- Consumer sentiment continues to improve from July's 13-month low, with 46.1% of consumers feeling confident or very confident in the U.S. economy in September. This is above the 13-month average of 44.8%. - Sentiment is up 1 point from September 2015 and nearly 5 points higher than pre-recession levels in September 2007. - Headed into the holiday season, preliminary holiday spending plans show those planning to spend "more" on gifts increased over 1 point from last year, while those planning to spend "less" remained relatively unchanged.

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September 2016
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 2016
holiday preview

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sentiment
consumer sentiment
sentiment continues to improve from July’s 13
month low: currently, 46.1% feel confident or
very confident in the U.S. economy
very confident/confident in chances for a strong economy
{adults 18+}
Source: Prosper Insights & Analytics
this month’s reading, which marks two
consecutive months of improvement, rests
above the 13 month average (44.8%)
44.9%
41.1%
46.1%
36%
38%
40%
42%
44%
46%
48%

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sentiment
very confident/confident in chances for a strong economy
{adults 18+}
Source: Prosper Insights & Analytics
historical perspective
headed into the all-important holiday shopping
season, sentiment is on the rise y/y, up a point
from Sep-15
this month’s reading also represents a nearly 5
point increase over pre-recession Sep-07
consumer sentiment
sentiment continues to improve from July’s 13
month low: currently, 46.1% feel confident or
very confident in the U.S. economy
this month’s reading, which marks two
consecutive months of improvement, rests
above the 13 month average (44.8%)
41.2%
44.9%
46.1%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%

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strategy
practicality & focus on needs
{adults 18+}
practical purchases
with confidence rising for September,
pragmatic purchase intentions ease this month
focus on needs
likewise, shoppers’ focus on just what they need
declines from August
Source: Prosper Insights & Analytics
in September, 37.6% indicate that they’ve
become more practical with purchasing, down
more than a point from August, on par with the
13 month average (37.3%)
42.3% indicate they are zeroing in on just what
they need when at the store, down more than
a point from August, falling in line with the 13
month average (42.3%)
42.1% 42.3%
35.9%
37.6%
25%
30%
35%
40%
45%
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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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 2016?
those planning to spend “more” on gifts this
holiday season increases more than a point y/y,
due to a slight decline in shoppers planning to
spend the “same”
0%
10%
20%
30%
40%
50%
60%
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.
shoppers planning to spend “less” remain
relatively unchanged y/y

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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}
?
Prosper Holiday Spending Score
despite increasing confidence, the 2016 Score
remains in line with 2014 and 2015, suggesting
that planned gift spending for the upcoming
holiday season will again total in the $600
ballpark
directionally speaking, the Score has served as a
relatively accurate bellwether for consumers’
holiday spending intentions
will spending perk up in 2016?
those planning to spend “more” on gifts this
holiday season increases more than a point y/y,
due to a slight decline in shoppers planning to
spend the “same”
shoppers planning to spend “less” remain
relatively unchanged y/y
$516
$549
$537
$597
$595
$300
$350
$400
$450
$500
$550
$600
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
2011 2012 2013 2014 2015 2016
Holiday Gift Spending (October)
Prosper Holiday Spending Score (September)
?

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