bespoke market intelligence consumer pulse dashboard · bespoke market intelligence key takeaways...

BESPOKE Market Intelligence Consumer Pulse Dashboard

Consumer Sentiment

Consumer Confidence

Spending Categories

Employment

Income / Job Security

Personal Finances

Stock Market View

Interest Rates / Risk

Investor Sentiment

Gas Prices

Financials

Credit Card Payments

Renting / Mortgage

Recent Home Purchases

Future Home Purchases

Real Estate Sites / Apps

Home Improvement

Recent Auto Purchases

Expected Auto Purchases

Health Insurance Costs

Healthcare Utilization

Healthcare

Autos

Housing

Healthcare Procedures

Mortgage Delinquencies

Accounts, Traffic, Purchases, ASPs: Past Month

Smartphone Retention Rates (AAPL; Android)

Streaming Services (NFLX; P; AMZN)

Social Media (FB; TWTR; LNKD)

E-Commerce (AMZN; EBAY; GRPN; ZU; OSTK)

Drug Stores (WAG; RAD; CVS)

Home Improvement Retail (LOW; HD; SHLD)

Department Stores (M; SKS; JWN; DDS; JCP; KSS)

Restaurants (MCD; YUM; CMG; WEN; DNKN; PNRA; SBUX)

Dollar Stores / Big Box (FDO; DG; DLTR; FIVE; WMT; TGT)

Airlines (DAL; AAL; UAL; JBLU; LUV)

Online Travel (PCLN; OWW; EXPE; TZOO)

Consumer Electronics (AAPL; GOOG; AMZN; MSFT; NOK)

New Apple Products (AAPL)

Theme Parks (DIS; SIX; MCAI; SEAS; FUN)

Smartphone Ownership (AAPL; BBRY; AMZN; MSFT)

Sector Specific (Click Buttons to View)

Stock Specific (Click Buttons to View)

Summary Pages (Click Buttons to View)

Consumer Macro (Click Buttons to View)

Summary Data Map

Sentiment

Labor Market

Consumer Finances

Housing

Retail Traffic / Activity

Overall

Key Takeaways

Consumer Heat Map

Stock Recommendations

Investors

Return to DashboardBESPOKE Market Intelligence

Key Takeaways – Data MapMay Traffic

At right is our Data Map that summarizes all of the indicators that we’re able to pull from our monthlysurvey. The most recent reading is shown under “Current”, and we highlight whether it got better or worseversus the prior month. Overall, there continues to be a healthy degree of optimism from the consumer,which is a good sign for upcoming spending.

Overall indicators were mixed, with deteriorating sentiment despite improvement in income gains. As wediscuss in our “Sentiment” summary on page 6, we think rising gas prices are the direct cause of thesentiment changes. Other indicators were mixed with labor markets deteriorating slightly on the month.Finances are once gain the worst category despite income gains.

From an optimist’s perspective, traffic improved dramatically on a number of indicators this month, with bigjumps in home improvement, e-commerce, restaurants, and auto expected purchases. Housing also remainsby far the brightest sector we track, with all kinds of leading indicators continuing to perk up.

Investors remain very bullish, which is why both current and historical Investor readings are now, in our view,negative.

MAY 2015

Current Month/Month Historical

Sentiment

Consumer Confidence (Economy) 2.76 Worse 2.84

Consumer Confidence (Finances) 3.02 Worse 2.98

Discretionary Spending 2.80 Better 2.79

Living Paycheck to Paycheck 46.6 (%) Worse 43.3 (%)

Financial Condition vs. Average Person 3.10 Same 3.10

Labor

Weekly Hours Worked (Across Industries) 38.0 Better 38.0

Unemployed and Looking for Work 6.1 (%) Better 6.3 (%)

US Unemployment Outlook 3.08 Worse 3.10

Filed for Unemployment Assistance 5.1 (%) Worse 4.2 (%)

Concerns About Job Security 3.65 Better 3.64

Finances

Consumer Debt 2.63 Worse 2.54

Credit Card Delinquencies 13.8 (%) Worse 13.2 (%)

Personal Income 3.39 Same 3.39

Housing

Building Permits 3.3 (%) ↑ 3.1 (%)

Recent Purchases (past three months) 2.7 (%) ↓ 2.8 (%)

Planned Purchases (in next year) 8.1 (%) ↑ 7.6 (%)

Mortgage Delinquencies (2+ months) 7.8 (%) ↑ 6.1 (%)

Refinanced Mortgage in Past Year 7.5 (%) ↑ 6.6 (%)

Activity

Retail Traffic (Visits Per Respondent)

Drug Stores 0.94 ↑ 0.93

Big Box / Dollar 1.60 - 1.60

Home Improvement 1.67 ↑ 1.45

Department Stores 0.89 ↓ 0.87

Purchase Activity (Purchases Per Respondent)

E-Commerce 1.10 ↑ 1.03

Consumer Electronics 0.65 ↑ 0.57

Airlines 0.28 ↑ 0.24

Restaurants 2.30 ↑ 2.16

Healthcare

Hospital Utilization (past month) 8.8 (%) ↑ 7.5 (%)

Physician Utilization (past month) 22.1 (%) ↓ 23.6 (%)

Insured 88.5 (%) ↑ 87.8 (%)

Autos

Purchases (past three months) 5.3 (%) ↓ 5.7 (%)

Expected Purchases (next six months) 10.6 (%) ↑ 10.2 (%)

Investors

Risk Tolerance 2.93 ↓ 2.94

View of Stock Market 3.27 - 3.27

Bullish Sentiment 37.4 (%) ↓ 35.1 (%)

Bearish Sentiment 12.8 (%) ↑ 10.5 (%)

Bespoke Consumer Pulse Data Map

BESPOKE Market Intelligence

Key Takeaways – Heat MapConsumer Pulse surveys 1,500 to 2,000 Americans, with geographic distributions in-linewith the US Census. The survey always takes place during the week containing the 12th ofthe month and poses 75 questions that we group in to six sections: Sentiment, LaborMarkets, Personal Finances, Housing, Activity, and Investors. By breaking down ConsumerPulse into these sections, we are able to show not only top-down sentiment trends andtheir drivers, but individual areas of strength or weakness with respect to demand,budget, and trends.

The next eight pages break down key trends we saw for each of these areas, includingactionable single-stock or ETF trade ideas that are supported by the data from the survey.Our single-stock takeaways are provided on page 4, and a summary of each category atright is provided on pages 6-10. Following our category summaries, we delve intodetailed analysis of individual questions, broken up by section. The Heat Map at rightshows the high-level assessment of this month’s report, but it’s important to note thatour findings are difficult to summarize with one “net” reading. Housing remains a majorbright spot and labor markets had a solid reading for the moth of May. One bearishindicator that continue to accelerate are delinquencies in both mortgages and credit carddebt, which hit new series highs despite rising incomes and employment.

Changes in Heat Map Versus Last Month

- Labor Market: Continued improvement.

- Housing: Solid leading indicator and traffic activity.

- Consumer Sentiment: Negative month-over-month, but only modestly.

- Consumer Activity: Bounce-back with large gains in numerous categories.

- Personal Finances: Moderate weakening led by continued rises in delinquency.

- Investor Sentiment: Bullishness and positive sentiment at new series highs.

Bespoke Consumer Heat Map

MAY 2015

Outer Band: Current Conditions

Inner Band: Month-Over-Month Change

Better Same Worse

Positive Neutral Negative

Inner Band

Outer Band

Return to Dashboard


Key Takeaways – Stock PicksThe stocks below are names that have positive and negative catalysts based on the data we gathered fromconsumers. Longs are names focused on housing and consumer credit. Shorts are names that are alsoconsumer facing, but are starting to break down technically or have run up significantly.

ITB (iShares U.S. Home Construction) – We love housing right now and almost all of our data suggests thathousing market activity continues to improve throughout the country. We especially like trends in homeimprovement spending and plans to purchase. ITB gives broad exposure to builders. (page 8)

WFC (Wells Fargo & Co) – Wells Fargo’s traditional banking business can only benefit from increasedmortgage lending that would come with a more rapid market turnover. As an added benefit the large moneycenter bank will see EPS tailwinds from a rate hike if one happens this year as we expect. (page 20)

RAD (Rite Aid) – While traffic hasn’t fallen off a cliff for RAD, we don’t like the slow, steady downtrend inshare that we’ve seen from the name. After a huge run since last December, now is the time to exit. (page38)

LNKD (LinkedIn Corp) – After a disastrous report last month, we think LNKD isn’t done falling as traffic trendsare less than inspiring for the name. Even worse, more than half of young consumers (18-24) have nevervisited the site. (page 34 and 35)

SBUX (Starbucks) – Starbucks continues to trend higher and we think the slight slowdown in traffic we’veseen is due to rebound further following a big gain this month.

MAY 2015

iShares U.S. Home Construction (ITB): Last Six Months

Wells Fargo & Co (WFC): Last Six Months

Rite Aid Corp (RAD): Last Six Months

23.00

24.00

25.00

26.00

27.00

28.00

29.00

30.00

50.00

51.00

52.00

53.00

54.00

55.00

56.00

57.00

58.00

5.00

5.50

6.00

6.50

7.00

7.50

8.00

8.50

9.00

9.50

LinkedIn Corp (LNKD): Last Six Months

170.00

190.00

210.00

230.00

250.00

270.00

290.00

Starbucks (SBUX): Last Six Months

38.00

40.00

42.00

44.00

46.00

48.00

50.00

52.00

54.00

Return to Dashboard

40

42

44

46

48

50

52

-25

-20

-15

-10

-5

0

5

10

July Aug Sept Oct Nov Dec Jan Feb Mar Apr May

Economic Sentiment Versus Income Gains

Positive Minus Negative Sentiment (%, Left Axis)

% Reporting "Higher" or "Much Higher" Income (Right Axis)


Key Takeaways: Sentiment

At right we show the recent divergence between sentiment and income. As shown, the netsentiment reading (“Positive” and “Very Positive” less “Negative” and “Very Negative”) hasdiverged sharply from the percentage of consumers reporting “Higher” or “Much Higher”income over the past year. From the start of our data set through January, the two had move uplargely in tandem. This is intuitive; as consumers see better income gains, they should becomemore confident. But since January, there’s been a sharp divergence. Why?

The answer is gas prices. Starting in December, we began capturing sentiment on gas prices byasking consumers if they had noticed changes in gas prices recently. On our tracker, higherresponses indicate consumers see gas prices rising, while lower responses indicate consumerssee gas prices falling. As shown at right, the tracker perfectly captures the movement down insentiment amongst our survey respondents since the start of the year. In other words, our datashow that consumers’ perceptions of the economic outlook is highly dependent on gas prices.

What does that mean for consumer spending? It’s not entirely clear. Activity tracked by oursurvey didn’t indicate that spending surged in response to low gas prices, so we don’tnecessarily expect the increase in prices to pinch spending, despite the negative sentimentimplications. That said, consumer free cash flow isn’t growing as fast as it was in the fall, so thatcould put further downward pressure on spending after a lackluster start to the year.

Key Takeaways

- Economic sentiment has detached from reported income gains

- Gas prices play a large role in this dynamic

MAY 2015

1.00

1.50

2.00

2.50

3.00

3.50

4.00-25

-20

-15

-10

-5

0

5

10


Economic Sentiment Versus Gas Price Changes

Positive Minus Negative Sentiment (%, Left Axis)

Change In Gas Price Tracker (Right Axis, Inverted Scale)

Return to Dashboard


Key Takeaways: Labor Market

At right we show our summary of the distribution of the labor force. Currently, 67.2% ofrespondents have a job, down from highs of 73.2% in February. The share of thosereporting they work part time has averaged 14% since last July when our survey beganand currently stands at 14.8%, while full time workers have averaged 55% ofrespondents, currently standing lower at 52.4%. That said, both the unemployed whoare not looking for a job and unemployed looking for work currently sit below theiraverages. Overall our data show slow progress at best with regards to unemployment,but progress over the last year.

Looking at expectations, the situation is somewhat less optimistic. At below-right weshow our tracker for US unemployment rate expectations. As shown, the tracker hasdeclined every month since January except April, currently sitting above series lows butstill much lower than recent peaks. While we haven’t seen a dramatic spike inunemployment, this particular indicator shows a much less robust labor market over thepast few months.

Key Takeaways

- Fully employed rate stable but below peak

- Unemployment expectations slip somewhat

MAY 2015

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%


Population & Labor Force

Disabled, not able to work

Not employed, NOT looking for work

Not employed, looking for work

Retired

Employed, working parttime

Employed, working fulltime

2.98 3.03 3.03 3.04 3.14 3.15 3.19 3.13 3.09 3.10 3.08


Expectations For US Unemployment Level One Year From Now (Tracker)

5 - Much Better

4 - Better

3 - Same

2 - Worse

1 - Much Worse

Return to Dashboard


Key Takeaways: Finances

Broad price expectations have been very stable as measured by our survey, but there hasbeen some variation. The bottom and subsequent recovery have closely tracked gasolineprices at the pump. This is positive to a point: higher incomes have come with the higherprices, and the increases indicate that prices are more resilient than they were earlier inthe economic recovery when deflation was a significant possibility.

Looking at one specific component of price increases, renters reported the highestmonthly rent paid in our series history. We would note that like broad price increases,higher rents are not a strictly negative thing. Higher rents incentivize purchases of homesat the expense of renting, thus catalyzing more building activity. While we don’t foreseean explosion in rents, we do think our tracker should continue to trend up over time asvacancy rates are very, very low on a national basis, suggesting there’s pricing poweravailable for landlords.

Key Takeaways

- Inflation expectations have picked up, mostly due to gas price increases

- Rent has jumped from near series lows to new series highs in two months

MAY 2015

8.919.5710.24


Average Expected Price Increased (Tracker)

Next Year

Next Five Years

Next Ten Years

1 - Down 15% or more

2 - Down 10-14%

13 - Up 15% or more

12 - Up 10-14%

11 - Up 6-9%

10 - Up 5%

9 - Up 3-4%

8 - Up 1-2%

7 - Same

6 - Down 1-2%

5 - Down 3-4%

4 - Down 5%

3 - Down 6-9%

2.15 2.19 2.10 2.20 2.11 2.14 2.15 2.20 2.12 2.16 2.24


Monthly Rent (Tracker)

1 - Under $499

7 - $5,000+

4 - $2,000-$2,999

3 - $1,000-$1,999

2 - $500-$999

5 - $3,000-$3,999

6 - $4,000-$4,999

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Key Takeaways: Housing

We continue to be constructive on the housing market based on our data, both from amacroeconomic perspective and with respect to companies operating in the space. Forconsumers, refinancing is a positive for cash flow as current mortgage rates are near theirlows despite a slight increase over the past few months. With large numbers ofconsumers never having refinanced, there’s still some juice for debt service ratios to besqueezed out through refinancing, although we do fully admit there isn’t much left.

In terms of new construction, robust building permit activity is evident relative to a yearago, when permit activity was less than half its current level. More building permitactivity means more building which has knock-on effects throughout the economy giventhe labor and material intensive nature of construction.

Key Takeaways

- Refinancing activity has been picking up

- Building permit applications hit a new series high

MAY 2015

5.8

6.8

5.7

4.2

6.3 6.5

4.2

6.05.3

6.67.5

0

2

4

6

8

10


Refinanced Mortage Within the Past Year (%)

1.4

2.11.9

1.6

3.02.7

1.7

1.3

2.1

3.13.3

0

1

2

3

4


Applied For a Building Permit in the Past Month (%)

Return to Dashboard


Key Takeaways: Activity

While not technically one of our “Activity” indicators, we noticed this month thatsentiment towards the largest non-housing purchase consumers make has made anincredibly steady rise over the past 10 months. As shown at right, intent to purchase avehicle was almost 5% when we started our survey but over the course of the last 10months the series has moved upwards with remarkable consistency. This isn’t just folksmoving off the fence! “Maybe” answers have moved sideways, so we view this answer asa very strong indicator of consumer confidence.

Last month we noticed huge declines in traffic to restaurants, but as shown in the activityindicator at right, there were healthy, broad-based bounces in traffic for most chains. Wewouldn’t view any one name’s traffic as an indicator, but in aggregate the breadth ofgains is a helpful way to think about how much activity is going on.

Key Takeaways

- Expectations for car purchases have nearly doubled versus the start of our survey

- Traffic bounced back for restaurants

MAY 2015

-35% -30% -25% -20% -15% -10% -5% 0% 5% 10% 15% 20% 25% 30% 35%

Dunkin Donuts

Panera

None of the above

Sonic

Denny's

McDonald's

Burger King

Taco Bell

Shake Shack

Wendy's

Pizza Hut

Chipotle

KFC

Starbucks

Popeye's

Month/Month Change in Traffic (%)

Return to Dashboard

15.6

10.6

73.8

70

72

74

76

78

80

0

5

10

15

20


Plans to Purchase/Lease a Vehicle in the Next Six Months (%)

MaybeYesNo (Right Axis)


Key Takeaways: Investors

Once again, we show at right that stock market sentiment amongst investors hit a newseries high in our data. We think that the steady rise is more because of extremely lowstock market volatility rather than excess enthusiasm. Note the crash in sentiment forOctober when stocks fell to within a whisker of a 10% correction and similar reactionsduring a volatile December. Either way though, one thing we are certain of is the factthat elevated sentiment can’t last, whether it be because of a normal correction orbecause of irrational exuberance. For what it’s worth, that exuberance term (borrowedfrom former Fed Chair Alan Greenspan) strikes us as the less likely cause of the steadyrise in sentiment.

One reason we think that is the risk appetite investors are expressing. As shown at right,that currently stands below highs, and on a weighted average investors want to take lessrisk than they did last year.

Key Takeaways

- New high in stock market sentiment

- Risk appetite is elevated but at a less extreme high than sentiment

MAY 2015

3.06 3.12 3.162.98

3.26 3.14 3.19 3.25 3.27 3.27 3.28


Current View of the Stock Market (Tracker)

5 - Very Positive

4 - Positive

3 - Neutral

2 - Negative

1 - Very Negative

Return to Dashboard

2.84 2.93 2.87 2.80 2.86 2.86 2.86 2.92 2.94 2.94 2.93


Risk Currently Willing to Take Compared to One Year Ago (Tracker, %)

5 - Much More

4 - More

3 - Same

2 - Less

1 - Much Less

7.0

29.8

36.6

24.0

2.0 0.7

7.6

26.8

40.6

21.0

2.81.3

8.2

31.0

39.1

18.6

2.1 1.1

0

10

20

30

40

50

Very Negative Negative Neutral Positive Very Positive N/A

Confidence in the Economy (%)

Mar Apr May

12.5

20.6

18.0

25.1

21.5

2.3

0

10

20

30

Strongly Disagree Disagree Neither AgreeNor Disagree

Agree Strongly Agree N/A

"I consider myself living paycheck to paycheck" (%)

44.144.5

43.5

42.0

44.1

43.0

44.7

43.2

45.8

43.3

46.6

40

41

42

43

44

45

46

47

48


Agrees or Strongly Agrees, Tracker

Proprietary Research / bespokeintel.com 11

20.7

39.2

-18.5

-25

-20

-15

-10

-5

0

5

10

0

10

20

30

40

50


Confidence in the Economy (%)

Positive or Very Positive (Left Axis)Negative or Very Negative (Left Axis)Net (Right Axis)


Consumer Confidence MAY 2015

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Proprietary Research / bespokeintel.com 12

59.0

34.3

2.7 1.9 0.3 1.70

10

20

30

40

50

60

70

MuchLower

Lower Same Higher Muchhigher

I don'tknow

January: Noticed Changes in Gas Prices

31.8

39.6

3.9

21.5

0.8 2.4

0

10

20

30

40

50

60

MuchLower


I don'tknow

February: Noticed Changes in Gas Prices

1.661.48

2.18

2.712.92

3.49

0.0

0.5

1.0

1.5

2.0

2.5

3.0

3.5

4.0

4.5

5.0

Dec Jan Feb Mar Apr May

Noticed Changes In Gas Prices: Tracker

6.4

34.7

16.7

36.0

1.94.4

0

10

20

30

40

50

MuchLower


I don'tknow

April: Noticed Changes in Gas Prices

12.7

38.9

11.6

30.3

2.9 3.6

0

10

20

30

40

50

MuchLower


I don'tknow

March: Noticed Changes in Gas Prices


Gas Prices MAY 2015

Return to Dashboard

2.9

19.0

11.9

52.7

9.54.1

0

10

20

30

40

50

60

MuchLower


I don'tknow

May: Noticed Changes in Gas Prices

9.1

21.8

51.8

15.0

2.3

0

10

20

30

40

50

60

Much Less Less Same More Much More

Expected Spending on Discretionary Items, Next Few Months (%)

Proprietary Research / bespokeintel.com

2.77 2.75 2.76 2.87 2.85 2.74 2.71 2.79 2.81 2.79 2.80


Expected Spending on Discretionary Items, Next Few Months (Tracker)

1 - Much Less

2 - Less

3 - Same

4 - More

5 - Much More


Discretionary Spending MAY 2015

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4.8

5.8

4.74.1

5.4

6.7

3.9

6.0

6.9

4.2

5.1

0

2

4

6

8


Filed For Unemployment Assistance in Past Month (%)

52.4

14.8

6.1

0

5

10

15

20

50

52

54

56

58

60


Employment Status Tracker (%)Employed, working full-time (Left Axis)

Employed, working part-time (Right Axis)

Not employed, looking for work (Right Axis)

52.4

14.8

9.1

6.1

12.4

5.2

0 10 20 30 40 50 60

Employed, working fulltime

Employed, working parttime

Retired

Not employed, looking for work

Not employed, NOT looking for work

Disabled, not able to work

Employment Status (%)

3.1

22.8

38.8

30.0

1.9 1.9

0

10

20

30

40

Much worse Worse Same Better Much better N/A

Expectations for US Unemployment Level One Year From Now (%)

2.98 3.03 3.03 3.04 3.14 3.15 3.19 3.13 3.09 3.10 3.08


Expectations For US Unemployment Level One Year From Now (Tracker)

5 - Much Better

4 - Better

3 - Same

2 - Worse

1 - Much Worse

Proprietary Research / bespokeintel.com15



Employment MAY 2015

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3.3

9.7

36.4

43.5

7.1

0

10

20

30

40

50

Much less Less Same More Much more

Current Income vs. One Year Ago (%)

28.6 28.024.9

14.1

3.41.1

0

10

20

30

40

StronglyDisagree

Disagree NeitherAgree NorDisagree

Agree StronglyAgree

N/A

"I am concerned that I will lose my job" (%)

3.30 3.27 3.27 3.28 3.35 3.34 3.37 3.40 3.34 3.39 3.39


Current Income vs. One Year Ago (Average Response)

1 - Much Less

5 - Much More

4 - More

3 - Same

2 - Less

3.56 3.56 3.56 3.64 3.64 3.64 3.64 3.64 3.68 3.64 3.65


"I am concerned that I will lose my job" (Tracker)

5 - Strongly Disagree

4 - Disagree

3 - Neither

2 - Agree

1 - Strongly Agree

37.3

38.8

38.5

39.8

38.7

38.5

38.1

38.3

38.0

38.7 38.5

35.0

36.0

37.0

38.0

39.0

40.0

41.0


Hours Worked Average




Income and Job Security MAY 2015

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4.5

19.7

46.5

24.8

4.5

0

10

20

30

40

50

60

Much worse Worse Same Better Much better

Feelings About Personal Finances vs. One Year Ago (%)

6.7

26.2

34.2

28.5

4.5

0

10

20

30

40

Very Negative Negative Neutral Positive Very Positive

Sentiment Toward Personal Finances (%)

2.96 2.96 2.95 3.04 3.02 2.97 2.97 3.00 3.02 3.02 2.98


Sentiment Toward Personal Finances Tracker

1 - Very Negative

2 - Negative

3 - Neutral

4 - Positive

5 - Very Positive

3.02 2.99 2.96 3.00 3.03 2.97 3.01 3.01 3.07 3.04 3.05


Feelings About Personal Finances vs. One Year Ago (Tracker)

5 - Much Better

4 - Better

3 - Same

2 - Worse

1 - Much Worse

3.3

24.6

37.2

29.1

5.9

0

10

20

30

40

50

Much worse Worse The Same Better Much better

Financial Condition Compared to the Average Person (%)

3.12 3.07 3.13 3.21 3.12 3.10 3.07 3.13 3.12 3.10 3.10


Financial Condition Compared to the Average Person (Tracker)

5 - Much Better

4 - Better

3 - Same

2 - Worse

1 - Much Worse




Personal Finances MAY 2015

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70.2

4.6

1.5

1.5

1.2

2.5

18.4

0 10 20 30 40 50 60 70 80 90 100

Within the past month

1-3 months ago

4-6 months ago

7-9 months ago

10-12 months ago

More than a year ago

I don't have any credit cards

Date of Last Credit Card Payment (%): All Respondents

35.7

26.6

12.2

8.7

7.3

5.8

1.2

1.1

0.6

0.9

0 10 20 30 40 50

$0

$1-$999

$1,000-$2,499

$2,500-$4,999

$5,000-$9,999

$10,000-$19,999

$20,000-$29,999

$30,000-$39,999

$40,000-$49,999

$50,000+

Balance Respondents Keep on Credit Cards After Monthly Payment (%)

5.57

8.2

85.22

80

82

84

86

88

90

92

94

0

2

4

6

8

10


Date of Last Credit Card Payment (Tracker, %)

1-3 months ago (Left Axis)4+ months ago (Left Axis)Within Past Month (Right Axis)

2.64 2.39 2.57 2.54 2.56 2.68 2.66 2.56 2.64 2.54 2.63


Average Balance Respondents Keep on Credit Cards After Monthly Payment10 - $50,000+

9 - $40,000-$49,999

8 - $30,000-$39,999

7 - $20,000-$29,999

6 - $10,000-$19,999

5 - $5,000-$9,999

4 - $2,499-$4,999

3 - $1,000-$2,499

2 - $1-$999

1 - $0

7.2

17.4

46.4

16.0

6.4 6.6

0

10

20

30

40

50

60

Much less Less Same More Much more N/A

Credit Card Debt vs. One Year Ago (%)

3.00 2.95 2.99 2.98 2.96 3.05 3.02 2.98 2.96 2.96 2.97


Credit Card Debt vs. One Year Ago (Tracker)

5 - Much More

4 - More

3 - Same

2 - Less

1 - Much Less




Credit Card Payments MAY 2015

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0.7

4.3

32.8

62.2

0 10 20 30 40 50 60 70

Military / Other

Multi-Family House

Apartment / Condo / Townhouse

Single Family House

Living Situation (%): Type of Residence

May

Apr

Mar

1.1

12.3

37.5

49.0

0 10 20 30 40 50 60

Other (please specify)

Living with parents, children,relatives, etc.

Rent

Own

Living Situation (%): Own vs. Rent

May

Apr

Mar

22.3

46.4

25.2

5.3

0.6

0.0

0.2

0 10 20 30 40 50 60

Under $499

$500-$999

$1,000-$1,999

$2,000-$2,999

$3,000-$3,999

$4,000-$4,999

$5,000+

Monthly Rent (%)

2.15 2.19 2.10 2.20 2.11 2.14 2.15 2.20 2.12 2.16 2.24


Monthly Rent (Tracker)

1 - Under $499

7 - $5,000+

4 - $2,000-$2,999

3 - $1,000-$1,999

2 - $500-$999

5 - $3,000-$3,999

6 - $4,000-$4,999

29.8

7.2

23.2

25.8

7.6

2.4

0.8

0.8

2.3

0 10 20 30 40

I do not have a mortgage

Under $499

$500-$999

$1,000-$1,999

$2,000-$2,999

$3,000-$3,999

$4,000-$4,999

$5,000+

I don't know

Monthly Mortgage Payment (%)

2.69 2.67 2.64 2.69 2.67 2.63 2.62 2.70 2.68 2.75 2.71


Average Monthly Mortgage Payment (Tracker)

1 - Under $499

5 - $3,000-$3,999

4 - $2,000-$2,999

3 - $1,000-$1,999

2 - $500-$999

6 - $4,000-$4,999

7 - $5,000




Renting / Mortgage MAY 2015

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85.7

5.4

1.2

2.3

0.8

0.2

0.4

4.1

0 10 20 30 40 50 60 70 80 90 100


1 month ago

2 months ago

3 months ago

4 months ago

5 months ago

6 months ago

More than 6 months ago

When Was the Last Time You Made a Mortgage Payment? (%)

7.8

5.4

0

2

4

6

8

10


Last Mortgage Payment Tracker (%)

2+ Months ago 1 Month Ago

20

38.1

7.5

4.3

9.9

10.4

5.0

5.4

8.9

2.5

7.9

0 10 20 30 40 50

I have never refinanced my mortgage

Within the past year

1 year ago

2 years ago

3 years ago

4 years ago

5 years ago

6 – 12 years ago

12 or more years ago

Not Applicable

Last Time Refinanced Mortgage (%)

5.8

6.8

5.7

4.2

6.3 6.5

4.2

6.05.3

6.67.5

0

2

4

6

8

10


Refinanced Mortage Within the Past Year (%)

Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com


Mortgage Delinquencies MAY 2015

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2.6

2.7

5.8

21.2

21.9

17.4

28.4

0 5 10 15 20 25 30 35

NA

Within the past three months


1-5 years ago

6-10 years ago

11-15 years ago

16+ years ago

Date of Home Purchase (%)

2.7

5.8

0

2

4

6

8


Date of Home Purchase (Tracker, %)

Within the past three months Within the past year

21

25.6

26.9

29.9

25.0

28.4 28.028.9

23.0

27.526.7

27.9

20

22

24

26

28

30


Home Was a New Construction When Purchased (%)

2.32.6

1.8

2.52.2

2.8

2.3

1.91.5

3.33.1

0

1

2

3

4


Home Owners: Home Currently Listed For Sale (%)

1.4

2.11.9

1.6

3.02.7

1.7

1.3

2.1

3.13.3

0

1

2

3

4


Applied For a Building Permit in the Past Month (%)



Recent Home Purchases MAY 2015

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53.3

24.6

14.0

4.4 3.7

0

10

20

30

40

50

60

70

Very Unlikely Unlikely SomewhatLikely

Likely Very Likely

Likelihood of Purchasing a House in the Next Year (%)

22

5.9 5.7

5.0

6.4

7.3

5.8 5.86.4

7.97.6

8.1

4

6

8

10


Likely or Very Likely to Purchase House in the Next Year (%)



Future Home Purchases MAY 2015

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40.0

29.6

15.3

8.0

4.92.3

0

10

20

30

40

50


Favorite Website/App for Searching for Real Estate (%)

Not Applicable

Zillow

Realtor.com

Trulia

Other

Redfin

23Proprietary Research / bespokeintel.com

36.8

25.2

8.0

10.4

16.0

3.7

0

10

20

30

40

50

Sept Oct Nov Dec Jan Feb Mar Apr May

Likely or Very Likely to Purchase Home in the Next Year: Favorite Website/App for Real Estate Search (Rolling Three

Month Percentages)

Zillow

Realtor.com

Other

Trulia

N/A

Redfin



Real Estate Sites / Apps MAY 2015

Return to Dashboard

18.0

10.2

8.9

9.0

22.8

31.1

0 10 20 30 40

In the past month

In the past three months

In the past six months

In the past year


Never started a home improvement project

Last Time Starting a Home Improvement Project (%)

0

10

20


Last Time Starting a Home Improvement Project (Tracker, %)

In the past month In the past three months

24

71.9

28.1

0

10

20

30

40

50

60

70

80


Do-it-Yourself vs. Hiring Someone (%)

Do-it-yourself Hired someone

37.7

51.2

25

30

35

40

45

50

55


Plans to Start a Home Improvement Project in the Next Six Months (%)

All Respondents Home Owners



Home Improvement MAY 2015

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17.3

15.214.0

10.7

9.99.5

7.8

0

5

10

15

20


Which Manufacturer Did You Purchase or Lease? - Majors (%)

GM (Chevrolet, Buick, Cadillac) Toyota/Lexus Other

Honda Ford/Lincoln Chrysler/Jeep/Dodge

Nissan/Infiniti

25

6.6

4.13.7

2.5

2.11.6

0

2

4

6

8

10


Which Manufacturer Did You Purchase or Lease? - Minors (%)

Hyundai Subaru Mercedes Volkswagen

Volvo Audi BMW Tesla

5.3

10.9

9.7

14.2

12.3

7.1

9.5

16.5

5.3

9.2

0 5 10 15 20 25

Within the past three months


1 year ago

2 years ago

3 years ago

4 years ago

5 years ago

6 - 12 years ago

12+ years ago

I do not own an automobile

When did you purchase or lease your primary automobile? (%)

5.25.6 5.7 5.5 5.6 5.4

4.14.9

5.7 5.75.3

0

2

4

6

8


Purchased or Leased Primary Automobile in Past Three Months (%)



Recent Auto Purchases MAY 2015

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25.2

24.2

17.8

16.8

15.5

14.5

14.2

10.9

9.9

9.2

7.9

7.1

6.1

5.1

5.1

1.5

0 10 20 30 40

Honda

Toyota/Lexus

GM (Chevrolet, Buick, Cadillac)

Ford/Lincoln

Nissan/Infiniti

I don't know

Chrysler/Jeep/Dodge

Hyundai

Other

Subaru

BMW

Volkswagen

Audi

Mercedes

Volvo

Tesla

Which type of automobile would you be most likely to purchase/lease in next six months?

May

Dec

Nov

26

51.4

46.9

40

45

50

55

60


Purchased Car During Past Three Months: Used vs. New (%)

Used New

15.6

10.6

73.8

70

72

74

76

78

80

0

5

10

15

20


Plans to Purchase/Lease a Vehicle in the Next Six Months (%)

MaybeYesNo (Right Axis)

46.6

37.4

16.0

0

10

20

30

40

50


Plans/Lease to Purchase Vehicle in Next Six Months: Used vs. New (%)

Used New I don't know



Expected Auto Purchases MAY 2015

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2.76.5

43.6

33.6

7.4 6.2

0

10

20

30

40

50

MuchLower

Lower Same Higher MuchHigher

NA

Overall Healthcare Costs vs. Past Year (%)

1.96.5

53.2

23.9

5.39.2

0

10

20

30

40

50

60

MuchLower


NA

Copay vs. Past Year (%)

2.05.2

53.5

21.4

6.911.0

0

10

20

30

40

50

60

MuchLower


NA

Deductible vs. Past Year (%)

2.45.6

43.7

32.5

6.88.9

0

10

20

30

40

50

MuchLower


NA

Premium vs. Past Year (%)

3.39

3.273.29

3.15

3.30

3.45

3.60


Healthcare Costs vs. Past Year (Tracker)

Overall Copay Deductible Premium

5 - Much Higher4 - Higher3 - Same2 - Lower1 - Much Lower

27

87.6

89.089.5

88.1

87.0

85.9

88.8

90.9

88.487.8

88.5

84

85

86

87

88

89

90

91

92

93

94


Do you have health insurance?

3.0

4.5

9.510.2

16.6

56.1

50

52

54

56

58

60

62

64

66

68

0

5

10

15

20


Type of Health Insurance

None of the above OtherMedicaid Self-Purchased / ExchangeMedicare Employer Provided (Right Axis)



Health Insurance Costs MAY 2015

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8.8

10.3

11.0

4.5

6.0

48.9

10.6

0 10 20 30 40 50 60


1-3 months ago

4-6 months ago

7-9 months ago

10-12 months ago


I have never visited a hospital

Last Hospital Visit (%)

8.8

10.3

4

6

8

10

12


Last Hospital Visit (Tracker, %)

Within the past month 1- 3 months ago

28

22.1

25.6

14.9

6.9

7.1

18.8

4.7

0 10 20 30


1-3 months ago

4-6 months ago

7-9 months ago

10-12 months ago


Not Applicable

Last Doctor's Visit (%)

22.1

25.6

20

22

24

26


Last Doctor's Visit (Tracker, %)

Within the past month 1-3 months ago



Healthcare Utilization MAY 2015

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22.1

26.2 26.124.4

26.624.7 25.0

27.2

0

5

10

15

20

25

30

Oct Nov Dec Jan Feb Mar Apr May

Dental Visits (%)

0.6

1.41.1 1.1 0.9

1.2 1.11.4

3.9 3.9 3.8 3.63.1 3.3

4.4

3.5

0.5 0.3 0.2 0.30.6 0.6

0.20.7

0

1

2

3

4

5

6


Elective Procedures (%)

Cosmetic or Plastic Surgery Orthopedic Visit or Survery Lasik Surgery

73.068.2 68.9 70.6 68.7 70.2 69.3 67.2

0

10

20

30

40

50

60

70

80


None of the above (%)



Healthcare Procedures MAY 2015

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36.9

25.3

21.2

15.1

14.511.8

11.6

0

10

20

30

40


Brand Purchased in Past Month - Majors (%)

Apple

Samsung

Other

Amazon

Sony

LG

Microsoft

30

6.9

6.14.9

4.7

3.9

2.7

0

2

4

6

8

10


Brand Purchased in Past Month - Minors (%)

Google

Nintendo

HTC

Panasonic

Nokia

Blackberry

13.4

12.1

7.26.96.2

5.14.7

3.1

0

3

6

9

12

15


Consumer Electronics: Purchased During the Past Month (%)

None of the above

Smartphone

Headphones

Laptop Computer

Tablet

TV

Gaming Console

Printer

Desktop Computer

9.9

7.2

5.8

7.1

2.93.74.7

2.0

0

3

6

9

12


Consumer Electronics: Plans to Purchase Next Month (%)

Smartphone

Laptop

TV

Headphones

Tablet

Printer

Desktop Computer

Gaming Console

Stereo System



Consumer Electronics MAY 2015

Return to Dashboard


5.9 6.9

12.1 12.414.5 12.9 15.3

20.2

14.7 15.2

25.2 26.7

31.6 31.934.4

39.7

0

10

20

30

40


Has Purchased or Ordered iPhone 6 or 6 Plus

All Consumers Existing iPhone Owners

78.7 75.2 76.571.7

79.171.9 72.1 71.3

21.324.8 23.5 28.3

20.928.1 27.9 28.7

0102030405060708090

100


Owns iPhone 6 or 6 Plus: Which Model?

iPhone 6 iPhone 6 Plus

17.2

10.213.0

10.9 10.2 9.8

15.518.4

27.3

18.6 19.816.8

18.416.3

25.8 25.8

0

10

20

30

Sept Oct Nov Dec Jan Feb Apr May

Made Effort to Learn About Apple Watch

All Consumers Existing iPhone Owners

3.4

0.0

0.5

1.0

1.5

2.0

2.5

3.0

3.5

4.0

All

iPhone Owners: Has Purchased / Ordered An Apple Watch

4.1

2.8

0.0

1.0

2.0

3.0

4.0

5.0

Male Female


6.5

4.4

2.0 1.8 1.6

0.0

1.0

2.0

3.0

4.0

5.0

6.0

7.0

18 to 24 25 to 34 35 to 44 45 to 54 54 to 64


2.9

3.84.1

2.3

0.0

1.0

2.0

3.0

4.0

5.0

$0 - $49,999 $50,000 -$99,999

$100,000 -$199,999

$200,000 +




New Apple Products MAY 2015

Return to Dashboard

32

75.3 74.9

77.679.4

82.3

80.2 80.181.8 81.2

83.184.8

70

80

90


Owns a Smartphone (%)

53.6

24.4

20

30

40

50

60


Smartphone Ownership: Brand - Majors (%)

Apple

Samsung

7.77.5

3.3

1.61.3

0.20.3

0

2

4

6

8

10

12


Smartphone Ownership: Brand - Minors (%)

Other

LG

HTC

Nokia

Blackberry

Microsoft

Amazon


39.3

50.657.9

63.8

0

10

20

30

40

50

60

70

80

90

100

< $50,000 $50,000-$99,999 $100,000-$199,999 $200,000+

Apple iPhone Ownership Income Breakdown (Rolling 3 Month Percentages)


43.241.2 41.5 41.0

43.645.6

43.3

40.441.5

50.8

48.246.0

47.0

50.3

53.9

50.649.3

50.6

30

40

50

60


Apple iPhone Ownership Gender Breakdown (Rolling Three Month Percentages)

Male Female

48.2 50.245.8

41.2

47.843.7

0

10

20

30

40

50

60

18-24 25-34 35-44 45-54 55-65 65-74

Apple iPhone Ownership Age Breakdown (Rolling Three Month Percentages)


7.0

11.6

13.2

22.4

8.2

26.8

10.8

0 5 10 15 20 25 30

iPhone 4 or Earlier

iPhone 4S

iPhone 5

iPhone 5S

iPhone 5C

iPhone 6

iPhone 6 Plus

Current iPhone Owners: What Model Do You Currently Own?

May



Smartphone Ownership MAY 2015

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2.0

3.7

4.8

6.6

8.8

9.7

24.2

39.5

0 10 20 30 40

Nokia

Blackberry

HTC

Other

Regular Cell Phone

LG

Samsung

Apple

Which smartphone brand did you own last before your current smartphone? (%)

May

Mar

Feb

53.9

90.7

40

50

60

70

80

90

100


Real Retention Rates: Apple vs. Samsung (%)

Samsung Apple

1.3

2.3

5.8

7.4

8.0

10.3

10.9

53.4

0 10 20 30 40 50 60

Blackberry

Nokia

HTC

Other

Regular Cell Phone

LG

Apple

Samsung

Current Samsung Owners: What did they own last (%)

May

Apr

Mar

33

2.9

5.5

5.7

29.1

53.5

0 10 20 30 40 50 60

HTC

Other (please specify)

LG

Samsung

Apple

Smartphone Owners: Which brand will you purchase next? (%)

May Apr Mar

0.7

0.7

0.9

4.1

92.2

0 10 20 30 40 50 60 70 80 90 100

Blackberry

HTC

Other

Samsung

Apple

Apple iPhone Owners: Plans to Purchase Next (%)

May Apr Mar

1.6

1.9

2.3

7.7

85.2

0 10 20 30 40 50 60 70 80 90

HTC

LG

Other

Apple

Samsung

Samsung Smartphone Owners: Plans to Purchase Next (%)

May Apr Mar


The chart below shows the percentage of Apple owners who owned Apple previously and the percentage of Samsung owners who owned Samsung previously.

2.2

2.3

3.8

4.8

8.5

9.5

66.8

0 10 20 30 40 50 60 70

HTC

Other

Blackberry

LG

Regular Cell Phone

Samsung

Apple

Current iPhone Owners: What did they own last? (%)

May

Apr

Mar



Smartphone Retention Rates MAY 2015

Return to Dashboard

34

45.8

32.629.8

21.4

14.612.6

4.10

10

20

30

40

50


Do you currently have an account with any of the following streaming services? (%)

Netflix

None of the above

Pandora

Amazon Prime

Hulu

Spotify

iRadio

70.6

45.2

28.2

18.6

16.2

0

10

20

30

40

50

60

70

80


Which two services do you use most often? (%)

Netflix

Pandora

Amazon Prime

Hulu

Spotify


57.6 56.7

44.3

37.2

26.5

18.5

11.1

0

10

20

30

40

50

60

18-24 25-34 35-44 45-54 55-64 65-74 75+

Netflix Subscribers Age Breakdown (Rolling 3 Month Percentages)


45.841.6

29.2

22.0

15.711.6

5.3

0

10

20

30

40

50

60

18-24 25-34 35-44 45-54 55-64 65-74 75+

Pandora Subscribers Age Breakdown (Rolling 3 Month Percentages)




Streaming Services MAY 2015

Return to Dashboard

0.4

2.1

2.9

3.6

6.6

8.5

12.9

17.3

19.2

19.8

25.3

78.5

0 10 20 30 40 50 60 70 80 90

Slingshot

Vine

Not Applicable

Kik

WhatsApp

Snapchat

Other

Twitter

Pinterest

LinkedIn

Instagram

Facebook

Social Media Websites: Which two do you use most often? (%)

May

Apr

Mar


72.5

34.032.8

32.530.8

20

30

40

50

60

70

80


Social Media Sites: Has Account (Majors)

Facebook

Twitter

Instagram

LinkedIn

Pinterest

16.9

16.2

9.3

7.9

0

5

10

15

20


Social Media Sites: Has Account (Others)

Snapchat

None

WhatsApp

Kik

Vine

Slingshot

18.8

36.331.2

37.232.9

29.2

17.3

0

10

20

30

40

50

18-24 25-34 35-44 45-54 55-64 65-74 75+

LinkedIn Accounts Age Breakdown (Rolling 3 Month Percentages)


49.5

39.1

34.3

25.9

18.6

10.37.6

0

10

20

30

40

50

18-24 25-34 35-44 45-54 55-64 65-74 75+

Twitter Accounts Age Breakdown (Rolling 3 Month Percentages)


79.082.6

74.770.2

65.559.7

47.6

0

10

20

30

40

50

60

70

80

90

100

18-24 25-34 35-44 45-54 55-64 65-74 75+

Facebook Accounts Age Breakdown (Rolling 3 Month Percentages)




Social Media Accounts MAY 2015

Return to DashboardNext: Engagement


4.51

3.91

4.51

3.42 3.38 3.38

3.16 3.17

3.38

Facebook Pinterest Instagram Snapchat Twitter WhatsApp Kik LinkedIn Vine

Social Media Visit Frequency (Weighted Average)

Apr

May

Within the past month (3)

More than a year ago (1)

Within the past year (2)

Within the past week (4)

Today (5)

15.2

6.6

4.0

4.0

2.5

67.6

37.7

16.2

6.1

7.7

2.8

29.6

0 10 20 30 40 50 60 70 80 90 100

Today

Within the past week




Never

Snapchat Visits (%)

18-24 Years Old

All Respondents

8.7

3.7

3.6

2.6

2.6

78.8

9.3

4.5

2.8

6.5

4.5

72.5

0 10 20 30 40 50 60 70 80 90 100

Today





Never

WhatsApp Visits (%)

18-24 Years Old

All Respondents

6.2

3.1

2.8

3.2

4.6

80.1

15.0

4.5

6.9

7.3

9.3

57.1

0 10 20 30 40 50 60 70 80 90 100

Today





Never

Kik Visits (%)

18-24 Years Old

All Respondents

2.9

2.2

1.2

0.9

1.1

91.7

6.5

4.0

1.2

1.2

1.6

85.4

0 10 20 30 40 50 60 70 80 90 100

Today





Never

Slingshot Visits (%)

18-24 Years Old

All Respondents

9.2

17.1

14.0

10.0

7.8

41.9

8.9

11.7

9.7

7.7

5.7

56.3

0 10 20 30 40 50 60 70 80 90 100

Today





Never

LinkedIn Visits (%)

18-24 Years Old

All Respondents

14.8

17.1

11.2

10.1

5.8

40.9

20.6

16.6

10.5

8.9

9.7

33.6

0 10 20 30 40 50 60 70 80 90 100

Today





Never

Pinterest Visits (%)

18-24 Years Old

All Respondents

16.8

14.1

10.7

10.0

7.7

40.8

31.6

18.2

10.9

12.1

8.5

18.6

0 10 20 30 40 50 60 70 80 90 100

Today





Never

Twitter Visits (%)

18-24 Years Old

All Respondents

5.3

5.0

5.1

8.5

4.7

71.5

13.0

9.3

10.1

19.4

7.3

40.9

0 10 20 30 40 50 60 70 80 90 100

Today





Never

Vine Visits (%)

18-24 Years Old

All Respondents

68.2

14.8

5.4

2.8

3.1

5.8

68.8

13.0

6.5

3.6

3.2

4.9

0 10 20 30 40 50 60 70 80 90 100

Today





Never

Facebook Visits (%)

18-24 Years Old

All Respondents

27.3

9.5

5.9

5.3

5.2

46.8

49.0

12.6

6.5

5.7

4.9

21.5

0 10 20 30 40 50 60 70 80 90 100

Today





Never

Instagram Visits (%)

18-24 Years Old

All Respondents



Social Media Engagement MAY 2015

Return to DashboardPrevious Page

0.7

1.9

2.2

3.7

4.5

4.7

5.7

15.5

21.9

30.8

52.9

0 10 20 30 40 50 60

Liquidity Services

Wayfair

Zulily

Overstock

Not Applicable

Living Social

Etsy

Groupon

eBay

None of the above

Amazon

Have Purchased Items During Past Month (%)

May

Apr

Mar


11.2

19.120.5 20.2

0

10

20

30

< $50,000 $50,000-$99,999 $100,000-$199,999 $200,000+

Purchased on Groupon in Past Month Income Breakdown (Rolling Three Month Percentages)


21.7 22.320.5

14.9

0

10

20

30

< $50,000 $50,000-$99,999 $100,000-$199,999 $200,000+

Purchased on eBay in Past Month Income Breakdown (Rolling Three Month Percentages)


48.0

55.559.7

67.6

0

10

20

30

40

50

60

70

80

< $50,000 $50,000-$99,999 $100,000-$199,999 $200,000+

Purchased on Amazon in Past Month Income Breakdown (Rolling Three Month Percentages)




E-Commerce MAY 2015

Return to DashboardNext: ASPs


We asked respondents if they purchased an item at each retailer during the past month and then asked them to enter in the amount they spent.

Please note that for retailers with less than ~30 visits, median spending results may not be statistically significant.

27.00

30.00

35.00

38.00

42.50

45.00

50.00

98.00

110.00

30.00

25.00

30.00

30.00

50.00

40.00

12.00

52.50

100.00

0 20 40 60 80 100 120

Groupon

Living Social

Etsy

Ebay

Zulily

Amazon

Liquidity Services

Overstock

Wayfair

Online Retailers: Median Spend Per Visit

May

Apr

210

66

79

285

26

699

9

49

25

181

42

59

261

31

656

3

32

27

0 200 400 600 800

Groupon

Living Social

Etsy

Ebay

Zulily

Amazon

Liquidity Services

Overstock

Wayfair

Online Retailers: Visits

May

Apr



E-Commerce ASPs MAY 2015


40.339.3

32.8

13.2

1.60

10

20

30

40

50

July Aug Sept Oct Nov Dec Jan Mar Apr Apr May

Have Visited in the Past Month (%)

Walgreens

CVS

None of theaboveRite Aid

DuaneReade


38.0

1.6

11.2

34.0

35.2

0 10 20 30 40 50

None of the above

Duane Reade

Rite Aid

CVS

Walgreens

Have Purchased from Store in the Past Month (%)



Drug Stores MAY 2015





20.00

20.00

20.00

31.00

20.00

20.00

20.00

25.00

0 5 10 15 20 25 30 35

CVS

Walgreens

Rite Aid

Duane Reade

Drug Stores: Median Spend Per Visit

May

Apr

414

425

144

18

343

417

139

16

0 100 200 300 400 500

CVS

Walgreens

Rite Aid

Duane Reade

Drug Stores: Visits

May

Apr



Drug Stores ASPs MAY 2015


44.2

39.536.6

28.025.2

11.1

0

10

20

30

40

50


Shopped at Retailers For Home Improvement Items in Past Month (%)

Home Depot

Lowe's

Walmart

None of the above

Target

Sears


26.5

28.8

14.6 16.116.4

0

10

20

30

Home Depot Lowe's Walmart Target Sears

Has Done a Home Improvement Project During Past Month -Visited Retailer During Past Month (3 Month Rolling Percentages)




Home Improvement Retailers MAY 2015


470

392

649

471

110

0 100 200 300 400 500 600 700

Home Depot

Lowe's

Walmart

Target

Sears

Home Improvement Retailers: Visits

May




75.00

67.50

60.00

50.00

52.50

0 20 40 60 80

Home Depot

Lowe's

Walmart

Target

Sears

Home Improvement Retailers: Median Spend Per Visit

May



Home Improvement ASPs MAY 2015


39

24.823.8

21.0

7.27.1

2.52.2

0

10

20

30

40


Have Visited in the Past Month (%)

Kohl's Macy'sJC Penney NordstromDillards' Bloomingdale'sSak's Fifth Avenue


5.5

19.0

1.6

20.5 19.6

1.3

5.0

57.9

7.8

28.6

3.4

25.5

32.1

2.7

8.4

42.6

6.0

33.6

3.3

17.9

30.9

2.4

10.9

41.6

7.4

36.2

6.4

17.6

26.1

4.3

16.0

40.4

0

10

20

30

40

50

60

Dillard's Macy's Bloomingdales JC Penney Kohl's Sak's FifthAvenue

Nordstrom None of theAbove

Have Visited in the Past Month (Three Month Rolling Percentages): Income Breakdown

< $50,000 $50,000-$99,999 $100,000-$199,999 $200,000+

2.6 2.1

28.6

7.9

22.9

9.2

28.5

2.9 2.4

29.2

8.7

24.1

10.5

30.2

0.0

0.2

0.4

0.6

0.8

1.0

1.2

1.4

1.6

1.8

2.0

0

10

20

30

40

Bloomingdales Sak's Fifth Ave Kohl's Dillard's JC Penney Nordstrom Macy's

Spre

ad

Ro

llin

g P

erc

en

tage

-P

ast

Thre

e M

on

ths

"Wealth Effect" (%) - All Respondents vs. Respondents Who Report Higher Incomes

All RespondentsFiltered - Consumers That Have Reported Higher or Much Higher Income Than One Year AgoSpread

63.2

2.1

2.3

3.4

6.7

14.3

15.4

18.3

0 20 40 60 80

None of the above

Sak's Fifth Avenue

Bloomingdales

Dillard's

Nordstrom

JC Penney

Kohl's

Macy's

Have Visited Website in the Past Month (%)

61.8

1.3

1.3

2.8

4.5

13.4

15.2

17.2

0 20 40 60 80

None of the above

Bloomingdales

Sak's Fifth Avenue

Dillard's

Nordstrom

JC Penney

Macy's

Kohl's

Have Purchased from Store or Website in the Past Month (%)



Department Stores MAY 2015





50.00

50.00

53.00

70.00

85.00

100.00

200.00

45.00

70.00

50.00

75.00

59.00

100.00

110.00

0 50 100 150 200 250

JC Penney

Dillard's

Kohl's

Macy's

Sak's Fifth Avenue

Nordstrom

Bloomingdales

Department Stores: Median Spend Per Visit

May

Apr

168

37

219

193

19

56

17

175

27

216

192

17

52

17

0 50 100 150 200 250

JC Penney

Dillard's

Kohl's

Macy's

Sak's Fifth Avenue

Nordstrom

Bloomingdales

Department Stores: Visits

May

Apr



Department Stores ASPs MAY 2015


40

1.2

7.0

7.6

7.6

8.610.2

11.3

12.0

12.6

13.4

19.8

21.8

22.9

23.726.3

46.7

2.4

7.9

7.2

8.416.7

14.3

16.810.7

12.3

13.2

14.6

29.9

23.8

21.8

24.3

47.6

0 10 20 30 40 50

Shake Shack

Denny's

Jack in the Box

Popeye's

Panera

Chipotle

Dunkin' Donuts

Sonic

KFC

Pizza Hut

None of the Above

Starbucks

Wendy's

Burger King

Taco Bell

McDonald's

Visits During Past Month (Three Month Rolling Percentages): Lower Income

$50,000-$99,999

< $50,000

2.3

5.6

6.3

6.5

7.6

9.5

11.2

14.1

15.9

16.9

17.2

18.6

21.4

22.035.7

2.1

5.2

3.1

4.2

6.3

10.4

9.4

10.9

22.9

21.9

20.8

19.3

15.6

23.4

40.1

0 10 20 30 40 50

Shake Shack

Jack in the Box

Denny's

Popeye's

Sonic

KFC

Pizza Hut

Burger King

Chipotle

Dunkin' Donuts

None of the Above

Taco Bell

Wendy's

Panera

Starbucks

Visits During Past Month (Three Month Rolling Percentages): Higher Income

$200,000+

$100,000-$199,999

43.1

28.4

23.522.020.2

19.8

10

20

30

40

50

60


Have Visited During the Past Month (%) - Top Restaurants

McDonald's

Starbucks

Taco Bell

Wendy's

None of the above

Burger King

12.812.7

12.211.710.1

8.37.97.1

1.7

0

10

20


Have Visited During the Past Month (%) - Others

Chipotle

Pizza Hut

Panera

Dunkin Donuts

KFC

Sonic

Jack in the Box

Popeye's

Denny's

Shake Shack

0.9

2.3

4.0

4.8

6.7

10.0

10.1

13.2

14.9

17.3

17.3

21.3

22.0

25.9

37.1

41.4

0 10 20 30 40 50 60

Jack in the Box

Sonic

Shake Shack

Denny's

Popeye's

KFC

Pizza Hut

Chipotle

Taco Bell

Panera

None of the Above

Burger King

Wendy's

Starbucks

Dunkin' Donuts

McDonald's

Visits During Past Month (Three Month Rolling Percentages): Northeast

1.3

6.0

6.4

10.2

10.4

12.4

12.4

13.1

14.9

17.6

18.1

22.7

23.3

25.2

26.2

46.7

0 10 20 30 40 50 60

Shake Shack

Jack in the Box

Denny's

Popeye's

Chipotle

Dunkin' Donuts

KFC

Panera

Pizza Hut

None of the Above

Sonic

Burger King

Starbucks

Taco Bell

Wendy's

McDonald's

Visits During Past Month (Three Month Rolling Percentages): South

1.6

2.3

4.9

5.5

6.9

10.9

13.0

13.7

15.5

17.5

17.6

22.5

22.9

25.4

27.6

51.4

0 10 20 30 40 50 60

Shake Shack

Jack in the Box

Denny's

Popeye's

Sonic

Dunkin' Donuts

KFC

Pizza Hut

Chipotle

None of the Above

Panera

Burger King

Starbucks

Wendy's

Taco Bell

McDonald's

Visits During Past Month (Three Month Rolling Percentages): Midwest

1

3.5

5.4

7.7

7.8

10.7

11.7

11.8

13.8

14.7

17.5

17.8

19.4

26.6

37.6

39.4

0 10 20 30 40 50 60

Shake Shack

Dunkin' Donuts

Popeye's

Panera

Sonic

Pizza Hut

Denny's

KFC

Chipotle

Wendy's

Burger King

Jack in the Box

None of the Above

Taco Bell

Starbucks

McDonald's

Visits During Past Month (Three Month Rolling Percentages): West

-35% -30% -25% -20% -15% -10% -5% 0% 5% 10% 15% 20% 25% 30% 35%

Dunkin Donuts

Panera

None of the above

Sonic

Denny's

McDonald's

Burger King

Taco Bell

Shake Shack

Wendy's

Pizza Hut

Chipotle

KFC

Starbucks

Popeye's

Month/Month Change in Traffic (%)


Restaurants MAY 2015

Return to Dashboard

60.1

39.9

26.3

19.017.414.1

3.60

10

20

30

40

50

60

70

July Aug Sept Oct Nov Dec Mar Mar Apr Apr May

Have Visited in the past Month (%)Walmart

Target

DollarTreeNone ofthe aboveDollarGeneralFamilyDollarFiveBelow


36.5

23.1

66.2

17.9

31.7

4.0

15.7

0

10

20

30

40

50

60

70

Target DollarGeneral

Walmart FamilyDollar

Dollar Tree Five Below None of theAbove

Visits During the Past Month (Rolling Three Month Percentages): HHI < $50,000

Sept

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

47.5

16.8

62.3

12.3

28.7

5.2

14.7

0

10

20

30

40

50

60

70




Visits During the Past Month (Rolling Three Month Percentages): HHI $50,000-$99,999

Sept

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

52.9

7.0

52.0

6.9

16.6

3.2

17.3

0

10

20

30

40

50

60

70




Visits During the Past Month (Rolling Three Month Percentages): HHI $100,000-$199,999

Sept

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May

52.6

4.2

32.3

5.7

11.5

2.6

31.3

0

10

20

30

40

50

60

70




Visits During the Past Month (Rolling Three Month Percentages): HHI $200,000+

Sept

Oct

Nov

Dec

Jan

Feb

Mar

Apr

May



Dollar Stores / Big Box MAY 2015


11.00

12.00

17.00

20.00

50.00

50.00

10.00

15.00

12.00

19.00

45.00

50.00

0 10 20 30 40 50 60

Dollar Tree

Five Below

Dollar General

Family Dollar

Target

Walmart

Dollar Stores / Big Box: Median Spend Per Visit

May

Apr




245

27

147

109

390

632

256

41

151

105

411

636

0 100 200 300 400 500 600 700

Dollar Tree

Five Below

Dollar General

Family Dollar

Target

Walmart

Dollar Stores / Big Box: Visits

May

Apr



Dollar Stores / Big Box ASPs MAY 2015


42

5.14.7

5.35.7

3.0

1.82.1

0

2

4

6

8

10


Have you taken a flight in the past month? (%)

American

United

Delta

Southwest

Jetblue

Spirit

Other



Airlines MAY 2015

Return to Dashboard


53.1

4.3

6.3

9.6

8.9

17.8

0 10 20 30 40 50 60

Other / NA

Trivago

Orbitz

Kayak

Priceline

Expedia

If Booking a Trip Today, Which Website Would You Go to First? (%)

May

Apr

Mar

80.6

1.6

4.6

4.9

5.0

8.8

0 10 20 30 40 50 60 70 80 90 100

Other / NA

Trivago

Kayak

Priceline

Orbitz

Expedia

Booked a Flight in Past Three Months (%)

May

Mar

Feb

81.0

2.5

2.9

4.5

5.6

8.4

0 10 20 30 40 50 60 70 80 90 100

Other / NA

Trivago

Kayak

Orbitz

Priceline

Expedia

Booked Hotel In Past Three Months (%)

May

Mar

Feb



Online Travel Agencies MAY 2015

Return to Dashboard


71.2

3.0

3.1

3.8

5.0

6.7

10.1

10.9

0 10 20 30 40 50 60 70 80

None

Cedar Point

Busch Gardens

Other

Seaworld

Universal Studios

Six Flags

Disney

Plans to Visit Theme Parks: Next Six Months

May

Mar

Feb



Theme Parks MAY 2015

Return to Dashboard

35.8

42.0

38.6

40.5

37.6

42.0

39.2

39.638.8

40.6

42.0

35

37

39

41

43

45


Follows Stock Market on a Regular Basis (%)

1.6

11.2

46.3

33.0

4.4 3.6

0

10

20

30

40

50

VeryNegative

Negative Neutral Positive VeryPositive

N/A

Current View of Stock Market (%)

45

3.06 3.12 3.162.98

3.26 3.14 3.19 3.25 3.27 3.27 3.28


Current View of the Stock Market (Tracker)

5 - Very Positive

4 - Positive

3 - Neutral

2 - Negative

1 - Very Negative

37.8

54.7

7.5

0

10

20

30

40

50

60

70

July Aug Sept Oct Nov Dec Mar Apr May

Fear That There Will be a Stock Market Crash in the Next Year (%)

Not at all concernedSomewhat concernedVery concerned

7.1

11.2 10.7

9.0 8.7

11.19.8

7.7

9.811.1

12.7

0

3

6

9

12

15


Do You Currently Have Any Investments in Gold? (%)


46.1 46.2

50.851.9

48.5 49.0

45.5

47.6

45.2

43.3

41.5

40

45

50

55


Invests in Stocks, Bonds, Commodities, Real Estate, or Other Financial Products (%)



Investors Stock Market View MAY 2015

Return to Dashboard

1.15.8

29.6

57.4

3.2 2.9

0

10

20

30

40

50

60

Muchlower


N/A

Expecations for Interest Rates One Year from Now (%)

3.7

16.5

61.4

14.1

1.4 2.9

0

10

20

30

40

50

60

70

Much less Less Same More Much more N/A

Risk Currently Willing to Take Compared to One Year Ago (%)

Interest

46

3.54 3.57 3.58 3.45 3.56 3.50 3.51 3.56 3.61 3.52 3.57


Expectations for Interest Rates One Year from Now

5 - Much Higher

4 - Higher

3 - Same

2 - Lower

1 - Much Lower

2.84 2.93 2.87 2.80 2.86 2.86 2.86 2.92 2.94 2.94 2.93


Risk Currently Willing to Take Compared to One Year Ago (Tracker, %)

5 - Much More

4 - More

3 - Same

2 - Less

1 - Much Less



Investors Interest Rates and Risk MAY 2015

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