Consumer Snapshot June 2015

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June 2015

Consumer Snapshot

www.ProsperDiscovery.com © 2015, Prosper® www.ProsperDiscovery.com © 2015, Prosper®

sentiment strategy

Disclaimer: Prosper Business Development and its affiliated companies (“Prosper”) make no warranties, either expressed or implied, concerning: data gathered or obtained from any source; the present or future methodology employed in producing the statistics; or the data and estimates represent only the opinion of Prosper and reliance thereon and use thereof shall be at the user’s own risk.

June 2015

consumer

spending


sentiment

consumer sentiment

month-over-month, confidence perks up a point, with nearly half (49.7%) feeling

confident/very confident in the economy

very confident/confident in chances for a strong economy {adults 18+}

Source: Prosper Insights & Analytics

13 month summary

consumers maintain the elevated sentiment triggered when gas prices began to decline in

late 2014

this month’s reading represents an 18% increase over Jun-14

42.2%

49.7%

30%

35%

40%

45%

50%

55%


sentiment

confidence climbs

consumers’ current sentiment represents a solid

improvement over recent years and continues to track ahead of pre-recession Jun-07


very confident/confident in chances for a strong economy {adults 18+}

consumer sentiment

month-over-month, confidence perks up a point, with nearly half (49.7%) feeling

confident/very confident in the economy

13 month summary

consumers maintain the elevated sentiment triggered when gas prices began to decline in

late 2014

this month’s reading represents an 18% increase over Jun-14

43

.9%

18

.8%

49

.7%

0%

10%

20%

30%

40%

50%

60%


strategy practicality & focus on needs {adults 18+}

practical purchases while confidence ticked upward this month,

practicality remains stable compared to May

continued focus on needs

more than two out of five consumers (44.8%)

maintain needs-based spending plans, a slight increase compared to Jun-14, but remaining consistent with 2015 readings


in June, 37.4% maintain pragmatic purchase intentions, continuing the downward trend

that began late last summer

40.2%

37.4%

44.1%

44.8%

30%

35%

40%

45%

50%

55%

I have become more practical and realistic in my

purchases

I focus more on what I NEED rather than what I WANT


pump price relief


gas price impact {adults 18+}

with gas prices trending below $3/gallon, consumers continue to feel the relief on their budgets

spending

$-

$0.50

$1.00

$1.50

$2.00

$2.50

$3.00

$3.50

$4.00

0%

10%

20%

30%

40%

50%

60%

Ju

n-1

4

Ju

l-1

4

Au

g-1

4

Se

p-1

4

Oc

t-1

4

No

v-1

4

De

c-1

4

Ja

n-1

5

Fe

b-1

5

Ma

r-1

5

Ap

r-1

5

Ma

y-1

5

Ju

n-1

5

Adults 18+: No major impact

Gas Price (U.S. All Grades Avg for Week)

half (50.9%) concede that gas prices are having “no major impact” on their spending this month


spending financial plans over the next 3 months {adults 18+}


debt, savings remain at forefront

increasing confidence, decreasing practicality over the past year haven’t dampened

consumers’ conservative financial focus

20% 25% 30% 35%

Pay down debt

Increase savings

Jun-14 Jun-15 pump price relief




consumer spending outlook


Prosper Consumer Spending Forecast, year-over-year change {adults 18+}

while the overall m/m outlook is relatively flat, the Prosper Consumer Spending Forecast suggests that y/y spending momentum may pick up into summer

discretionary spending plans for dining out, home improvement, décor, furnishings appear

particularly bright this month

spending

debt, savings remain at forefront

increasing confidence, decreasing practicality over the past year haven’t dampened

consumers’ conservative financial focus

pump price relief



0%

1%

2%

3%

4%

5%

6%

7%

May-15 Jun-15

Overall Staples Discretionary


Pam Goodfellow Consumer Insights Director

Prosper Insights & Analytics™ [email protected] ProsperDiscovery.com

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Consumer Snapshot June 2015