Stock Markets May 20, 2026 12:12 PM

Jefferies: Affluent, Highly Educated Americans Show Rising Confidence Amid Mixed Consumer Sentiment

Overall sentiment slips while wealthier and more-educated cohorts rebound, labor indicators improve and pay-loss reports stabilize

By Priya Menon

Jefferies finds that higher-income households and those with advanced degrees have seen recent gains in sentiment, even as aggregate consumer confidence eased to 88 from 94 at the end of February. The drop in the overall reading reflected weaker scores across current conditions, financial expectations, buying attitudes and business outlooks, with buying conditions and business expectations most pressured by energy costs and geopolitical concerns. Labor-market perceptions and the share of workers reporting pay loss showed signs of stabilization.

Jefferies: Affluent, Highly Educated Americans Show Rising Confidence Amid Mixed Consumer Sentiment

Key Points

  • Overall consumer sentiment fell to 88 from 94 at the end of February and 100 a year ago, with declines across current conditions, expectations for personal finances, buying conditions, and business conditions.
  • Higher-income households and those with a Master’s degree or higher saw sentiment recover from March lows, rising about 5 points and 7 points respectively, possibly linked to stronger securities markets and lower sensitivity to gasoline prices.
  • Labor-market measures improved: hiring conditions were reported as better, the unemployment index moved back below neutral, younger age groups reported notable gains, and the share of workers reporting loss of pay stabilized around 12 percent.

Jefferies' recent consumer-sentiment analysis shows a divergence within the U.S. population: while the broad index slipped, more-affluent and better-educated groups reported improvements in sentiment in recent weeks. The report cites possible links to gains in equity markets and a reduced sensitivity to gasoline costs among those cohorts.

On the aggregate level, the consumer-sentiment score fell to 88 in the latest release, down from 94 at the end of February and from 100 a year earlier. The firm says this overall decline was driven by weaker readings across multiple components of the survey, including assessments of current conditions, expectations for personal finances, perceptions of buying conditions and views on business conditions.

Among those subcomponents, current buying conditions and expected business conditions experienced the greatest deterioration. Jefferies attributes that pressure primarily to elevated energy prices and the prevailing geopolitical climate.

Counterbalancing the broader softness, consumers holding a Master’s degree or higher showed a recovery of about 7 points from the March low, bringing their sentiment back to levels seen in late February. Higher-income consumers also registered improvement, with sentiment rising roughly 5 points from the March trough. Jefferies suggests these gains for higher-income households may reflect improved conditions in securities markets.

On labor-market measures, respondents reported improved hiring conditions. The unemployment index, which had previously moved above a neutral threshold, has since retreated below that threshold, indicating a modest improvement in labor-market perceptions.

Younger cohorts showed notable month-to-month gains in labor-market experience: the 18-24 and 25-34 age groups both reported meaningful improvements in hiring conditions over the past month. Jefferies also notes broad-based improvement across education and regional cohorts.

Finally, the proportion of workers reporting a loss of pay stabilized at about 12 percent. That level represents an improvement relative to the post-holiday period and aligns with readings seen in early December.


Key takeaways

  • Aggregate consumer sentiment declined to 88, down from 94 at end-February and 100 a year earlier.
  • Higher-income and Master’s-or-higher education cohorts saw recent sentiment gains, potentially linked to stock-market improvements and lower sensitivity to gasoline prices.
  • Labor-market perceptions improved, with the unemployment index moving back below neutral and pay-loss reports stabilizing near 12 percent.

Sectors affected: consumer discretionary and financial markets may be sensitive to shifts in higher-income sentiment; energy sector dynamics are cited as a pressure point on buying and business expectations; labor-market improvements have implications for employment-sensitive services and retail demand.

Risks

  • Elevated energy prices and geopolitical tensions are cited as putting the most pressure on buying conditions and expected business conditions - this poses downside risk to consumer spending and business confidence, affecting consumer-focused and energy-sensitive sectors.
  • The overall decline in sentiment across multiple components indicates persistent weakness that could weigh on consumption and sectors reliant on broad-based consumer confidence, such as retail and discretionary goods.
  • Improvements concentrated in higher-income and highly educated cohorts may leave lower-income or less-educated groups more vulnerable, creating uneven demand recovery and risk for sectors dependent on mass-market spending.

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