MCO vs. XYZ: Moody's vs. Block Stock Comparison

November 11, 2026

How do Moody's (MCO) and Block (XYZ) 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 Block (XYZ) both fall under the Financial Services industry group, but MCO is classified in Capital Markets while XYZ is classified in Financial Services.

Company profile comparison for Moody's (MCO) and Block (XYZ)
Profile Item	MCO	XYZ
Name	Moody's Corporation	Block Inc. Class A Common Stock
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Capital Markets	Financial Services
GICS Sub-Industry	Financial Exchanges & Data	Transaction & Payment Processing Services
Market Capitalization	87.19 billion USD	51.67 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	October 31, 1994	November 19, 2015
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

MCO

XYZ

GSPC

Moody's (MCO) vs. Block (XYZ), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Moody's (MCO) and Block (XYZ). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Moody's (MCO) and Block (XYZ). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Moody's (MCO) and Block (XYZ)
Metric	MCO	XYZ
Total Return (1Y)	5.02%	35.34%
Total Return (3Y, Annualized)	15.27%	20.17%
Total Return (5Y, Annualized)	6.21%	-17.43%

Risk Profile

Drawdown History

MCO

XYZ

GSPC

Moody's (MCO) vs. Block (XYZ), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Moody's (MCO) and Block (XYZ). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Block (XYZ) carries a highly aggressive beta of 2.48, 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.

Risk profile metrics for Moody's (MCO) and Block (XYZ)
Metric	MCO	XYZ
Volatility (1Y, Annualized)	28.61%	48.01%
Beta (5Y)	1.28	2.48
Max Drawdown (5Y)	-40.93%	-83.55%
Avg. Volume (3M)	817.57K	4.73M

Risk-Adjusted Performance

Risk-Return Positioning

MCO and XYZ are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Moody's (MCO) and Block (XYZ)
Metric	MCO	XYZ
Sharpe Ratio (1Y)	0.03	0.65
Sortino Ratio (1Y)	0.04	1.03

Profitability

ROE (TTM)

Moody's (MCO) at 76.74% delivers above-range ROE, while Block (XYZ) at 2.02% falls into the bottom quartile — a wide split in profit generated from equity.

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%

XYZ

Financial Services industry group

2.02%

Max: 44.78%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
XYZ: 2.02%
Min: -18.71%

Moody's (MCO) vs. Block (XYZ): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Moody's (MCO) at 35.26% keeps a top-quartile share of each sales dollar as profit, while Block (XYZ) at 1.80% keeps a bottom-quartile share.

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%

XYZ

Financial Services industry group

1.80%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
Q1: 4.82%
XYZ: 1.80%
Min: -28.52%

Moody's (MCO) vs. Block (XYZ): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Moody's (MCO) at 46.27% runs core operations around its industry’s norm, while Block (XYZ) at 6.65% operates in the bottom quartile.

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%

XYZ

Financial Services industry group

6.65%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
Q1: 14.60%
XYZ: 6.65%
Min: -44.34%

Moody's (MCO) vs. Block (XYZ): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Moody's (MCO) and Block (XYZ)
Metric	MCO	XYZ
ROE (TTM)	76.74%	2.02%
ROA (TTM)	15.56%	1.94%
Net Margin (TTM)	35.26%	1.80%
Operating Margin (TTM)	46.27%	6.65%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Moody's (MCO) at 8.89% is around its peer norm for revenue growth, while Block (XYZ) at 0.30% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Moody's (MCO) vs. Block (XYZ): A comparison of their Revenue Growth across different time periods.

EPS Growth

Moody's (MCO) at 21.40% is around its peer norm for EPS growth, while Block (XYZ) at -53.95% drops into the bottom quartile, signaling weaker earnings momentum.

Moody's (MCO) vs. Block (XYZ): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Moody's (MCO) and Block (XYZ)
Metric	MCO	XYZ
Revenue Growth (YoY)	8.89%	0.30%
Revenue Growth (3Y CAGR)	12.17%	11.33%
EPS Growth (YoY)	21.40%	-53.95%
EPS Growth (3Y CAGR)	22.48%	--

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Moody's (MCO) in Financial Services and Block (XYZ) 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 Block (XYZ) 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

Financial strength metrics for Moody's (MCO) and Block (XYZ)
Metric	MCO	XYZ
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Block (XYZ) 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.

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%

XYZ

Financial Services industry group

0.00%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
XYZ: 0.00%
Q1: 0.00%
Min: 0.00%

Moody's (MCO) vs. Block (XYZ): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Block (XYZ) 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.

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%

XYZ

Financial Services industry group

0.00%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
XYZ: 0.00%
Q1: 0.00%
Min: 0.00%

Moody's (MCO) vs. Block (XYZ): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Moody's (MCO) and Block (XYZ)
Metric	MCO	XYZ
Dividend Yield (TTM)	0.78%	0.00%
Dividend Payout Ratio (TTM)	24.59%	0.00%

Valuation

P/E Ratio (TTM)

Both look expensive on trailing earnings: Moody's (MCO) at 30.85 sits in the richer P/E ratio quartile, and Block (XYZ) at 112.47 is richer still, above its industry range.

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

XYZ

Financial Services industry group

112.47

XYZ: 112.47
Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
Min: 0.16

Moody's (MCO) vs. Block (XYZ): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Block (XYZ) at 2.01 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.

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

XYZ

Financial Services industry group

2.01

Max: 9.23
Q3: 4.57
Median: 2.72
XYZ: 2.01
Q1: 1.28
Min: -0.55

Moody's (MCO) vs. Block (XYZ): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Block (XYZ) at 2.26 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

XYZ

Financial Services industry group

2.26

Max: 7.79
Q3: 3.63
XYZ: 2.26
Median: 1.57
Q1: 0.81
Min: -0.39

Moody's (MCO) vs. Block (XYZ): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Moody's (MCO) and Block (XYZ)
Metric	MCO	XYZ
P/E Ratio (TTM)	30.85	112.47
P/S Ratio (TTM)	10.66	2.01
P/B Ratio (MRQ)	26.68	2.26
Free Cash Flow Yield (TTM)	--	--