The low ROE, even with significant debt, is disappointing. Investors should ponder on the company's performance if borrowing wasn't so easy, as credit markets fluctuate. A high ROE without debt indicates a high quality business.

The steady decline in returns on capital and revenue, along with a rise in capital usage, are worrying trends. Despite a 4.7% growth over the past five years, it's suggested to consider other investment opportunities due to these negative patterns.