More Americans are delinquent on credit card and auto debt

The Daily Shot: 07-Aug-24
The United States
Canada
The United Kingdom
The Eurozone
Japan
Asia-Pacific
China
Emerging Markets
Energy
Equities
Credit
Rates
Global Developments
Food for Thought



 

The United States

1. Let’s begin with some household finance trends.
 
Transitions into credit delinquencies continue to rise for both credit card and auto debt.
 
Source: @TheTerminal, Bloomberg Finance L.P.  
 
Source: @axios   Read full article  
 
The increases have been particularly sharp among younger Americans.
 
Source: @TheTerminal, Bloomberg Finance L.P.  
 
Student debt delinquencies remain low due to government support.
 

 
Here are the student debt delinquency transition percentages by age.
 
Source: Federal Reserve Bank of New York  
 
Mortgage foreclosures remain low.
 
Source: Federal Reserve Bank of New York  
 
Fewer households with weaker credit scores are able to secure mortgage financing.
 
Source: Federal Reserve Bank of New York  
 
Consumers anticipate spending less on discretionary items.
 
Source: The Conference Board  

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2. The trade deficit eased in June as exports rose.
 

 
The US non-petroleum trade deficit is $100 billion.
 

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3. Government spending is down on a year-over-year basis.
 
Source: BofA Global Research  
 
4. According to BofA, the yield curve signals an increased likelihood of a hard landing.
 
Source: BofA Global Research  
 
Currently, the Atlanta Fed’s GDPNow model estimate for Q3 growth is holding at 2.9% annualized, showing no signs of a hard landing.
 
Source: Federal Reserve Bank of Atlanta  
 
Estimates for consumer spending (PCE goods and services) remain robust.
 
Source: @TheTerminal, Bloomberg Finance L.P.  


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Canada

1. Will the S&P/TSX Composite Index hold the uptrend support?
 
Source: @TheTerminal, Bloomberg Finance L.P.  
 
2. Speculative traders hold extreme bets against the loonie. A crowded trade?
 

 
3. The services PMI remains in contraction territory.
 

 
Service sector hiring stalled in July.
 

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4. The trade balance unexpectedly swung into surplus in June.
 

 
Source: @economics   Read full article  


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The United Kingdom

1. Construction activity accelerated in July, exceeding forecasts.
 

 
2. Here is a look at prison population vs. capacity.
 
Source: The Economist   Read full article  


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The Eurozone

1. Let’s begin with Germany.
 
Industrial production improved in June but remained near post-COVID lows.
 

 
Exports declined for the second month in a row, surprising to the downside.
 

 
The construction sector remains in recession.
 

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2. French stocks hit the lowest level since last November.
 

 
3. Who holds Italian government debt?
 
Source: IMF   Read full article  
 
4. Eurozone retail sales volume declined in June.
 

 
5. Improving sentiment points to a recovery in euro-area business investment after a sharp contraction late last year.
 
Source: ECB  
 
Housing investment remains weak, but there are some signs of stabilization.
 
Source: ECB  

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6. Here is a look at the ECB’s net purchases of government debt by country since July of 2022.
 
Source: @DanielKral1, @OxfordEconomics  


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Japan

1. The BoJ struck a dovish tone amid market volatility.
 
Source: @economics   Read full article  
 
JGB yields and the yen declined.
 

 

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2. Here is a look at the BoJ’s history of interventions in the currency markets.
 
Source: Capital Economics  


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Asia-Pacific

1. Asian stocks’ correlation to the S&P 500 jumped in recent days.
 
h/t @richwesgoodman  
 
2. New Zealand’s unemployment rate continues to climb.
 


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China

1. Retail sales volume is improving, particularly among luxury goods and apparel.
 
Source: China Beige Book  
 
2. China Beige Book’s inflation gauge continues to rise year-over-year. Higher input costs and wage inflation could pressure margins.
 
Source: China Beige Book  
 
3. Fearing US sanctions, Chinese banks are increasingly reluctant to lend to Russian companies, driving up their borrowing costs.
 
Source: @x1skv   Read full article  
 
4. Here is a look at outbound foreign direct investment.
 
Source: The Economist   Read full article  
 
5. Finally, we have trends in venture capital investments in China by investor origin.
 
Source: The Economist   Read full article  


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Emerging Markets

1. Let’s start with some updates on Chile.
 
Manufacturing production hit a multi-year low in June.
 

 
Copper output is back below last year’s levels.
 

 
Retail sales surged in June.
 

 
The overall economic activity improved.
 

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2. Brazil’s exports hit a multi-year high last month.
 

 
3. Mexico’s vehicle exports are down on a year-over-year basis.
 

 
4. Argentina’s vehicle sales climbed above last year’s levels.
 


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Energy

1. Crude oil failed to rebound with stocks despite geopolitical tensions.
 
Source: @TheTerminal, Bloomberg Finance L.P.  
 
2. US gasoline demand remains elevated.
 
Source: Goldman Sachs; @MikeZaccardi  


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Equities

1. Futures are higher this morning, but the rebound has been choppy.
 

 
2. The recent selloff has been sharper than the average.
 
Source: Goldman Sachs; @MikeZaccardi  
 
The S&P 500 had one of its best starts this year and remains above the median trend even after the selloff.
 
Source: Goldman Sachs; @MikeZaccardi  

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3. Small caps and the S&P 500 Equal Weighted Index failed to break out.
 
Source: BCA Research  
 
4. The Russell 3,000 Index (broad US market) appears oversold.
 
Source: Aazan Habib, Paradigm Capital  
 
5. The S&P 500 tends to bottom around the Sahm Rule recession trigger date.
 
Source: Macrobond  
 
6. How frequent are 5%, 10%, 15%, and 20% market pullbacks?
 
Source: BofA Global Research; @MikeZaccardi  
 
7. Hedge funds bought the dip on Monday.
 
Source: @markets   Read full article  
 
8. The S&P 500 futures liquidity has deteriorated.
 
Source: Goldman Sachs; @dailychartbook  
 
9. The average retail portfolio is underwater year-to-date.
 
Source: JP Morgan Research; @WallStJesus  
 
10. Next, we have some updates on the recent spike in volatility.
 
VIX typically spikes around the late stage of the Fed’s hiking cycle …
 
Source: Deutsche Bank Research  
 
… and ahead of elections.
 
Source: Citi Private Bank  
 
Historically, a top-decile VIX reading has led to a near-term bounce in stocks. (2 charts)
 
Source: @Todd_Sohn  
 
Source: @Todd_Sohn  
 
Here is a look at the S&P 500 returns following a 2+ standard deviation VIX spike.
 
Source: Alpine Macro  


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Credit

1. High-yield debt implied volatility has been lagging behind that of the S&P 500.
 

 
2. Here is a look at European leveraged loan and high-yield bond issuance.
 
Source: @TheTerminal, Bloomberg Finance L.P.   Read full article  
 
3. US leveraged loan default rates have been trending lower.
 
Source: Torsten Slok, Apollo  
 
However, the overall Chapter 11 filings have been rising.
 
Source: @markets   Read full article  

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4. Banks are still tightening standards on commercial real estate (CRE) loans, …
 
Source: @TheTerminal, Bloomberg Finance L.P.  
 
… and demand for credit in this sector remains soft.
 
Source: @TheTerminal, Bloomberg Finance L.P.  


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Rates

1. Open interest in 10-year Treasury futures is near record highs.
 
Source: @markets   Read full article  
 
2. The copper-to-gold ratio points to more downside for Treasury yields.
 
Source: @TheTerminal, Bloomberg Finance L.P.  


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Global Developments

1. Here is a look at recent market moves in standard deviations.
 
Source: Goldman Sachs; @MikeZaccardi  
 
2. Carry trades financed with yen loans have grown substantially since the GFC.
 
Source: BIS   Read full article  
 
3. Commodity currencies are holding downtrend resistance vs. USD.
 
Source: BCA Research  


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Food for Thought

1. Solar share of global electricity generation:
 
Source: Ember   Read full article  
 
2. Global smartphone market share of top five manufacturers:
 
Source: Counterpoint Research   Read full article  
 
3. Impact of spreadsheet software on job trends in accounting and analysis:
 
Source: @WSJ   Read full article  
 
4. Percentage of US workers earning less than $17 per hour by state:
 
Source: @axios   Read full article  
 
5. Sectors with the highest and lowest share of job postings advertising benefits:
 
Source: Indeed Hiring Lab  
 
6. Teen births and female dropout rates in the US:
 
Source: Merrill Lynch  
 
7. States with the highest average lottery spending per person:
 
Source: Lottery Geeks  
 

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