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Moody's Corporation (MCO) FY2025 10-K Annual Report

Filed: Feb 18, 2026
Information Technology
Services-Consumer Credit Reporting, Collection AgenciesSEC EDGAR
Moody's Corporation Overview

Moody's Corporation (MCO) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 18, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.

Moody's Corporation FY2025 10-K Analysis

Business Overview

  • • Moody's core business: credit rating, research, and risk analysis services
  • • Continued emphasis on enhancing Analytics solutions integrating AI and machine learning capabilities
  • • Strategic focus shift towards expanding data services and SaaS offerings versus traditional rating services
  • • Employee count approx. 5,900 with increased investment in technology and analytics R&D this year
  • • Integration of Proxy Statement information by reference for comprehensive executive and governance disclosures

Management Discussion & Analysis

  • • Revenue $7.72B, up 9% YoY from $7.09B; MA and MIS segments both grew 9%
  • • Operating margin 43.4% vs 40.6%, adjusted operating margin 51.1% vs 48.1% (up 280-300 bps)
  • • Best segment: Moody’s Investors Service operating margin 63.6% vs 60.1%, revenue $4.12B (+9%); Worst segment: higher restructuring charges $108M vs $59M (83% increase)
  • • Net cash flows supported acquisitions, capex increase mainly for MA cloud software; interest expense down by $24M; gain on divestiture $23M; restructuring charges $108M
  • • Management flags FX risk with 39% revenue non-USD and $88M potential unfavorable impact from currency moves; outlook supported by sustained credit and subscription demand

Risk Factors

  • • No specific or timely regulatory/legal risk identified in the provided text
  • • No geopolitical or macroeconomic threat with concrete exposure detail mentioned
  • • No operational or supply chain vulnerability specific to Moody's disclosed
  • • No competitive or market disruption risk involving named competitor or technology cited
  • • No financial or structural risk such as leverage, concentration, or key-person dependency described

Moody's Corporation FY2025 Key Financial Metrics
XBRL

Revenue

$7.7B

▲ +8.9% YoY

Net Income

$2.5B

▲ +19.5% YoY

Operating Margin

43.4%

▲ +286bp YoY

Net Margin

31.9%

▲ +283bp YoY

ROE

60.7%

▲ +293bp YoY

Total Assets

$15.8B

▲ +2.1% YoY

EPS (Diluted)

$13.67

▲ +21.4% YoY

Operating Cash Flow

$2.9B

▲ +2.2% YoY

Source: XBRL data from Moody's Corporation FY2025 10-K filing on SEC EDGAR. All figures in USD.

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