Middle Class vs. High Income Consumers

Middle Class vs. High Income Consumers

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Weekly Dashboards

This week’s posts tell a story about the struggles of middle-income consumers which contrasts with the free spending of wealthier consumers with a travel bug. The question for the markets is whether spending support from higher-income consumers can outweigh the malaise of middle America and judging by the performance over the last week, the jury is still out.

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Learning From S&P 500 Results for YTD Period Through 7/19/23

Investors thrilled about the prospect of a soft landing and an eventual cessation of rate hikes pushed stocks through the roof so far through the summer of 2023. Imagine what these bullish results would have looked like if bank stocks had not been roiled by such aggressive rate hikes.

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NoBull’s?Actionable Intelligence Newsletter ?provides succinct, value-added research covering key corporate & economic insights germane to consumer spending which drives 68% of GDP. Our Restaurant Research clients have been relying on us to provide them with analyses on $1B+ restaurant chains since 2000, now trust us to cover the entire consumer landscape for you.


This Week's 15-Second Research Posts


Part 1: How to Value a Stock?

We use the EV/EBITDA multiple to calculate a company’s value. This ratio is not difficult to understand and we look at how the leading consumer retail companies stack up.

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Part 2: Using Financial Forecasts in Valuations

In our last post, we looked at how to use an EV/EBITDA multiple to calculate a company’s value. In this post, we discuss how to complement this analysis by incorporating an EBITDA growth forecast into the equation for a more complete perspective.

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Do We Count People Collecting Disability as Unemployed?

It’s hard to believe that 16% of the working-age population is out on disability. Should these people be considered unemployed? If so, this provides an entirely different impression of the labor market.

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Premium Post

Delta Air Lines 2Q23: Wealthy Ramp-Up Travel Spend

Demand for air travel is strong and the consumer is in good financial shape, particularly the premium consumer base that Delta targets. After years of spending on goods, consumers want to travel. It’s their #1 big-ticket purchase priority and they desire premium experiences.

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Premium Post

Pepsi Co. 2023: Consumers are Shopping for Deals

Consumers are shopping in more stores than before, looking for better deals. They’re buying more in Dollar stores & in shopping clubs and buying more in mass. Every consumer segment is adjusting.

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Premium Post

Conagra Brands, Inc. Fiscal 4Q23: Consumers are Hunkering Down

Consumers have been buying fewer items overall as they hunker down as opposed to trading down. While Conagra’s pricing peaked last quarter, it remains +17% higher than last year as the company has worked to offset its own food cost inflation. While price elasticity softened during the recent quarter, it remains well below historical norms.

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Premium Post

BlackRock, Inc. 2Q23: Countries Spending All They Have on Net Zero

BlackRock believes that “transition investing” (i.e., financing progress towards net zero) is one of the greatest opportunities in the world today. There is not a government that is not focused on this, especially for countries that are dependent on the importation of power.

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Premium Post

Yum! Brands Global: Plans to Open Another 100K Restaurants

Key Points from Q&A with Chris Turner, Yum!’s CFO covering the chain’s global business spanning 155 countries with 55,000+ restaurants run by 1,500 franchisees.

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Abbreviated Report

Papa John's Report 2023

Papa John’s brand positioning emphasizes: long standing “Better Ingredients. Better Pizza. Papa Johns” messaging; menu innovation designed to drive reach into new demos and to diminish the need for discounting; digital strength; and culturally relevant marketing tie-ins. While Papa John’s is executing around a solid strategy, its upscale positioning may have to wait for an economic recovery before it regains traction.

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