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Fair Isaac Corp. (FICO) investment Quality Rating (AAA)
FICO 2025 Operational Quality Audit: Why Fair Isaac Corp earns a Sovereign (AAA) Rating. A principal’s analysis of 45% ROIC, terminal pricing power, and why FICO is the ultimate 'Invisible Toll Bridge' in the Global Monopoly Registry.
American Express Co. (AXP) investment Quality Rating (AA)
American Express (AXP) 2025 Analysis: Why the 'Vertical Monopoly' earns an Old York Fortress (AA) Rating. A principal’s deep dive into 18.5% ROIC, Gen Z adoption, and why credit risk separates Amex from Sovereign AAA giants like Visa.
Mastercard Inc. (MA) investment Quality Rating (AAA)
Mastercard (MA) earns the Old York Sovereign (AAA) Rating for 2025. Analysis of its $16.6B Owner Earnings, 50% ROIC, and the explosive 23% growth in its Value-Added Services. See why Mastercard is the high-margin king of global payments.
Visa Inc. (V) investment Quality Rating (AAA)
Visa Inc. (V) earns the Old York Sovereign (AAA) Rating for 2025. A principal-led analysis of its $20.76B Owner Earnings, 33.4% ROIC, and its 50% global market share. See why Visa remains the world's ultimate 'Toll Collector' business.
S&P Global Inc. (SPGI) investment Quality Rating (AAA)
S&P Global (SPGI) earns the Old York Operational Quality AAA Rating for 2025. Analysis of its 50% margins, $5.46B in Owner Earnings, and the strategic spin-off of Mobility Global. A deep-dive by Old York Financial.
Moody’s Corporation (MCO) investment Quality Rating (AAA)
Moody’s (MCO) earns the Old York Sovereign (AAA) Rating for 2025. Diagnostic includes 21% EPS growth, 51% margins, and a deep-dive into its 40% global market share. See why MCO is the ultimate toll-bridge business.