美国消费数据依然强劲，但"水面之下"的经济状况可能更加复杂。 根据数据分析公司Adobe Analytics，在相当于美国线上购物节的"网络星期一"（12月1日），全美消费 者线上支出预计高达142亿美元，同比增长6.3%。这意味着包括"黑色星期五"在内的感恩节前后五天， 线上消费总额达437亿美元。 软件服务公司Salesforce的统计表现出类似趋势，美国"网络星期一"的消费额达到134亿美元，同比增长 约4%。与此同时，万事达公司的消费数据显示，以实体店购物为主的"黑色星期五"零售销售额今年同 比上升4.1%。 然而，从消费结构来看，增长背后存在分化。Salesforce发现，尽管总支出增加，美国购物者在"黑色星 期五"结账时实际购买的商品数量却有所减少，较去年下降2%。在平均售价上涨7%的背景下，订单量 出现1%的下滑。 上海交通大学上海高级金融学院实践教授胡捷对第一财经记者表示，市场目前高度关注消费者支出意 愿，但整体形势仍不够明朗，现有数据也较为零散，释放出的信号比较复杂。在他看来，总体消费目前 呈现偏弱态势。 用"折扣"换购买 消费情报公司尼尔森IQ（NielsenIQ）电子商务战略洞察负责人奥 ...

American consumers upped their spending slightly during Black Friday amid an uncertain economic landscape.By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.That’s according to preliminary insights from Mastercard Spe ...

Core Viewpoint - The article emphasizes the effectiveness of investing in dividend growth stocks and reinvesting dividends as a strategy for long-term wealth growth [1]. Group 1: Investment Strategy - The individual investor has explored various investment styles over 25 years, concluding that dividend growth stocks are a reliable method for wealth accumulation [1]. - The investor operates a blog focused on S&P Dividend Aristocrats and other dividend growth stocks, indicating a commitment to sharing knowledge in this investment area [1]. Group 2: Investment Experience - The investor has experience with a diverse range of investment vehicles, including stocks, options, ETFs, treasury notes, and mutual funds, showcasing a broad understanding of the market [1].

美国消费者在今年"黑色星期五"展现出的消费韧性超出了市场预期，使得零售总额实现了稳健增长，但 这一亮眼数据的背后，掩盖了高通胀环境下实际购买力增长乏力以及日益加剧的经济分化现实。虽然总 体支出攀升，但富裕阶层与低收入群体的消费行为呈现出显著的"K型"分化，通胀焦虑与价格敏感性成 为主导市场情绪的核心变量。 据为万事达卡提供数据的SpendingPulse发布的最新统计，今年"黑色星期五"美国零售销售额（不含汽 车）同比增长4.1%，超过了去年3.4%的增速。 与此同时，Adobe Analytics的数据揭示了一个全新的趋势：生成式人工智能首次在假日购物季中扮演了 关键角色，流向美国电商网站的AI相关流量较去年激增600%。 这一系列数据为密切关注假日购物季的高管、经济学家和投资者均提供了重要信号。一方面，数据表明 尽管面临高昂的借贷成本和就业市场的不确定性，美国消费者并未停止打开钱包；另一方面，市场分析 指出，销售额的增长很大程度上是由商品价格上涨而非销售数量增加所推动。若扣除通胀因素，实际支 出的增长幅度可能非常有限，显示出消费者在购买决策上变得更加精明和审慎。 线上渠道成为今年增长的主要引擎。Adobe ...

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Market Analysis by covering: Mastercard Inc, American Express Company, Visa Inc Class A. Read 's Market Analysis on Investing.com ...

Core Insights - The payments landscape is undergoing a transformation with Buy Now, Pay Later (BNPL) becoming a popular financing option, challenging traditional credit card dominance [2][3] - Mastercard and Affirm are competing to shape the future of short-term credit in the digital economy [2][3] Mastercard Overview - Mastercard has a market cap of $489.4 billion and facilitates secure electronic payments globally, leveraging its network to support banks and merchants in providing installment solutions [5] - In Q3 2025, Mastercard's net revenues increased by 17% year over year, driven by strong consumer spending and cross-border volumes [6] - The company is investing in various innovative areas such as tokenization, cybersecurity, and AI-powered solutions to enhance its market position [7] - Mastercard maintains a strong cash position with $10.4 billion in cash and no short-term debt, allowing for share buybacks and dividends [8] Affirm Overview - Affirm is a key player in the BNPL space, focusing on transparency and data-driven underwriting, with features appealing to younger consumers [9][10] - The company reported a 34% revenue growth and a 42% increase in gross merchandise volume (GMV), expanding its ecosystem to 24.1 million consumers and 419,000 merchants [9][11] - Affirm's partnerships with major merchants enhance its market presence and allow for attractive financing options like 0% APR promotions [11] - The company utilizes AI for underwriting and customer support, contributing to its growth and efficiency [12] Financial Performance Comparison - Zacks Consensus Estimates predict Mastercard's 2025 sales and EPS growth at 15.8% and 12.6%, respectively, while Affirm's estimates indicate a 26% sales increase and a staggering 566.7% EPS growth for fiscal 2026 [14] - Year-to-date, Mastercard stock has returned 3.5%, while Affirm has outperformed with a 13% increase [15] - On a price-to-sales basis, Mastercard trades at 13.46X forward revenues compared to Affirm's 5.11X, indicating more room for growth for Affirm [16] Valuation Insights - Mastercard is currently trading below its average analyst price target of $659.38, suggesting a 21% potential upside, while Affirm trades below its target of $94.73, indicating a 37.7% potential upside [17] Conclusion - Both companies are strong players in the payment facilitation space, but Affirm's rapid user adoption and focus on BNPL innovation position it for greater long-term growth potential [18] - For investors seeking rapid gains, Affirm currently presents a more compelling opportunity compared to Mastercard [21]

Core Insights - The article emphasizes the construction of investment portfolios focused on generating additional income through dividends, highlighting the importance of companies with competitive advantages and strong financials [1] Group 1: Investment Strategy - The strategy involves identifying companies that provide attractive Dividend Yield and Dividend Growth, allowing for an increase in annual dividend income [1] - A well-diversified portfolio across various sectors and industries is recommended to minimize volatility and mitigate risk [1] - Incorporating companies with a low Beta Factor is suggested to further reduce the overall risk level of the investment portfolio [1] Group 2: Portfolio Composition - Suggested investment portfolios typically consist of a blend of ETFs and individual companies, emphasizing broad diversification and risk reduction [1] - The selection process for high dividend yield and dividend growth companies is meticulously curated, focusing on total return, which includes both capital gains and dividends [1] - This approach aims to maximize returns while considering a full spectrum of potential income sources [1]

Key Takeaways MA launches a new BusinessCard in Mexico to support beauty entrepreneurs and advance sector-specific commerce.The card targets cash-heavy salons by easing credit challenges and simplifying purchasing.Digitized B2B payments and Clara's AI tools help MA enhance credit decisions and deepen its SME presence.Mastercard Incorporated (MA) is diving deeper into sector-specific commerce innovation, and its latest collaboration with L’Oréal could signal a significant change in how beauty products are fi ...

Core Insights - Mastercard has launched the Mastercard Access Pass in the UAE, aimed at enhancing experiential payments and driving engagement for issuers and brands [1][3] - The initiative is part of a broader trend among global payment networks and banks to differentiate their digital card offerings through personalization and loyalty [1][5] Group 1: Product Launch and Features - The Access Pass program is initially partnered with the McLaren Formula 1 Team and First Abu Dhabi Bank (FAB), providing eligible FAB cardholders with exclusive content and merchandise [3][4] - Consumers can activate the McLaren Racing Mastercard Pass via the FAB mobile app, allowing for instant digital-wallet updates [4] - The offering is set to expand with more designs, partners, and markets by 2026 [4] Group 2: Market Demand and Strategy - There is a growing demand for personalized card features, particularly among younger consumers who expect exclusive content and brand-aligned rewards [5] - Mastercard positions Access Pass as a dual-purpose tool for consumer engagement and value creation for issuers, emphasizing its role in connecting cardholders to their passions [6] - The UAE launch is framed as the beginning of a global strategy, with plans for further expansion [6] Group 3: Broader Company Initiatives - Mastercard is also focusing on AI-driven fraud prevention and security enhancements across merchant and issuer networks [6] - The company is advancing into open banking, aiming to streamline account-to-account payments and improve identity verification [7]