Their numbers were the best for them so far with revenue of 7.1 billion and their eps grew by 26%. They formed a lot of new partnership with industry leaders and also acquired several companies which enhance their capabilities. Because of all the uncertainty in the market companies need to have a clear 360 view of there risks, insights, data and analytics which is what moody can do. They also launched new things to analyse companies net zero carbon emission plans and also recorded a 40 percent increase in second party opinions.  By using gen AI and other types of AI they have been able to increase efficiency and productivity for their customers. They created an early warning system which is supposed to warn companies about coming risks. They managed to expand their database to 550 million companies to allow their customers with better and deeper pools of data for them to verify entries. They provide tools that allow various companies and governments to do a lot of things like identify and monitor risk, compliance work, issue underwrites and more. Their 4 different businesses are moody’s ratings, research, data, and decision solutions. Their analytics segment is made out of 3 of their business namely research, data, and decision solutions. This helps customers to start business relationships, monitor and manage risk, and comply and report based on global laws, rules and regulations. Their second segment of investor services is their rating agency which is a leader in providing credit ratings, research, and risk analysis. Their ratings are highly respected and valuable in the market so it can help companies to get easier access to things like capital. Some factors that are helping them grow are enablement of gen AI, fiscal and monetary policies of the government, and health of the global economies. Some strategic growth drivers for them are new product development, strong customer base and increased distribution capacity. Some business risks to them is that they are exposed to a lot of different countries, infrastructure malfunction or errors, and introduction of competition. Their FCF is now close to 3 billion and from last year money spent in investing activities increased significantly. Overall they witnessed strong growth from 2023 to 2024. Overview. Moody is a company that focuses on 2 main things through their 4 business. Their analytics segment is made through their research, data, and decision solutions. The second segment is their investor services which is made out of moody rating agency. They have one of the biggest rating services and one of the most recognised. They can help a lot of companies with stuff like regulatory matters. They have really good margins because of 7 billion revenue 3 billion is there fcf. Personal thoughts. I think that it is a very solid company as in it should not fluctuate from the market much. I like how they are like the top in the rating agency not only in the US but have managed to expand and keep their name as one of the best. I think because of the level that the they have reached to its going to be really hard for anybody to catch up to them in terms of market position for new players. They did grow well in 2023 so it should see good growth again. GEN AI should not be impacting their business as much as it might for others which is obviously a good thing.