- Consumer confidence declined 2 points to 44.9% in September, a new low for the year due to stock market volatility. While slightly above the 13-month low, sentiment remains below the 13-month average. - Despite declining confidence, practicality in purchases also decreased for the second straight month in September. Focus on necessities also declined from August and was down 10% from September 2014. - Preliminary holiday spending plans show those planning to spend more on gifts remained flat year-over-year, while fewer plan to spend less, suggesting total gift spending may be around $600 billion.

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September 2015
Consumer Snapshot

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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

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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%

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sentiment
Source: Prosper Insights & Analytics
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%

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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
Source: Prosper Insights & Analytics
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

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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
Source: Prosper Insights & Analytics
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%

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holiday preview
Source: Prosper Insights & Analytics
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.

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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

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