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The '''Moody's Corporation''' (commonly known as '''Moody's''') is an American financial services company specializing in credit ratings, financial research, risk analysis, and data analytics. Headquartered in [[wikipedia:New York City|New York City]], the company traces its origins to 1909, when financial analyst [[John Moody]] began publishing credit ratings for railroad bonds in the United States. Moody's became one of the pioneers of modern credit rating services and has since evolved into one of the world's leading providers of credit risk assessments and financial intelligence. The company is publicly traded on the [[New York Stock Exchange]] under the ticker symbol '''MCO''' and is a constituent of the [[S&P 500]].
The '''Moody's Corporation''' (commonly known as '''Moody's''') is an American financial services company specializing in credit ratings, financial research, risk analysis, and data analytics. Headquartered in [[wikipedia:[[wikipedia:New York City|New York City]]|[[wikipedia:New York City|New York City]]]], the company traces its origins to 1909, when financial analyst [[John Moody]] began publishing credit ratings for railroad bonds in the United States. Moody's became one of the pioneers of modern credit rating services and has since evolved into one of the world's leading providers of credit risk assessments and financial intelligence. The company is publicly traded on the [[New York Stock Exchange]] under the ticker symbol '''MCO''' and is a constituent of the [[S&P 500]].


Moody's operates through two principal business segments: '''Moody's Ratings''' and '''Moody's Analytics'''. Moody's Ratings assigns credit ratings to governments, sovereign states, corporations, financial institutions, structured finance products, insurance companies, and municipal issuers, providing independent assessments of their ability to meet financial obligations. Its credit rating scale ranges from the highest investment-grade rating of '''Aaa''' to lower speculative-grade categories, and its ratings are widely used by investors, lenders, regulators, and policymakers in evaluating creditworthiness and investment risk. Alongside [[S&P Global Ratings]] and [[Fitch Ratings]], Moody's is recognized as one of the '''"Big Three"''' global credit rating agencies.
Moody's operates through two principal business segments: '''Moody's Ratings''' and '''Moody's Analytics'''. Moody's Ratings assigns credit ratings to governments, sovereign states, corporations, financial institutions, structured finance products, insurance companies, and municipal issuers, providing independent assessments of their ability to meet financial obligations. Its credit rating scale ranges from the highest investment-grade rating of '''Aaa''' to lower speculative-grade categories, and its ratings are widely used by investors, lenders, regulators, and policymakers in evaluating creditworthiness and investment risk. Alongside [[S&P Global Ratings]] and [[Fitch Ratings]], Moody's is recognized as one of the '''"Big Three"''' global credit rating agencies.