
28% Dividend / earnings per share
Sector Financials: median 34% (58 symbols)
What does this mean? Of every 1 USD of earnings per share, 0.28 USD went to shareholders as a dividend. The rest stays in the company. Median company in the sector: 34%.
Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.
10 of 10 fiscal years with a profit
What does this mean? In 10 of the last 10 fiscal years the bottom line showed a profit. There were no losses in this period.
Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).
| Year | End | Revenue | Net income | Margin | Earnings per share | Dividend per share | Payout |
|---|---|---|---|---|---|---|---|
| 2025 | Dec 31, 2025 | 7.7B | 2.5B | 31.9% | 13.67 | 3.76 | 28% |
| 2024 | Dec 31, 2024 | 7.1B | 2.1B | 29.0% | 11.26 | 3.40 | 30% |
| 2023 | Dec 31, 2023 | 5.9B | 1.6B | 27.2% | 8.73 | 3.08 | 35% |
| 2022 | Dec 31, 2022 | 5.5B | 1.4B | 25.1% | 7.44 | 2.80 | 38% |
| 2021 | Dec 31, 2021 | 6.2B | 2.2B | 35.6% | 11.78 | 2.48 | 21% |
| 2020 | Dec 31, 2020 | 5.4B | 1.8B | 33.1% | 9.39 | 2.24 | 24% |
| 2019 | Dec 31, 2019 | 4.8B | 1.4B | 29.4% | 7.42 | 2.00 | 27% |
| 2018 | Dec 31, 2018 | 4.4B | 1.3B | 29.5% | 6.74 | 1.76 | 26% |
| 2017 | Dec 31, 2017 | 4.2B | 1.0B | 23.8% | 5.15 | 1.14 | 22% |
| 2016 | Dec 31, 2016 | 3.6B | 266.6M | 7.4% | 1.36 | 1.49 | 110% |
| Quarter | End | Revenue | Net income | Margin | Earnings per share | Dividend per share | Payout |
|---|---|---|---|---|---|---|---|
| Q3/26 | Sep 30, 2026 | 2.0B | 734.0M | 36.3% | 4.24 | 1.03 | 24% |
| Q2/26 | Jun 30, 2026 | 2.2B | 878.0M | 40.2% | 5.03 | 1.03 | 20% |
| Q1/26 | Mar 31, 2026 | 2.1B | 661.0M | 31.8% | 3.73 | 1.03 | 28% |
| Q4/25* | Dec 31, 2025 | 1.9B | 610.0M | 32.3% | – | 0.94 | – |
| Q3/25 | Sep 30, 2025 | 2.0B | 646.0M | 32.2% | 3.60 | 0.94 | 26% |
| Q2/25 | Jun 30, 2025 | 1.9B | 578.0M | 30.5% | 3.21 | 0.94 | 29% |
| Q1/25 | Mar 31, 2025 | 1.9B | 625.0M | 32.5% | 3.46 | 0.94 | 27% |
| Q4/24* | Dec 31, 2024 | 1.7B | 395.0M | 23.6% | – | 0.85 | – |
| Q3/24 | Sep 30, 2024 | 1.8B | 534.0M | 29.5% | 2.93 | 0.85 | 29% |
| Q2/24 | Jun 30, 2024 | 1.8B | 552.0M | 30.4% | 3.02 | 0.85 | 28% |
| Q1/24 | Mar 31, 2024 | 1.8B | 577.0M | 32.3% | 3.15 | 0.85 | 27% |
| Q4/23* | Dec 31, 2023 | 1.5B | 340.0M | 23.0% | – | 0.77 | – |
* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.
How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year Growth per year (CAGR)The average annual growth rate over several years, as if the value had grown equally strongly every year. Individual good or bad years even out in it.Example: Revenue €100m → €161m in 5 years → (161 ÷ 100) to the power of 1/5 − 1 = 10% per year.More in the Academy: Lesson debt, dividends and growth over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.
| Period | Purchases | Sales | Net |
|---|---|---|---|
| 3 months | $00 people | $1.9M1 person | −$1.9M |
| 6 months | $00 people | $4.1M2 people | −$4.1M |
| 12 months | $00 people | $13.8M5 people | −$13.8M |
Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.
ATR ATR (Average True Range)The average range per trading day over the last 14 days. It makes distances comparable, whether a stock costs 10 or 1,000.Example: ATR 2.50 at a price of 100: 0.4 ATR is 1.00, i.e. 1%.More in the Academy: Lesson ATR and moving averages as price values only when logged in.
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