Consumer Snapshot September 2015

www.ProsperDiscovery.com © 2015, Prosper®www.ProsperDiscovery.com
September 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.
September 2015
holiday preview

sentiment
consumer sentiment
confidence declines 2 points to a new low for
the calendar year, at 44.9% for September
very confident/confident in chances for a strong economy
{adults 18+}
Source: Prosper Insights & Analytics
13 month summary
while this month’s reading tracks a few points
ahead of the 13 month low (Oct-14 = 41.0%), it
resides below the 13 month average (47.2%)
current sentiment is even with Sept-14
confidence was likely shaken by stock market
correction and continued volatility on Wall Street44.7%
44.9%
30%
35%
40%
45%
50%
55%

sentiment
very confident/confident in chances for a strong economy
{adults 18+}
a look back…
on the bright side, represents a 10 year high for
sentiment in September and is nearly double
the low recorded in Sept-11 (thanks to the Debt
Crisis)
consumer sentiment
confidence declines 2 points to a new low for
the calendar year, at 44.9% for September
13 month summary
while this month’s reading tracks a few points
ahead of the 13 month low (Oct-14 = 41.0%), it
resides below the 13 month average (47.2%)
current sentiment is even with Sept-14
confidence was likely shaken by stock market
correction and continued volatility on Wall Street
43.4%
41.2%
22.7%
44.7%
44.9%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%

strategy
practicality & focus on needs
{adults 18+}
practical purchases
despite declining confidence, practicality when
purchasing decreases for the second
consecutive month
fewer focus on needs
consumers’ focus on necessities follows suit,
declining from August & down 10% from Sept-14
in September, 35.9% maintain pragmatic
purchase intentions, a 13 month low42.4%
35.9%
46.9%
42.1%
30%
32%
34%
36%
38%
40%
42%
44%
46%
48%
50%
I have become more practical and realistic in my purchases
I focus more on what I NEED rather than what I WANT

strategy
gas prices impacting spending
{adults 18+}
practical purchases
despite declining confidence, practicality when
purchasing decreases for the second
consecutive month
fewer focus on needs
consumers’ focus on necessities follows suit,
declining from August & down 10% from Sept-14
in September, 35.9% maintain pragmatic
purchase intentions, a 13 month low
gas price impact at record low
fewer than half indicate that gas prices are
impacting spending, the lowest level since
Prosper began tracking in mid-2004
54.3%
80.2%
83.3%
44.7%
30%
40%
50%
60%
70%
80%
90%

holiday preview
preliminary holiday gift spending plans
{adults 18+ who have holiday spending plans in mind}
will spending perk up in 2015?
those planning to spend “more” on gifts this
holiday season remain relatively flat y/y, though
fewer plan to spend “less”
0%
10%
20%
30%
40%
50%
60%
Sep-09 Sep-10 Sep-11 Sep-12 Sep-13 Sep-14 Sep-15
I plan on spending more for gifts than last year.
I plan on spending the same for gifts as last year.
I plan on spending less for gifts than last year.

holiday preview
Source: Prosper Insights & Analytics, National Retail Federation
Prosper Holiday Spending Score vs. Estimated Holiday Gift Spending
{adults 18+ who have holiday spending plans in mind}
will spending perk up in 2015?
those planning to spend “more” on gifts this
holiday season remain relatively flat y/y, though
fewer plan to spend “less”
$508
$518
$516
$550
$537
$597
$300
$350
$400
$450
$500
$550
$600
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
2009 2010 2011 2012 2013 2014 2015
Holiday Gift Spending (October)
Prosper Holiday Spending Score (September)
?
Prosper Holiday Spending Score
after a significant jump in 2014, the 2015 Score
remains relatively even, suggesting that planned
gift spending for the upcoming holiday season
will total in the $600 ballpark
directionally speaking, the Score has served as a
relatively accurate bellwether for consumers’
holiday intentions

Pam Goodfellow
Consumer Insights Director
Prosper Insights & Analytics™
pam@goProsper.com
ProsperDiscovery.com
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Consumer Snapshot September 2015

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