Tuesday, August 14, 2018

Benjamin Graham, Lesson 7 Earnings trends

There are at least two dangers in using earnings trends. First danger is that they can be deceitful. Second danger is that you can use a trend to justify any value for the stock by assuming that it continues forever. You can get an insane value for the stock by assuming that a large earnings growth works for your advantage for decades. Using an average growth rate from the past do not tell much about the future. Especially, when the past has been very favorable for the business.

Earnings trend can be rising, declining, stable, or volatile. A stable trend does not have a large variation compared to the average growth in any single year. Graham used averages on the top and the bottom of the business cycle. When he evaluated the earnings trend he used the average of the last three years with corresponding figures ten years earlier. For example, average earnings from 2015-2017 compared to average earnings of 2005-2007. Using only the bottom of the cycle and compare that figure to the top of the cycle can give you an inflated number.

Rising earnings trend has some common enemies like harder competition, regulations, and the law of large numbers. No business can grow forever. The bigger the business, the harder it gets to maintain a rising earnings trend. As an analyst, you have to figure out why and how the business can have a rising earnings trend by overcoming the obstacles in its path. Is it because of new products, great management, etc? You should never think that rising earnings trend is maintainable for many business cycles in the future. The error rates of the evaluations stay manageable and you can justify your evaluations with a higher probability of being right. You should also be sure that you are not evaluating an earnings trend by the basis of abnormal business conditions. It doesn´t matter if these conditions happened in the past or are happening right now. You should always evaluate the business in normal conditions and you should ignore all the nonrecurring items.

Declining earnings trend needs different way of thinking than rising earnings trend. Graham recommends thinking the earnings trend by checking the expectations and some qualitative factors of the business. You cannot deal with the average earnings or the earnings trend from the longer time period. You cannot make an assumption that business will go bankrupt because of the declining earnings trend. Changes will be probably made after a period of decline. If you have a stable earnings trend, you should think about the durability of this trend. If this is the case, you can use an average earnings to evaluate the future earnings. A volatile earnings trend can give an edge for a competent analyst. It is more probable that markets are wrong in these cases. Some of the market participants forget these businesses. And you should do the same if you have no edge.

Graham didn´t exclude any businesses depending on the earnings trends. Trends do not mean any short-term changes in the businesses like nonrecurring items or fast declines or rises in the general business cycles. They are not significant, when trends are clear. Sudden earnings declines can offer some valuable opportunities for smart investors. You have to accept cyclical variations in earnings. If you are evaluating a rising earnings trend you have to see that earnings in the bottom of this cycle has to be bigger than in the last one. And the earnings on the top of the present cycle should be bigger than on the top of the last cycle. You should also never pay too much for the rising earnings trend. Expected earnings growth can be too large. Graham says that annual earnings growth should not be higher than ten per cent in the long run.

I hope you will find time to check some companies´ earnings statements for their business cycles and see how their earnings look like through the cycle. Then make your own conclusions if their trends will continue or are there possible trend changes happening.

-TT

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