Applied Statistical Models for Evaluating Firm Operating Performance and Investment Returns

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Applied Statistical Models for Evaluating Firm Operating Performance and Investment Returns Christopher Chen1 Yale University

1

Abstract This paper investigates the extent to which CEO, industry, firm, year, corporate parent, and business segment effects contribute to variation in the performance of public US companies classified by NAICS industry codes between 2010-2018. Applying several statistical models, the paper finds that 32.9% of segment profit variation is associated with business segment effects with negligible year effects (0.11%), similar to the findings of prior literature. This analysis also finds that corporate parent membership plays a larger role and industry and CEO effects play a smaller role in profit variation than previously suggested. These results have potential implications for the fields of strategic management, financial economics, and others, but several considerations, 1.) comparability and external validity of results, 2.) lack of performance-level mechanisms of causal inference, 3.) reliance on variation as a tool for generalized linear regression, and 4.) autocorrelation, represent key limitations to the interpretation of these results.

INTRODUCTION Across the study of strategic management, industrial organization, financial economics, and other disciplines, accurately evaluating the determinants of firm performance remains an important and persistent question. Examining the sources of unequal rates of returns at the firm level is particularly important given several notable implications: 1.) differing drivers of profit variation serve as indicators of unequal resource flows in financial markets (McGahan and Porter, 1997), and understanding intra-industry effects on firm performance contributes to literature on efficient markets (Firth, 1996), 2.) the components of variations in a firm's profitability can affect contemporary debate about the relative importance of collective circumstances for entire industries compared to unique firm-specific endowments (Rumelt, 1991), and 3.) understanding the impact of managerial

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decision-making on differing operating returns can influence prevailing views about executive compensation, organizational behavior, and corporate governance to maximize shareholder returns (Bertrand and Schoar, 2003; Tosi et. al., 2004). At the same time, one of the major challenges of this topic of study is statistically and empirically disaggregating the plethora of factors that collectively drive reported inequalities in accounting returns for firms over time. Short-term shocks and drastic financial events reflecting significant tail-risk volatility can result in serial correlations in operating returns that reduce the effectiveness conventional regression specifications, particularly in data sets capturing a narrower time frame (Linton, 2019). Furthermore, the comparative difficulty in sourcing comprehensive data has been an obstacle to historical analysis (McGahan and Porter, 1997), and the changing nature of accounting methods, rapid deepening of financial markets, industry and business-unit classification, and shifts in economic

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structure in the United States throughout the late 20th and early

separated stable and transient industry effects with data from 4

21st century have further complicated attempts to establish a

years of FTC manufacturing data between 1974-1977. Running

consensus of viewpoints in this area of study.

fixed effects regression and ANOVA, Rumelt concluded that

Due to its wide-range of practical applications,

when considering only stable effects the importance of industry

potential for contribution to interdisciplinary literature, as well

was overstated, with stable business-unit effects capturing

as historical challenges in statistical methods and data

around 6 times more variance in firm returns than stable industry

collection, the precise decomposition of accounting profit into

effects (46% versus 8% respectively) with 73% of total variance

varying effects specific to a firm's industry membership,

explained by these components (1991).

corporate parent, and business segment classification is an

McGahan and Porter examine the same decomposition

intriguing and consequential empirical question that defines the

of

objective of this research.

methodological and dataset improvements. Using over a decade

firm

operating

returns,

with

several

significant

The remaining sections of this paper are organized as

of Compustat Business Segment data between 1981-1994, with

follows: Section 2 provides a brief review of the state of current

SIC codes to measure business segment instead of simple

literature and applied econometric methods; Section 3 describes

business-units, they were able to more accurately classify the

data collection, sourcing, structure, as well as considerations

diversified business activities of conglomerates (1997). These

made when during cleaning and processing; Section 4 defines

advancements addressed two of the main weaknesses exhibited

the empirical strategy of fixed and random effect statistical

by earlier studies: 1.) the risk of measurement error caused by

models and variance component analysis; Section 5 presents

autocorrelation, and 2.) lack of generalizability due to a

results, interpretation, and discussion; finally, Section 6 will

manufacturing-specific FTC Lines of Business dataset.

summarize and conclude.

In more recent literature, Bertrand and Schoar use empirical techniques on panel data to quantitatively evaluate the

LITERATURE REVIEW Bain's seminal analysis of profitability and industry, published in 1951, was one of the first cross-sectional

role of managers in driving firm value. Swinney et. al. examine industry effects in the context of ESG principles, measuring cross-industry interactions of firm performance, business-owner gender, and education (2006).

examinations of the role of industry-specific effects on unequal

Despite the significant innovations in statistical

endowments of firm returns. Drawing on manufacturing-

methods and research design employed by the most recent

specific data between 1936-1940 and objectively testing the

literature published in the 2010s when compared to the earliest

economic theory of oligopolistic groups of sub-industries

studies in the 1950s, the nature of the relationship between

exhibiting more interdependence, or a greater propensity for

attributes of firms and variation in firm performance continues

industry effects to capture variation in each firm's profitability,

to evolve. From the gradual effect of technological change on

Bain ultimately concluded that this phenomenon was

labor

empirically reflected in the real-world data (1951).

specialization (Carter, 1970), to the shift to a skill-intensive,

market

input-output

coefficients

and

industrial

Rumelt further qualified these findings within the

service-based economy (Buera and Kaboski, 2012), these

framework of firm returns as driven by competing theories of

structural changes are ongoing. This paper seeks to apply

collective industry versus business-specific endowments, and

statistical techniques to a comprehensive cross-industry dataset

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in a much more recent time frame (2010-2018), and re-examine

Figure 1. Plot of Raw (Pre-Winsorized) Metrics –

the role of industry membership, corporate parent, CEO, and

Manufacturing Data

business segment-specific effects as determinants of firm performance over time.

DATA The data for this research was primarily sourced from Wharton

Research

Data

Services

and

the

connected

CRSP/Compustat Merged (CCM) database over the time period between 2010-2018 (WRDS). Descriptions of businessdatabase and finance-specific acronyms is included in Appendix

Figure 2. Plot Winsorized Metrics – Manufacturing Data

F. main identifier for firm and business segment-level data was its GVKEY, a Compustat-specific identifier. To obtain a list of GVKEYs, historical to current ticker symbols listed on three major US exchanges -- the New York Stock Exchange (NYSE), National Association of Securities Dealers Automated Quotations (NASDAQ), and American Stock Exchange (AMEX) -- were retrieved through the financial data platform EODData. This list included 8892 ticker symbols representing exchange listed companies, exchange-traded products such as exchange-traded funds, exchange-traded notes, and other structured investment vehicles.

Figure 3. Plot Winsorized Metrics – All Data

Prior to running analysis on the fundamentals and business segment data, these datasets were winsorized -removing the least and greatest 1% of the observations -- with respect to the operating metrics ROE, ROA, invested capital, as well as operating income before depreciation (Figures 1 through 4). The rationale behind the winsorizing process was the minimize the influence of extreme outliers in the data that would affect the statistical methods used, as well as change the shape of the distribution to better satisfy the normality and homoskedasticity assumptions made for linear regressions (McCue et. al., 2008).

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SOCIAL SCIENCES | Strategic Management Social Sciences Figure 4. Plot of Raw (Pre-Winsorized) Metrics – All Data

VOL. 1.1 | Oct. 2020 between years for ROE and ROA as financial ratios. As an example, the EBITDA for a certain year may be highly correlated with total assets when a firm is growing quickly. Research in managerial decision-making has used lagged variables (i.e. taking a total assets value from last year) to reduce the distortion effects from autocorrelation within each financial ratio. Measures of ROE and ROA are also selected for this analysis because it naturally controls for firm size: both smalland large-cap companies, when their metrics are formed into financial ratios, are similarly comparable in terms of their fixed effects regressions and variance decomposition. As such, the

There were several data structure optimization methods

full fixed effects specification is as follows:

used to improve the memory usage, runtime, and efficient table output throughout the analysis. For example, the "data.table"

Respectively from left to right, y represents policy

and "bigmemory" packages were used to reduce the overall

variables or metrics of firm return (log invested capital, ROE,

runtime of large fixed and randomized effect regressions run on

ROA) for firm i at year t, alpha represents year-specific fixed

the expanded dataset (Kane et. al., 2019; Hlavac, 2018). These

effects for year t, gamma represents firm-specific effects for

same methods were previously used in a number of research

firm i, X represents a set of time-varying firm level controls for

applications involving large dataset and multiple data sources

firm i at year t (e.g. lag log total revenue, lag log total assets,

(DiMaggio, 2015; Rosario, 2010).

and lag log EBITDA), lambda represents CEO fixed effects, and epsilon represents the error term.

EMPIRICAL METHODOLOGY

Thus, the reduced form OLS regression without fixed effects which was used for comparison of absolute R-squared

Using

the

fixed

effects

model

specification

with the full fixed effects model follows this specification:

implemented by Bertrand and Schoar, we run model specifications in which the policy variable is a metric of firm operating performance: 1.) log invested capital, 2.) lagged ROE, or 3.) lagged ROA (Appendix F). These normalized, lagged, and log transformed dependent variables are representative of investment and financial policies by managers. The motivation for including log-transformed variables was to make them reflect normality, particularly in smaller sample sizes or raw data that may not follow a univariate normal distribution. The motivation for including lagged variables is that there may be correlation

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In this case of decomposition of firm performance into manager, firm, and year effects, applying fixed effects to paneldata is a particularly useful identification strategy because it controls for heterogeneity across factors and adjusts for firmyear specific shocks, isolating the explained variation (measured by absolute R-squared) of manager-specific effects in the position we observe them in the dataset (Jurajda, 2007; Torres-Reyna, 2010). One important assumption made in this empirical strategy is that the dependent corporate policy variables, despite

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being log transformed and lagged to year t - 1, must remain

manufacturing segments compared to more service-based

informative of manager decision-making in year t. In this case,

business segments such as sales or support services.

given that log transformations are linear and change the

Applying a random effects (random intercept, partial

distribution and not the ordering of the data, and variables are

pooling) specification to this data allows each independent

lagged on a relatively short timescale (prior year), this

variable to be predicted as a separate distribution, drawing from

assumption is approximately satisfied (Bertrand and Schoar,

group means for the randomized effect of each variable. In this

2003). Still, this remains a consideration when interpreting the

case, the specification assumes that the random effects are

results of fixed effects regression.

specific to business segments drawn from a broader population

For the second step of our analysis, we use a business

of all business segments across all years and within year t,

segment-specific dataset including the expanded set of

independently and identically distributed with mean 0 and

industries (excluding banking, insurance, and utilities) and

standard deviation sigma-squared. Because of the possibility of

apply a random effects model specification. This empirical

group factors (random effects) that correlate with time-invariant

method follows the one implemented by McGahan and Porter

predictor attributes of business segments, the fitted model is

(1997) on previous Compustat data between 1981-1994, with

implemented

reference to the theoretical models used by Rumelt (1991), and

(REWB) specification combined with industry, corporate-

Schmalensee

parent, and segment specific predictors to build the random

(1989).

Using

the

following

regression specification:

following

a

random-effect-within-between

effects model used in final analysis (Ludecke, 2019; Meier, 2018; Torres-Reyna, 2010).

Respectively from left to right, r represents operating income before depreciation in year t in corporate-parent k in parent industry i, mu represents the average profit across all business segments for the entire panel, gamma represents the difference between mu and the average profit of all business segments in year t, and the remaining predictors alpha, beta, and phi represent industry, corporate-parent, and segment fixed effects respectively (i.e. increments to profits conferred by status in a specific industry, parent, or segment). The decision to use operating income before depreciation as a proxy of operating profit was to minimize the influence of large asset write-downs in any specific year on the overall regression results. These differences in depreciation are

Implementing variance components analysis, the decomposition of variation in firm performance allows for comparison of how much variation in business segment performance is due to variation in segment, corporate parent, industry, and year effects. This analysis builds off of the prior random effects specification and equates observed ANOVA Type-I sums of squares to their expected values, solving linear equations for variance components. This follows the ANOVA method of Searle (1988), and results in the percentage of variance attributable to each factor. Following McGahan and Porter's estimation method (1997) and calculating components of variance of business-segment operating returns, the estimation of interest is the following:

not only indicative of changing accounting standards and regulations, but also may impact industries differently based on their

capital-intensity

--

particularly

PP&E

heavy

Respectively from left to right, sigma-squared R represents the variance of operating income before depreciation, sigma-squared gamma represents population variance in year

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specific random effects, sigma-squared alpha represents

such as total revenue, net income, EBITDA, ROA, and ROE

population variance in industry specific random effects, sigma-

seem to be in the same broad range (Tables 1 and 2).

squared beta represents population variance in corporate parent

Table 1. Descriptive Statistics – Manufacturing Data

specific random effects by GVKEY, and sigma-square phi represents population variance in business segment specific random effects by segment name -- all as a portion of the sigmasquared R variance term. sigma-squared epsilon is the residual or error population variance, and rho is a constant coefficient term representing a function of the rate of persistence of effects specific to McGahan and Porter's design. Because this research doesn't incorporate analysis of persistence, the components of variance equation used will use the same random effects as McGahan and Porter, but without rho. As such, the final

Table 2. Descriptive Statistics – All Data

decomposition uses the same random effects as above, but in a reduced form without persistence that closely follows the components of variance equation estimated by Rumelt (1991):

Applied to generalized linear models, components of variance analysis is important because it establishes a method of comparing the proportional amount of variation in operating income before depreciation associated with each random effect. Combined with statistical tools of fixed and random effects in a generalized linear model specification, this empirical basis allows the paper to evaluate industry, business segment, corporate parent, year, and CEO effects and their role in driving firm performance between 2010-2018.

RESULTS AND DISCUSSION

Based on output from reduced-form OLS regressions with several metrics of firm profitability (log invested capital, ROE, and ROA) as dependent variables, and adjusting for a set of firm controls such as lag log total revenue, EBITDA, and others as independent variables (Tables 3 and 4), the analysis finds that for both datasets, ROA exhibits a statistically significant positive relationship with log invested capital and firm ROE at a 0.01 significance level.

Fixed Effects Regressions Comparing descriptive statistics for the two samples used in fixed effects: 1.) the restricted manufacturing-specific dataset, and 2.) the expanded cross-industry dataset (excluding banks, insurance, and utilities), the measures of operating profit

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SOCIAL SCIENCES | Strategic Management Social Sciences Table 3. Reduced-Form OLS (Without Fixed Effects) – Manufacturing Data

VOL. 1.1 | Oct. 2020 Next, we compare the reduced-form OLS results with an expanded regression that includes manager-specific effects to discern to what extent systematic changes in specific CEO identity can explain variation in changes in performance at the firm-level. To evaluate marginal impact of manager fixed effects on the firm's operating performance, we run two specifications: 1.) a base case that includes the reduced-form OLS regression with firm-level controls with firm and year fixed effects, and 2.) a full regression that includes the base case specification and additional manager fixed effects. Examining the summarized output table of F-Statistics and absolute R-squared for these two specifications (Tables 5 and 6) and comparing it with the initial reduced-form OLS regression output (Tables 3 and 4), the output shows that the addition of firm and year specific effects in the baseline fixed effects model vastly improves variation explained over the

Table 4. Reduced-Form OLS (Without Fixed Effects) – All Data

reduced-form OLS. For example, for the cross-industry dataset the absolute R-squared increases from 77.1%, 12.2%, and 19.9% for log invested capital, ROE, and ROA respectively, to a significantly higher absolute R-squared of 99.8%, 27.9%, and 63.7% in the fixed effects regression including year and firm fixed effects. This drastic increase in variation explained persists regardless of whether invested capital is log transformed (Appendices A and B). Next, comparing the base case fixed effects regression adjusting for year and firm fixed effects with the full fixed effects regression adjusting for year, firm, and CEO fixed effects, there is a smaller but still tangible increase in R squared. For both the manufacturing-specific and cross-industry datasets, the absolute explained variation rises from 99.80% to 99.84% when allowing log invested capital to be year, firm, and manager-specific, with a statistically significant R-squared increase in the cross-industry dataset.

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SOCIAL SCIENCES | Strategic Management Social Sciences Table 5. Executive Effects on Invested Capital and Firm

VOL. 1.1 | Oct. 2020 Table 7. Descriptive Statistics – All Data

Returns – Manufacturing Data

Table 6. Executive Effects on Invested Capital and Firm Returns – All Data

Applying the random effects specification described in Section 4, the output shows a regression of firm profit measured in operating income before depreciation adjusting for businesssegment, corporate parent (GVKEY), industry (NAICS), and year random effects -- treating each predictor as a separate

Another interesting result is that while the inclusion of CEO fixed effects in the full regression does increase the marginal amount of variation explained, it improves the model only minimally with a much smaller magnitude than the inclusion of year and firm fixed effects into the reduced-form model. One likely reason for this can be attributed to the data -within the CEO dataset, there were only 17 executives who had switched to another listed firm.

distribution to draw from and accounting for the group means of each specific effect (Table 8). While the intercept and constant in this output is not as informative on its own since the model is not mixed and every predictor is treated as a random variable, when combined with ANOVA and components of variance analysis this model specification provides a more direct decomposition of business segment operating profit.

Random Effects Regression and VCA Because the following analysis uses only a single sample of expanded cross-industry business segment level data to run random effects regression and variance components analysis, Table 7 summarizes the mean, median, and standard deviation, as well as the distinct NAICS industry classifications for each variable.

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SOCIAL SCIENCES | Strategic Management Social Sciences Table 8. Random Effects Model Output for Compustat Data 2010-2018

VOL. 1.1 | Oct. 2020 About 10.12% of variance in business segment profitability can be explained with industry-specific variance. Although this percentage is notably lower than the 18.68% cited by McGahan and Porter and is more aligned with Rumelt's findings of ~8%, one key consideration is that this study differs from previous authors in several major ways: 1.) this analysis uses a full cross-industry dataset, while Rumelt used an FTC dataset that limits industry membership to manufacturing firms, and 2.) this analysis applies an estimation strategy with no persistence term. These differences in method and encoding of data limit the comparison of industry effects. Roughly 52.12% of variance in business segment operating income before depreciation is associated with corporate parent-specific effects, a result significantly higher than the 4.33% component of variance concluded by McGahan and Porter. However, the higher total variation explained in this analysis seems to support these differing results. While this analysis accounts for 95.26% of total variation, McGahan and Porters' analysis explains 51.60% in total variation -- a 43.66%

Table 9. Variance Components for Random Effects Model – All Data

difference in total variance that partially accounts for these drastically

different

estimates

for

corporate

parent-specific effects.

CONCLUSION Across many disciplines of management research, understanding the determinants of differing firm performance Examining the components of variance decomposition

across industries has been an important topic of study, and

of business-segment, firm, industry, and year as an extension of

remains a topic with wide-ranging implications for the fields of

the prior random effects regression, out of all variation in

financial

operating income before depreciation, with 32.90% of variance

compensation, and entrepreneurship.

economics,

strategic

management,

executive

in business segment operating profit prior to depreciation

This paper investigates this question by applying a set

attributable to segment-specific random effects. This result is in

of statistical models to evaluate the extent to which CEO,

line with analysis of Compustat data between 1981 and 1994, in

industry, firm, year, corporate parent, business segment-specific

which McGahan and Porter find a 31.71% segment-specific

effects contribute to variations in firm performance in terms of

effect (1997).

operating profit, invested capital, and returns. In doing so, this

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analysis seeks to re-evaluate and re-examine the role of specific

role in driving variation in firm performance. Additional

effects in driving firm performance in light of shifting

robustness tests, such as hypothesis testing, would need to be

economic, financial, and managerial trends.

run on both back-tested historical data, using a method such as

Using a cleaned cross-industry panel dataset of the firm

cross-validation, as well as run on forward looking future data

and business segment performance of listed companies on three

using identical regressors. This method would maximize both

major U.S. exchanges between 2010-2018, this analysis applies

in-sample and out-of-sample accuracy, and ensure that fixed and

fixed and random effect regressions and decomposition of

random effect regression models are both statistically robust

variance components techniques to the sampled datasets.

and significant.

Overall, this paper finds that adding firm, year, and CEO fixed effects to a reduced-form regression increases the explained variation of firm performance (measured in terms of

APPENDIX A

invested capital, ROE, and ROA) by between 17.6 and 48.1

Reduced-Form OLS With Non-Log Invested Capital

percentage points, and that marginally allowing performance to

Table 10. Reduced-Form OLS (Without Fixed Effects) –

be CEO-specific on top of firm and year fixed effects increases

Manufacturing Data

the explained variation of firm performance by between 0.04 and 4.3 percentage points. Based on random effects and variance component analysis, the segment-specific and year results approximately match earlier findings by McGahan and Porter (1997). Furthermore, compared to prior literature this analysis suggests that there are comparatively larger effects associated with corporate parent variation, and comparatively smaller industryspecific and marginal CEO-specific effects that drive differences in operating profit across this period. Despite the objective of this paper to evaluate the components of firm performance, the method, data, and interpretation of this paper still faces limitations and considerations. One limitation is that this analysis does not infer causality, and cannot determine the precise mechanism through which membership in a certain industry leads to differences in capital investment, ROE, ROA, and other performance metrics. Statistical analysis of this type is also limited to some extent because it relies on observed variation to run effectively -- by regressing and adjusting for effects capturing the movement of CEOs across different firms, this analysis does not account for internal executive hires who may also play a major

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SOCIAL SCIENCES | Strategic Management Social Sciences Table 11. Reduced-Form OLS (Without Fixed Effects) – All Data

VOL. 1.1 | Oct. 2020 For the full dataset, the absolute explained variation rises from

1

95.30% to 96.00% when allowing invested capital to be year, firm, and manager-specific. For the more investment-heavy manufacturing data, we see a larger change from 94.8% to 96.3%.

APPENDIX C Variance Components (10 Partitions, TSS Weighted) Table 14. Variance Components (10 Partitions, TSSWeighted)

Using a calculation for Total Sum of Squares (TSS) to weight variance components for each 10% subset of data, following this method of calculating Total Sum of Squares:

APPENDIX B Fixed Effects Output with Non-Log Invested Capital1 Table 12. Executive Effects on Invested Capital and Firm Returns – Manufacturing Data

For all subsets 1 to n, and where y represents the operating income before depreciation for each observation in a subset i, and y bar represents the subset group mean of operating income before depreciation (Britannica).

Table 13. Executive Effects on Invested Capital and Firm Returns – All Data

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APPENDIX D Variance Components (10 Partitions, SSE/RSS Weighted)

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SOCIAL SCIENCES | Strategic Management Social Sciences Table 15. Variance Components (10 Partitions, SSE/RSSWeighted)

VOL. 1.1 | Oct. 2020 When variance components exhibits a negative percentage of

2

explained variance in a random effect model, this may be due to a number of different reasons: •

Inherent in the structure of the data and model, if there is a main plot error that is less than the subplot mean squared error, this may result in a negative calculation of random effect model variance (Nelder, 1954)

Calculating Sum of Squared Estimate of Errors (SSE) /

Residual Sum of Squares (RSS) to weight variance

The data may contain outliers, or each of the random effects in the regressed model may not be the ideal fit

components for each 10% subset of data, following this

for the data, causing a reduction in captured variance

method of calculating SSE/RSS:

similar to downwards R-squared adjustment (SAS, 1999; Hocking, 1983) •

Relatively low accuracy and large errors of components

For all subsets 1 to n, and where epsilon represents residual

that are measurement-dependent caused by any factor

errors equivalent to the difference between each subset mean

above, or other attributes of the data or method (Gao et.

from the fitted regression values -- the mean operating income

al., 2006)

before depreciation of the full dataset (RSS).

APPENDIX E Variance Components by 10% Partitions, List of Subsets2 Table 16. Partition Variance Components (Subsets 1-5)

APPENDIX F Glossary of Key Terms and Acronyms Financial and Management Terminology EBITDA: Earnings before interest, taxes, depreciation, and amortization, and a non-GAAP measure of financial performance excluding the cost of capital expenditure and debt payments. ROA: A financial indicator of overall efficiency, measuring a ratio of EBITDA over lagged total assets, for the purpose of

Table 17. Partition Variance Components (Subsets 6-10)

adjusting for autocorrelation over the time period of the dataset. ROE: A financial indicator of overall efficiency, measuring a ratio net income attributed to common equity, and average shareholder equity over the time period of the dataset. PP&E: Classification on the balance sheet of a company’s fixed and tangible assets that are expected to be used over a long-term time period, usually over one year.

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SOCIAL SCIENCES | Strategic Management Social Sciences Firm-Specific Endowments: The resources of driving factors associated within a single firm, and not between firms or between the individuals and executives at the firms. Internal Executive Hires: Executives such as C-Suite managers, or other executives, who were promoted from senior internal roles, instead of hired from another firm or industry. Database Terminology NAICS: North American Industry Classification System, used by the US, Canada, and Mexico to classify businesses by industry based on the majority of activity at the business. WRDS: Wharton Research Data System, a financial data repository aggregated by the Wharton School of Business at the University of Pennsylvania. CSRP/Compustat: Combined database of the Center for Research in Security Prices, and Compustat, a database of financial and market information on companies, indices,160 and industries. FTC Lines of Business: Data recorded by the Federal Trade Commission, for the purposes of applied research and data collection and dissemination of information about American industry.

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