MCO vs. SCHW: Moody's vs. Charles Schwab Stock Comparison
How do Moody's (MCO) and Charles Schwab (SCHW) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Moody's (MCO) and Charles Schwab (SCHW) both belong to the Capital Markets industry, though MCO is classified under Financial Exchanges & Data while SCHW falls under Investment Banking & Brokerage.
| Profile Item | MCO | SCHW |
|---|---|---|
| Name | Moody's Corporation | The Charles Schwab Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Capital Markets |
| GICS Sub-Industry | Financial Exchanges & Data | Investment Banking & Brokerage |
| Market Capitalization | 87.19 billion USD | 158.22 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 31, 1994 | September 22, 1987 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | MCO | SCHW |
|---|---|---|
| Total Return (1Y) | 5.02% | -0.80% |
| Total Return (3Y, Annualized) | 15.27% | 21.35% |
| Total Return (5Y, Annualized) | 6.21% | 4.31% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | MCO | SCHW |
|---|---|---|
| Volatility (1Y, Annualized) | 28.61% | 26.01% |
| Beta (5Y) | 1.28 | 0.74 |
| Max Drawdown (5Y) | -40.93% | -49.70% |
| Avg. Volume (3M) | 817.57K | 8.22M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | MCO | SCHW |
|---|---|---|
| Sharpe Ratio (1Y) | 0.03 | -0.20 |
| Sortino Ratio (1Y) | 0.04 | -0.26 |
Profitability
ROE (TTM)
Moody's (MCO) at 76.74% clears its industry range for ROE, a sharper capital-efficiency signal than Charles Schwab (SCHW) at 21.12%, which is closer to a typical peer reading.
MCO
Financial Services industry group
76.74%
- MCO
- 76.74%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
SCHW
Financial Services industry group
21.12%
- Max
- 44.78%
- Q3
- 21.85%
- SCHW
- 21.12%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
For every dollar of sales, both Moody's (MCO) at 35.26% and Charles Schwab (SCHW) at 39.33% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
MCO
Financial Services industry group
35.26%
- Max
- 62.84%
- MCO
- 35.26%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
SCHW
Financial Services industry group
39.33%
- Max
- 62.84%
- SCHW
- 39.33%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Moody's (MCO) at 46.27% and Charles Schwab (SCHW) at 52.67% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
MCO
Financial Services industry group
46.27%
- Max
- 107.33%
- Q3
- 55.90%
- MCO
- 46.27%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
SCHW
Financial Services industry group
52.67%
- Max
- 107.33%
- Q3
- 55.90%
- SCHW
- 52.67%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | MCO | SCHW |
|---|---|---|
| ROE (TTM) | 76.74% | 21.12% |
| ROA (TTM) | 15.56% | 2.16% |
| Net Margin (TTM) | 35.26% | 39.33% |
| Operating Margin (TTM) | 46.27% | 52.67% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Moody's (MCO) at 8.89% and Charles Schwab (SCHW) at 22.01% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Charles Schwab (SCHW) at 55.52% sits in the top EPS growth quartile, while Moody's (MCO) at 21.40% is closer to the peer norm — faster per-share earnings growth for SCHW.
Growth Metrics
| Metric | MCO | SCHW |
|---|---|---|
| Revenue Growth (YoY) | 8.89% | 22.01% |
| Revenue Growth (3Y CAGR) | 12.17% | 4.83% |
| EPS Growth (YoY) | 21.40% | 55.52% |
| EPS Growth (3Y CAGR) | 22.48% | 9.93% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Moody's (MCO) in Financial Services and Charles Schwab (SCHW) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Moody's (MCO) in Financial Services and Charles Schwab (SCHW) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | MCO | SCHW |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Moody's (MCO) at 0.78% and Charles Schwab (SCHW) at 1.33% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
MCO
Financial Services industry group
0.78%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- MCO
- 0.78%
- Q1
- 0.00%
- Min
- 0.00%
SCHW
Financial Services industry group
1.33%
- Max
- 9.77%
- Q3
- 3.92%
- SCHW
- 1.33%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Moody's (MCO) at 24.59% and Charles Schwab (SCHW) at 21.03% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
MCO
Financial Services industry group
24.59%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- MCO
- 24.59%
- Q1
- 0.00%
- Min
- 0.00%
SCHW
Financial Services industry group
21.03%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- SCHW
- 21.03%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | MCO | SCHW |
|---|---|---|
| Dividend Yield (TTM) | 0.78% | 1.33% |
| Dividend Payout Ratio (TTM) | 24.59% | 21.03% |
Valuation
P/E Ratio (TTM)
Charles Schwab (SCHW) at 15.64 is near its industry’s usual P/E ratio, while Moody's (MCO) at 30.85 sits in the richer quartile — MCO needs stronger growth or earnings quality to justify the premium.
MCO
Financial Services industry group
30.85
- Max
- 45.85
- MCO
- 30.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
SCHW
Financial Services industry group
15.64
- Max
- 45.85
- Q3
- 24.64
- SCHW
- 15.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Both look expensive on sales: Charles Schwab (SCHW) at 5.85 sits in the upper P/S ratio quartile, and Moody's (MCO) at 10.66 prices even higher, above its industry range.
MCO
Financial Services industry group
10.66
- MCO
- 10.66
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
SCHW
Financial Services industry group
5.85
- Max
- 9.23
- SCHW
- 5.85
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Charles Schwab (SCHW) at 3.08 sits near its industry’s typical P/B ratio, while Moody's (MCO) at 26.68 prices above its benchmark range — MCO looks rich relative to book.
MCO
Financial Services industry group
26.68
- MCO
- 26.68
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
SCHW
Financial Services industry group
3.08
- Max
- 7.79
- Q3
- 3.63
- SCHW
- 3.08
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | MCO | SCHW |
|---|---|---|
| P/E Ratio (TTM) | 30.85 | 15.64 |
| P/S Ratio (TTM) | 10.66 | 5.85 |
| P/B Ratio (MRQ) | 26.68 | 3.08 |
| Free Cash Flow Yield (TTM) | -- | -- |