I have three years of financial data for 29 matched pairs. I wanted to decrease the number of variables I have, so I did a factor analysis. I came up with three variables: DEBT, INCOME and CASHFLOW.

Now, I want to do discriminant analysis using these variables. My question is how to do that because each variable has several components. For example, CASHFLOW contains operating cash flows, investing cash flows, and financing cash flows. Do I use an average of these in my discriminant analysis?

Everything I can find says that factors scores can be used in later analyses, but they don't say exactly how. Help!