Compare Stocks › AAPL vs MCO
Apple Inc. (AAPL) vs Moody's Corporation (MCO)
AAPL
Apple Inc.
$248.96
VS
MCO
Moody's Corporation
$435.80
Rewards
AAPL
- ★Apple Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Apple Inc. scores 96/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
- ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.
MCO
- ★Moody's Corporation has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Gross margin of 74.4% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Moody's Corporation scores 95/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
Risks
AAPL
- ⚠FCF yield of 2.9% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠12 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.
MCO
- ⚠FCF yield of 2.7% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠8 insider sales totaling $7.5M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →AAPL
MCO
Valuation
$106.31B
Free Cash Flow
$2.06B
2.91%
FCF Yield
2.65%
31.55
Trailing P/E
31.86
26.71
Forward P/E
23.29
Quality & Moat
68.12%
ROIC
22.07%
127.01%
ROE
58.48%
47.33%
Gross Margin
74.44%
1.72
PEG Ratio
0.55
Balance Sheet Safety
1.03
Debt / Equity
1.77
N/A
Interest Coverage
N/A
0.15
Net Debt / EBITDA
1.33
0.42%
Dividend Yield
0.95%
AAPL: 6Ties: 2MCO: 4
AAPLMCO
Historical Fundamentals
Learn more →AAPL
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
MCO
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →AAPL
$7.57
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$257.06B
Δ Market Cap
+$1.94T
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
MCO
$9.35
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$4.24B
Δ Market Cap
+$39.65B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →AAPL
38.3% Overvalued
Price is 38.3% above estimated fair value
Current Price: $248.96
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $179.99
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
MCO
24.3% Overvalued
Price is 24.3% above estimated fair value
Current Price: $435.80
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $350.71
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →AAPL
What growth rate is the market pricing in at $249?
+14.5%
Market-Implied Owner Earnings Growth
Standard FCF implies +15.2%
The market implies +14.5% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +15.2%, reflecting heavy growth investment.
MCO
What growth rate is the market pricing in at $436?
+14.8%
Market-Implied Owner Earnings Growth
Standard FCF implies +17.2%
The market implies +14.8% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +17.2%, reflecting heavy growth investment expected to generate future returns.
Economic Moat Score
Learn more →AAPL
96/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
MCO
95/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
Forensic Accounting
Learn more →AAPL
-2.29
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
MCO
-2.48
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →AAPL
Insiders 1.6%Institutions 65.3%Retail & Other 33.1%
No. of Institutional Holders7,544
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
MCO
Insiders 14.0%Institutions 79.2%Retail & Other 6.8%
No. of Institutional Holders1,993
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →AAPL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
MCO
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →AAPL
0
Sells (3M)
12
Sells (12M)
Total value (12M): $129.96M
KONDO CHRISTOPHER
Officer
$1.02M
@ $271.23 · 2025-11-07
PAREKH KEVAN
Chief Financial Officer
$1.04M
@ $247.39 · 2025-10-16
O'BRIEN DEIRDRE
Officer
$11.07M
@ $257.39 · 2025-10-02
COOK TIMOTHY D
Chief Executive Officer
$33.38M
@ $256.81 · 2025-10-02
ADAMS KATHERINE L
General Counsel
$12.10M
@ $256.79 · 2025-10-02
LEVINSON ARTHUR D
Director
$20.89M
@ $232.07 · 2025-08-28
O'BRIEN DEIRDRE
Officer
$7.77M
@ $223.20 · 2025-08-08
KONDO CHRISTOPHER
Officer
$933,955
@ $208.19 · 2025-05-12
PAREKH KEVAN
Chief Financial Officer
$941,420
@ $206.00 · 2025-04-23
WILLIAMS JEFFREY E
Chief Operating Officer
$7.95M
@ $224.01 · 2025-04-02
COOK TIMOTHY D
Chief Executive Officer
$24.18M
@ $223.65 · 2025-04-02
ADAMS KATHERINE L
General Counsel
$8.68M
@ $223.67 · 2025-04-02
LEVINSON ARTHUR D
Director
$343,147
@ $226.35 · 2025-02-03
LEVINSON ARTHUR D
Director
$45.46M
@ $227.32 · 2024-11-19
KONDO CHRISTOPHER
Officer
$945,233
@ $228.87 · 2024-11-18
MAESTRI LUCA
Chief Financial Officer
$13.43M
@ $226.52 · 2024-10-04
O'BRIEN DEIRDRE
Officer
$13.84M
@ $226.87 · 2024-10-02
WILLIAMS JEFFREY E
Chief Operating Officer
$13.55M
@ $226.86 · 2024-10-02
COOK TIMOTHY D
Chief Executive Officer
$50.28M
@ $224.46 · 2024-10-02
ADAMS KATHERINE L
General Counsel
$13.80M
@ $226.20 · 2024-10-02
KONDO CHRISTOPHER
Officer
$1.96M
@ $225.00 · 2024-08-15
KONDO CHRISTOPHER
Officer
$1.12M
@ $216.50 · 2024-08-09
ADAMS KATHERINE L
General Counsel
$20.64M
@ $206.44 · 2024-08-05
LEVINSON ARTHUR D
Director
$14.37M
@ $191.58 · 2024-05-30
KONDO CHRISTOPHER
Officer
$951,785
@ $190.40 · 2024-05-15
MAESTRI LUCA
Chief Financial Officer
$9.26M
@ $174.12 · 2024-04-11
O'BRIEN DEIRDRE
Officer
$9.24M
@ $168.91 · 2024-04-02
COOK TIMOTHY D
Chief Executive Officer
$33.26M
@ $169.33 · 2024-04-02
ADAMS KATHERINE L
General Counsel
$9.24M
@ $168.90 · 2024-04-02
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
MCO
8
Sells (3M)
32
Sells (12M)
Total value (12M): $16.09M
WEST MICHAEL L
Officer
$2.01M
@ $473.72 · 2026-03-04
HEULAND NOEMIE CLEMENCE
Chief Financial Officer
$46,587
@ $465.87 · 2026-03-04
PHILLIPS JASON D
Officer
$157,437
@ $472.78 · 2026-03-04
STEELE RICHARD G
General Counsel
$171,266
@ $456.71 · 2026-03-03
FAUBER ROBERT
Chief Executive Officer
$2.38M
@ $456.71 · 2026-03-03
WEST MICHAEL L
Officer
$1.58M
@ $474.10 · 2026-02-26
FAUBER ROBERT
Chief Executive Officer
$592,428
@ $507.65 · 2026-02-03
FAUBER ROBERT
Chief Executive Officer
$590,241
@ $505.78 · 2026-01-05
FAUBER ROBERT
Chief Executive Officer
$280,525
@ $487.87 · 2025-12-03
FAUBER ROBERT
Chief Executive Officer
$287,765
@ $486.09 · 2025-12-01
FAUBER ROBERT
Chief Executive Officer
$558,935
@ $478.95 · 2025-11-03
STEELE RICHARD G
General Counsel
$12,841
@ $493.88 · 2025-10-28
FAUBER ROBERT
Chief Executive Officer
$269,669
@ $493.90 · 2025-10-28
FAUBER ROBERT
Chief Executive Officer
$199,652
@ $481.09 · 2025-10-15
FAUBER ROBERT
Chief Executive Officer
$197,880
@ $477.97 · 2025-10-01
FAUBER ROBERT
Chief Executive Officer
$212,750
@ $512.65 · 2025-09-15
FAUBER ROBERT
Chief Executive Officer
$208,878
@ $503.32 · 2025-09-02
FAUBER ROBERT
Chief Executive Officer
$216,402
@ $521.45 · 2025-08-15
TULENKO STEPHEN T
Officer
$155,688
@ $518.96 · 2025-08-04
FAUBER ROBERT
Chief Executive Officer
$211,729
@ $510.19 · 2025-08-01
TULENKO STEPHEN T
Officer
$1.08M
@ $511.30 · 2025-07-30
WEST MICHAEL L
Officer
$1.89M
@ $511.16 · 2025-07-29
HEULAND NOEMIE CLEMENCE
Chief Financial Officer
$456,109
@ $508.48 · 2025-07-29
STEELE RICHARD G
General Counsel
$741,360
@ $508.83 · 2025-07-29
FAUBER ROBERT
Chief Executive Officer
$208,911
@ $503.40 · 2025-07-15
FAUBER ROBERT
Chief Executive Officer
$206,296
@ $497.10 · 2025-07-01
FAUBER ROBERT
Chief Executive Officer
$197,818
@ $476.67 · 2025-06-16
FAUBER ROBERT
Chief Executive Officer
$196,855
@ $474.35 · 2025-06-02
FAUBER ROBERT
Chief Executive Officer
$198,806
@ $479.05 · 2025-05-15
FAUBER ROBERT
Chief Executive Officer
$187,045
@ $450.71 · 2025-05-01
FAUBER ROBERT
Chief Executive Officer
$181,687
@ $437.80 · 2025-04-15
FAUBER ROBERT
Chief Executive Officer
$192,178
@ $463.08 · 2025-04-01
FAUBER ROBERT
Chief Executive Officer
$184,438
@ $444.43 · 2025-03-17
TULENKO STEPHEN T
Officer
$2.43M
@ $483.19 · 2025-03-05
STEELE RICHARD G
General Counsel
$136,614
@ $494.98 · 2025-03-04
FAUBER ROBERT
Chief Executive Officer
$1.48M
@ $493.90 · 2025-03-04
FAUBER ROBERT
Chief Executive Officer
$141,905
@ $505.00 · 2025-03-03
TULENKO STEPHEN T
Officer
$1.74M
@ $500.03 · 2025-02-26
FAUBER ROBERT
Chief Executive Officer
$146,738
@ $522.20 · 2025-02-18
FAUBER ROBERT
Chief Executive Officer
$138,932
@ $494.42 · 2025-02-03
FAUBER ROBERT
Chief Executive Officer
$133,087
@ $473.62 · 2025-01-15
FAUBER ROBERT
Chief Executive Officer
$133,436
@ $474.86 · 2025-01-02
FAUBER ROBERT
Chief Executive Officer
$137,757
@ $490.24 · 2024-12-16
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →AAPL
😐Neutral(52/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
MCO
😨Fear(40/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →AAPL
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (52)
MCO
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Fear (40)