Consumer Credit & Debit Card Transaction Data | Tracking Quarterly Performance

# Tracking Quarterly Performance for Alpha Generation with Consumer Edge Credit & Debit Card Transaction Data

Consumer Edge is a leader in alternative consumer data for public and private investors and corporate clients. CE Transact Signal is an aggregated transaction feed that includes consumer transaction data on 100M+ credit and debit cards, including 14M+ active monthly users. Capturing online, offline, and 3rd-party consumer spending on public and private companies, data covers 12K+ merchants and deep demographic and geographic breakouts. Track detailed consumer behavior patterns, including retention, purchase frequency, and cross shop in addition to total spend, transactions, and dollars per transaction.

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Consumer Edge’s consumer transaction datasets offer insights into industries across consumer and discretionary spend such as:

- Apparel, Accessories, & Footwear
- Automotive
- Beauty
- Commercial – Hardlines
- Convenience / Drug / Diet
- Department Stores
- Discount / Club
- Education
- Electronics / Software
- Financial Services
- Full-Service Restaurants
- Grocery
- Ground Transportation
- Health Products & Services
- Home & Garden
- Insurance
- Leisure & Recreation
- Limited-Service Restaurants
- Luxury
- Miscellaneous Services
- Online Retail – Broadlines
- Other Specialty Retail
- Pet Products & Services
- Sporting Goods, Hobby, Toy & Game
- Telecom & Media
- Travel

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## This data sample illustrates how Consumer Edge data can be used by public investors to track quarterly performance, providing quarterly spend for a set of public tickers and private companies.

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Inquire about a CE subscription to perform more complex, near real-time quantitative analysis on public tickers and private brands like:

- Analyze transaction-level data to uncover hidden trends, identify emerging consumer preferences, and be the first to anticipate shifts in market forces
- Leverage the largest panel with the most history and unprecedented accuracy to inform buy/sell/hold decisions for enhanced ability to capture alpha

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Consumer Edge offers a variety of datasets covering the US and Europe (UK, Austria, France, Germany, Italy, Spain), with subscription options serving a wide range of business needs.

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## Use Case: Tracking Quarterly Performance

*Problem*

Understand growth drivers and age demographics of off-price retailers to predict quarterly performance.

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*Solution*

Leverage CE Data to monitor off-price retailers traffic growth and age demographics.

June 2024: Following another quarter of sales growth, off-price retailers TJX and ROST cited increased traffic and marketability across age demographics as drivers of performance. CE data shows that TJX is growing among the youngest and oldest shoppers, whereas ROST experienced a rise in traffic among the middle-aged cohorts.

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Off-price retailer TJX Companies, Inc. (TJX) recently reported US Sales Growth of 5.3%, close to CE Implied Reported Growth of 5.0% and below consensus of 5.6%.

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Off-price retailer Ross Stores, Inc (ROST) reported net sales of 8.1%, in line with CE Implied Reported Growth of 8.1% and above consensus of 7.4%. 

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Clients can utilize CE cohort tools to monitor traffic among different age demographics at off-price retailers such as TJX and ROST. 

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## Corporate researchers and consumer insights teams use CE data for:

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Corporate Strategy

- Ecommerce vs. brick & mortar trends
- Real estate opportunities
- Economic spending shifts

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Marketing & Consumer Insights

- Total addressable market view
- Competitive threats & opportunities
- Cross-shopping trends for new partnerships
- Demo and geo growth drivers
- Customer loyalty & retention

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Investor Relations

- Shareholder perspective on brand vs. competition
- Real-time market intelligence
- M&A opportunities

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## Most popular use cases for private equity and venture capital firms include:

- Deal Sourcing
- Live Diligences
- Portfolio Monitoring

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Public and private investors can leverage insights from CE’s synthetic data to assess investment opportunities, while consumer insights, marketing, and retailers can gain visibility into transaction data’s potential for competitive analysis, understanding shopper behavior, and capturing market intelligence.

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## Most popular use cases among public and private investors include:

- Track Key KPIs to Company-Reported Figures
- Understanding TAM for Focus Industries
- Competitive Analysis
- Evaluating Public, Private, and Soon-to-be-Public Companies
- Ability to Explore Geographic & Regional Differences
- Cross-Shop & Loyalty
- Drill Down to SKU Level & Full Purchase Details
- Customer lifetime value
- Earnings predictions
- Uncovering macroeconomic trends
- Analyzing market share
- Performance benchmarking
- Understanding share of wallet
- Seeing subscription trends

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Fields Include:

- Day
- Merchant
- Subindustry
- Industry
- Spend
- Transactions
- Spend per Transaction (derivable)
- Cardholder State
- Cardholder CBSA
- Cardholder CSA
- Age
- Income
- Wealth
- Ethnicity
- Political Affiliation
- Children in Household
- Adults in Household
- Homeowner vs. Renter
- Business Owner
- Retention by First-Shopped Period
- Churn
- Cross-Shop
- Average Ticket Buckets

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**Consumer Edge is the Leader in Data-Driven Insights Focused on the Global Consumer**