对于支付公司来说，年底的几周至关重要，购物和旅游的激增可想而知。节日促销、礼品购买趋势和旅 行通常会推动交易量上升，从而直接推动收入增长。 美国运通的支出数据缓解了人们对假日季需求可能疲软的担忧。此前，美国政府持续时间最长的一次停 摆和更广泛的经济不确定性打击了旅游业。 信用卡巨头美国运通（American Express）首席执行官斯蒂芬·斯奎里（Stephen Squeri）周三表示，在关 键的感恩节假期当周，美国消费者零售支出增长了9%。 斯奎里在纽约举行的高盛美国金融服务会议上表示："从感恩节前一周到网络星期一，我们看到美国消 费者零售支出增长了9%，美国消费者铂金零售支出增长了13%。" 在这个关键的假期期间，美国运通网络上的零售支出增长也超出了整体市场支出的预期。 根据Adobe Analytics的一份报告，在所谓的网络周（从感恩节到网络星期一的五天）期间，总体在线支 出增长了7.7%。 美国运通卡的客户往往比整个市场更高端、更富裕。高收入消费者仍在计划度假，购买昂贵的非必需 品，这帮助该公司免受支付行业整体放缓的影响。 今年10月，这家信用卡巨头在第三季度业绩超出华尔街预期后，上调了2025年 ...

Core Insights - Best Buy reported Q3 FY2026 revenue of $9.67 billion, exceeding market expectations of $9.58 billion, with a net profit of $140 million and adjusted EPS of $1.40, surpassing the forecast of $1.30 [1][2] - Same-store sales increased by 2.7%, outperforming the analyst average estimate of 1.62% [1] - The company raised its full-year revenue and profit guidance based on strong holiday season demand, driven by significant discounts on consumer electronics [1] Financial Performance - Domestic revenue reached $8.88 billion, a 2.1% year-over-year increase, primarily driven by a 2.4% rise in same-store sales [1] - International revenue was $794 million, up 6.1% year-over-year, supported by a 6.3% increase in same-store sales, although currency fluctuations negatively impacted results [1] - Online sales in the domestic market amounted to $2.82 billion, a 3.5% year-over-year increase, accounting for 31.8% of total domestic revenue [1] Product Performance - Computers and tablets contributed approximately one-third of total sales, benefiting from consumer upgrades and replacement needs stemming from the pandemic [2] - The gaming segment performed well, particularly due to the launch of Nintendo Switch 2 earlier this year [2] - Sales declines in home theater and appliance categories partially offset overall growth [2] Future Outlook - The company adjusted its FY2026 guidance, expecting same-store sales growth of 0.5% to 1.2%, up from a previous range of -1% to +1% [2] - Full-year revenue guidance was raised to a range of $41.65 billion to $41.95 billion, from the previous $41.1 billion to $41.9 billion [2] - Adjusted EPS expectations were narrowed to $6.25 to $6.35, compared to the prior range of $6.15 to $6.30 [2] Market Reaction - Following the earnings report, Best Buy's stock initially rose over 3% in pre-market trading but later declined by 1.08%, trading at $74.80 per share [3]

Core Insights - The company has experienced a positive beginning to the crucial fourth quarter, as stated by CEO Richard Dickson [1] Group 1 - The company is optimistic about its performance in the fourth quarter [1]

Core Insights - The majority of American consumers are pessimistic about the economic outlook, with 57% expecting a downturn in the coming year, marking the most negative sentiment since Deloitte began tracking this data in 1997 [2] - 77% of respondents anticipate an increase in holiday goods prices, up from 69% last year, coinciding with the first holiday season following recent tariff hikes on imports [2] - Consumers plan to spend an average of $1,595 during the holiday season, a 10% decrease from last year's planned spending of $1,778 [2] Consumer Spending Trends - The trend of expected spending decline spans all income groups and nearly all age demographics, with Gen Z (ages 18-28) planning to spend 34% less than last year, while Millennials (ages 29-44) expect a 13% decrease [3] - In contrast, Generation X plans to increase spending by 3%, and Baby Boomers anticipate a 6% decrease [4] - Economic uncertainty and inflation pressures, particularly regarding housing and daily necessities, are contributing to tighter budgets among younger consumers [5] Retail and Holiday Predictions - Retailers and brands face warnings as households expect to reduce spending during the critical sales period, with overall holiday spending projected to grow by only 4%, below the 10-year average of 5.2% [5] - Online holiday spending is expected to increase by 5.3%, slower than last year's 8.7% growth [5] - Deloitte's findings indicate a significant rise in consumers seeking discounts, with 70% of respondents engaging in multiple cost-saving behaviors [7] Budgeting and Gift Spending - Consumers plan to cut non-gift holiday expenditures by an average of 22%, while gift spending remains relatively stable, with an average of eight gifts planned compared to nine last year [7]