| Company Name: | eFunds Corporation | | Ticker Symbol: | EFD | | | WWW Address: | www.efunds.com | | CEO: | Paul F. Walsh | | No. of Employees: | 5,300 | | Common Issue Type: | CS | | Business Description: | The Company's goal is to enable its customers to grow its businesses while reducing transaction and infrastructure costs, detecting potential fraud and building long-term customer value.
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| | | Industry Information: | COMPUTER SOFWARE & SERVICES - Business Software & Services [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 9.67 |  0.0 | - | - | 0 | 36.50 | 36.47 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 460.3 | 47.6 | 1.42 | 1.15 | 0.00 | 31.2 | 0.0 | 36.67 - 22.88 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 36.48 | $ | | PE Ratio - LTM | 31.2 | |
| Market Capitalisation | 1,734.9 | mil |
| Latest Shares Outstanding | 47.6 | mil |
| Earnings pS (EPS) | 1.15 | $ |
| Dividend pS (DPS) | 0.00 | ¢ |
| Dividend Yield | 0.0 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 104,229 | $ |
| Effective Tax Rate | 32.1 | % |
| Float | 47.3 | mil |
| Float as % of Shares Outstanding | 99.5 | % |
| Foreign Sales | 71 | mil |
| Domestic Sales | 482 | mil |
| Selling, General & Adm/tive (SG&A) as % of Revenue | 11.30 | % |
| Research & Devlopment (R&D) as % of Revenue | 0.00 | % |
| Gross Profit Margin | 35.7 | % |
| EBITDA Margin | 24.4 | % |
| Pre-Tax Profit Margin | 15.2 | % |
| Assets Turnover | 0.7 | % |
| Return on Assets (ROA) | 6.8 | % |
| Return on Equity (ROE) | 9.7 | % |
| Return on Capital Invested (ROCI) | 8.2 | % |
| Current Ratio | 2.9 | |
| Leverage Ratio (Assets/Equity) | 1.4 | |
| Interest Cover | 14.4 | |
| Total Debt/Equity (Gearing Ratio) | 0.18 | |
| LT Debt/Total Capital | 15.0 | % |
| Working Capital pS | 4.62 | $ |
| Cash pS | 3.00 | $ |
| Book-Value pS | 12.12 | $ |
| Tangible Book-Value pS | 3.82 | $ |
| Cash Flow pS | 2.19 | $ |
| Free Cash Flow pS | 1.27 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 3.01 | |
| Price/Tangible Book Ratio | 9.55 | |
| Price/Cash Flow | 16.7 | |
| Price/Free Cash Flow | 28.7 | |
| P/E as % of Industry Group | 114.0 | % |
| P/E as % of Sector Segment | 74.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | - |
| Dividend Rate | 0.00 |
| Current Dividend Yield | 0.0 |
| 5-Y Average Dividend Yield | 0.0 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 0.0 |
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|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.1 | 98 | 8,582 | 52,069 |
| 4 Weeks | 36.50 | 36.00 | 35.94 | 1.5 | 99 | 6,668 | 120,021 |
| 13 Weeks | 36.67 | 34.37 | 35.85 | 1.8 | 105 | 13,865 | 859,640 |
| 26 Weeks | 36.67 | 26.30 | 26.33 | 38.5 | 129 | 9,782 | 1,222,795 |
| 52 Weeks | 36.67 | 22.88 | 24.26 | 50.4 | 134 | 6,295 | 1,567,553 |
| YTD | 36.67 | 22.88 | - | 32.7 | 127 | 8,020 | 1,411,458 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 36.46 | 36.40 | 35.82 | 31.62 | 30.53 | 1.42 | 1.20 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | -0.12 | 0.3 | 0.09 |
| Income | 16.78 | 77.4 | 12.97 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 4.42 | NA | 14.15 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 11.37 | NA | 15.55 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 0.3 | 4.8 | 10.1 |
| Earnings % | 5.9 | 14.0 | -2.1 |
| EPS % | 4.7 | 9.5 | -1.7 |
| EPS $ | 0.02 | 0.02 | -0.02 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Net Working Capital Ratio | 21.82 |
| Current Ratio | 2.1 |
| Quick Ratio (Acid Test) | 1.5 |
| Liquidity Ratio (Cash) | 0.85 |
| Receivables Turnover | 5.4 |
| Average Collection Period | 67 |
| Working Capital/Equity | 33.7 |
| Working Capital pS | 3.82 |
| Cash-Flow pS | 2.17 |
| Free Cash-Flow pS | 0.81 |
| FINANCIAL STRUCTURE RATIOS |
| Altman's Z-Score Ratio | 4.99 |
| Financial Leverage Ratio (Assets/Equity) | 1.5 |
| Debt Ratio | 35.2 |
| Total Debt/Equity (Gearing Ratio) | 0.20 |
| LT Debt/Equity | 0.19 |
| LT Debt/Capital Invested | 20.1 |
| LT Debt/Total Liabilities | 35.4 |
| Interest Cover | 13.5 |
| Interest/Capital Invested | 0.97 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 6.51 |
| Tobin's Q Ratio | 2.10 |
| Current P/E Ratio - LTM | 31.20 |
| Enterprise Value (EV)/EBITDA | 14.41 |
| Enterprise Value (EV)/Free Cash Flow | 56.06 |
| Dividend Yield | 0.0 |
| Price/Tangible Book Ratio - LTM | 9.55 |
| Price/Book Ratio - LTM | 3.01 |
| Price/Cash Flow Ratio | 16.7 |
| Price/Free Cash Flow Ratio - LTM | 28.7 |
| Price/Sales Ratio | 3.14 |
| P/E Ratio (1 month ago) - LTM | 30.8 |
| P/E Ratio (26 weeks ago) - LTM | 22.9 |
| P/E Ratio (52 weeks ago) - LTM | 23.1 |
| 5-Y High P/E Ratio | 36.0 |
| 5-Y Low P/E Ratio | 9.3 |
| 5-Y Average P/E Ratio | 23.7 |
| Current P/E Ratio as % of 5-Y Average P/E | 132 |
| P/E as % of Industry Group | 114.0 |
| P/E as % of Sector Segment | 74.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 31.2 |
| PER SHARE FIGURES |
| LT Debt pS | 2.18 |
| Current Liabilities pS | 3.44 |
| Tangible Book Value pS - LTM | 3.82 |
| Book Value pS - LTM | 12.12 |
| Capital Invested pS | 13.40 |
| Cash pS - LTM | 3.00 |
| Cash Flow pS - LTM | 2.19 |
| Free Cash Flow pS - LTM | 1.27 |
| Earnings pS (EPS) | 1.15 |
| | | | OPERATING RATIOS | | PROFITABILITY RATIOS |
| Free Cash Flow Margin | 6.94 |
| Free Cash Flow Margin 5YEAR AVG | -6.74 |
| Net Profit Margin | 9.9 |
| Net Profit Margin - 5YEAR AVRG. | 7.6 |
| Equity Productivity | 1.03 |
| Return on Equity (ROE) | 10.2 |
| Return on Equity (ROE) - 5YEAR AVRG. | 9.2 |
| Capital Invested Productivity | 0.87 |
| Return on Capital Invested (ROCI) | 8.6 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 8.4 |
| Assets Productivity | 0.70 |
| Return on Assets (ROA) | 6.6 |
| Return on Assets (ROA) - 5YEAR AVRG. | 6.4 |
| Gross Profit Margin | 35.7 |
| Gross Profit Margin - 5YEAR AVRG. | 47.7 |
| EBITDA Margin - LTM | 24.4 |
| EBIT Margin - LTM | 16.4 |
| Pre-Tax Profit Margin | 14.6 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 10.8 |
| Effective Tax Rate | 32.1 |
| Effective Tax Rate - 5YEAR AVRG. | 29.6 |
| EFFICIENCY RATIOS |
| Cash Conversion Cycle | 70 |
| Revenue per Employee | 104,229 |
| Net Income per Employee | 10,292 |
| Average Collection Period | 70 |
| Receivables Turnover | 5.4 |
| Day's Inventory Turnover Ratio | 0 |
| Inventory Turnover | 0.0 |
| Inventory/Sales | 0.0 |
| Accounts Payble/Sales | 4.35 |
| Assets/Revenue | 1.43 |
| Net Working Capital Turnover | 3.07 |
| Fixed Assets Turnover | 1.14 |
| Total Assets Turnover | 0.7 |
| Revenue per $ Cash | 4.36 |
| Revenue per $ Plant | 9.18 |
| Revenue per $ Common Equity | 1.03 |
| Revenue per $ Capital Invested | 0.87 |
| Selling, General & Adm/tive (SG&A) as % of Revenue | 12.4 |
| SG&A Expense as % of Revenue - 5YEAR AVRG. | 28.8 |
| Research & Devlopment (R&D) as % of Revenue | 0.0 |
| R&D Expense as % of Revenue - 5YEAR AVRG. | 0.0 |
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