MCO vs. SOFI: Moody's vs. SoFi Stock Comparison

Company Profile

Moody's (MCO) and SoFi (SOFI) both fall under the Financial Services industry group, but MCO is classified in Capital Markets while SOFI is classified in Consumer Finance.

Moody's (MCO) has more than two decades of public-market history since October 31, 1994, whereas SoFi (SOFI) listed on January 4, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

SoFi (SOFI) carries a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, whereas Moody's (MCO) is closer to market-like at 1.28 — a noticeable difference in market-sensitivity profile.

SoFi (SOFI) is heavily traded at around 48.09M shares per day, whereas Moody's (MCO) sees a more moderate 817.57K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Moody's (MCO) at 76.74% clears its industry range for ROE, a sharper capital-efficiency signal than SoFi (SOFI) at 7.35%, which is closer to a typical peer reading.

Moody's (MCO) at 35.26% retains a top-quartile share of revenue as profit, ahead of SoFi (SOFI) at 15.75%, which keeps about the industry-typical share.

Both Moody's (MCO) at 46.27% and SoFi (SOFI) at 23.19% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Moody's (MCO) at 8.89% is closer to the peer norm — faster top-line expansion for SOFI.

Both Moody's (MCO) at 21.40% and SoFi (SOFI) at 0.00% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Moody's (MCO) in Financial Services and SoFi (SOFI) 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-to-equity ratio is set aside for both: Moody's (MCO) in Financial Services and SoFi (SOFI) 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

Dividends

SoFi (SOFI) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Moody's (MCO) reports a yield of 0.78%, ranking against industry peers normally.

SoFi (SOFI) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Moody's (MCO) reports a payout of 24.59%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Moody's (MCO) at 30.85 and SoFi (SOFI) at 29.47 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

SoFi (SOFI) at 4.49 prices around its industry’s typical P/S ratio, while Moody's (MCO) at 10.66 clears its benchmark range — MCO looks notably rich on sales.

SoFi (SOFI) at 1.86 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.

Valuation Metrics