$CMA Insights BETA

Income/Loss

The tax rate (Income Tax Paid / Pretax Income) is 28.42% on average, which is well above the 21% corporate tax rate. It might be worth trying to understand what's going on.
Net Income is relatively inconsistent. When Net Income is inconsistent, it's hard to determine a value of the company you can feel confident in.
Net Income / Total Revenues is 54.67% on average. This is usually excellent. However, you're looking at a financial business, use caution because a high ratio could mean relaxing of standards, which means increased risk, which could lead to disaster in the future.
Earnings Per Share is relatively inconsistent. Erratic earnings picture is a red flag that indicates a fiercely competitive industry with lots of booms and busts. During the bust part of the cycle, the stock price might fall significantly after a bad earnings performance. This creates the illusion of a value buying opportunity but it’s not. Also keep in mind if the company has had stock splits or reverse splits.

Property, Plant and Equipment has been pretty consistent. A stable PPE indicates that the company might not need to continuously reinvest into recreating their products, which might indicate the presence of a competitive advantage.
Goodwill is relatively inconsistent. Increasing Goodwill indicates that the company is out buying other companies at prices above their book value. This can be a good thing if it’s buying companies that have competitive advantages or it can be ignorable/bad if the acquired companies did not have competitive advantages.
Total Assets on average has been really high. This can be a competitive advantage because raising that much cash to compete with the business becomes much harder.

Having Treasury Stock on the balance sheet is a hallmark of a company with a competitive advantage.

Return on Shareholders' Equity has been 3.08%, which is low (<10%). If Net Income as percentage of Total Revenue also weak (<10%) or negative, it’s a red flag. If it's strong (>10%), it's a green flag since this indicates that they are returning the earnings to shareholders somehow.