Group 1 - The article discusses the investment philosophy focused on sustained profitability, emphasizing strong margins, stable and expanding free cash flow, and high returns on invested capital as key drivers of returns rather than valuation alone [1] - The author manages a portfolio on eToro, highlighting the importance of being a Popular Investor, which allows others to copy real-time investment decisions [1] - The interdisciplinary background of the author, including Economics, Classical Philology, Philosophy, and Theology, enhances both quantitative analysis and the interpretation of market narratives [1] Group 2 - The article does not provide any specific financial data or performance metrics related to Caterpillar or the broader industry [2][3]

Group 1 - Equifax (NYSE: EFX) is positioned to benefit from regulatory changes affecting Fair Isaac Corporation (FICO), which has seen a 15% downward revision in its fair value compared to its actual price [1] - The focus is on long-term investment strategies in U.S. and European equities, emphasizing undervalued growth stocks and high-quality dividend growers [1] - Sustained profitability, characterized by strong margins, stable and expanding free cash flow, and high returns on invested capital, is highlighted as a more reliable driver of returns than valuation alone [1] Group 2 - The analyst has a beneficial long position in FICO shares through stock ownership, options, or other derivatives [2] - The article expresses the analyst's personal opinions and does not involve compensation from any company mentioned [2]

Group 1 - The article emphasizes the importance of sustained profitability, which is characterized by strong margins, stable and expanding free cash flow, and high returns on invested capital, as a more reliable driver of returns than valuation alone [1] - The author manages a portfolio on eToro, where they are recognized as a Popular Investor, allowing others to replicate their investment decisions in real-time [1] - The investment philosophy is rooted in a long-term perspective, focusing on undervalued growth stocks and high-quality dividend growers in the U.S. and European markets [1] Group 2 - The author has a diverse academic background, including Economics, Classical Philology, Philosophy, and Theology, which enhances both quantitative analysis and the interpretation of market narratives [1] - The motivation for investing is to ensure financial freedom for the author's family, aiming for a balance where there are enough assets to allow for personal expression and choice in work [1]