CarMax read and analyze the MD&A

Question: Read and analyze the MD&A. Identify one items that can help you forecast your company’s profitability and credit risk in the future. (Do not repeat what is reported in the MD&A.)
I choose CarMax company, Please look for the 2019 CarMax Company 10-K MD&A
Link: https://www.sec.gov/ix?doc=/Archives/edgar/data/350698/000035069820000042/an10k2019.htm

Requirement:
Assume the role of a stock/credit analyst working for a major investment bank. Your job now is to conduct a comprehensive review of the performance of an assigned company. Since you are to give a complete picture of the company’s operations, you should provide analyses from both the equity holders’ perspective and the creditors’ perspective, by providing both profitability and credit risk analyses.
Your group will be assigned an S&P 500 company. Use the SEC EdgarOnline Database to find the Form 10-K for your company in 2019. If the fiscal year end of your company is not December, please look for the statements that cover the largest portion of the calendar year of 2019.
Identify a major competitor of your company and find its 10-K that can best cover calendar year 2019. Note: You have the freedom to name your company’s competitor. The goal is to facilitate comparison of operating results so it makes sense to name a rival that operates in the same market and possesses similar asset bases. Make sure to state your case for the choice of the competitor.

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