McKinsey · consulting-deck
US Credit Card Issuer Performance 1Q 2023
37 pages · 0 arc beats · 0 loops
US Credit Card Issuer Performance 1Q 2023
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Deck intelligence map
1 coverage by narrative range · generated from this deck JSON
Narrative range 37 total
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Whole deck 37 slides 100% 37/37 slides 100% 37/37 slides · 207 hits 51.4% 19/37 slides 29.7% 11/37 slides 10.8% 4/37 slides — 0/37 slides
— 0/37 slides
Slide inventory
37 every slide · same image gating as the playbook
02
Includes footnotes referencing Visa Spending Momentum Index and Bank of America Consumer Checkpoint.summarize
03
The slide uses line charts to track quarterly economic performance against 10-year averages.analyze_data
04
The slide uses four line charts to illustrate macroeconomic trends in consumer credit.analyze_data
05
The table uses color-coding to indicate performance relative to the average (blue for better, black for worse).summarize
06
The chart uses a 2x2 matrix structure to segment issuers based on growth performance relative to industry averages.compare_peers
07
The chart highlights a divergence between online and in-store retail performance.analyze_data
08
The chart illustrates a general downward trend in growth rates for most categories starting in late 2022.analyze_data
09
The slide explains the methodology of the SMI index (100 as a baseline) and provides specific data points for early 2023.analyze_data
10
The slide uses four line charts to compare growth metrics against risk metrics.analyze_data
11
Includes annotations for specific market events (Capital One/Walmart, Wells Fargo PLCC shift).analyze_data
12
The chart tracks 10 distinct issuers. The YoY growth metric is presented as a callout for each issuer.analyze_data
13
The chart tracks 11 different financial institutions. The right-hand column shows the YoY bps growth as of 1Q 2023.compare_peers
14
The chart tracks multiple issuers including Bread, Synchrony, CapOne, Citi PLCC, Navy FCU, Discover, Wells, Barclays, US Bank, BofA, Chase, Citi GPCC, and Amex.analyze_data
15
The slide uses line charts to track financial performance metrics over time, with specific YoY growth callouts.analyze_data
16
The chart tracks performance across 6 companies: CapOne, Synchrony, Discover, BofA, Amex, and Barclays.analyze_data
17
The chart uses a broken Y-axis to accommodate the significantly higher income of Amex compared to other issuers.compare_peers
18
The chart tracks six distinct entities: Amex, Synchrony, CapOne, Discover, Barclays, and BofA.compare_peers
23
The slide argues that POS lending is not currently threatening card usage significantly.analyze_data
24
The chart highlights the overlap between credit card ownership and POS lending usage.analyze_data
25
The slide uses a grouped bar chart structure to contrast two segments of credit cardholders across five behavioral metrics.diagnose
28
The slide uses a bubble chart visualization within a table structure to represent the magnitude of net new revenues.quantify_impact
29
The slide uses a grouped bar chart format presented as a table to compare growth rates across two time periods.analyze_data
30
The slide uses a dual-bar chart structure centered on payment instrument categories.analyze_data
31
The chart segments companies into 'Pure card players', 'Card specialists', and 'Diversified issuers'.analyze_data
32
The chart shows a significant spike in P/E ratios around 2020-2021 followed by a general decline and stabilization.compare_peers
33
The chart shows a significant spike in P/E ratio for one of the companies around 3Q 2020.compare_peers
34
The chart notes that Wells Fargo's P/E ratios for 2Q-4Q 2020 were extremely high due to low EPS, causing them to be excluded from the visual range.compare_peers
35
The chart shows a significant decline in P/B ratios for most players after 1Q 2022, with Amex maintaining the highest ratio throughout the period.compare_peers
36
The chart shows a trend comparison between two financial institutions over a 3.5-year period.compare_peers
37
The chart displays P/B ratios as percentages, though standard P/B is typically a decimal ratio; the y-axis scale suggests values are multiplied by 100.analyze_data