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Snacks / Monday, July 11, 2022

At least the Biscoff cookies are free… Delta drops earnings on Wednesday, at a time when “upsell” revenue has surged to make up 15% of sales for airlines (think: extra legroom, early boarding, $5 headphones). Delta lost $780M last quarter, but was profitable in March as pricey airfares and packed flights offset fuel costs. Still, Delta and others are struggling to meet hot summer demand (which is back around pre-pandemic levels) as labor shortages persist. We’ll see whether thousands of delays and cancellations hit Delta’s earnings.

Watching that credit-card APR rise like... that’s a lot of interest. All eyes are on big-bank earnings this week, with Citi, Wells Fargo, BlackRock, Morgan Stanley, and JPMorgan dropping #s. Big-bank profits fell in the first quarter, and a looming econ downturn could add to their troubles. Think: less revenue from deal-making, trading, and loans (mortgage lending has dropped as rates rise). JPMorgan cut hundreds of employees in June, and more Wall Street layoffs are likely. Analysts expect earnings to come in slightly lower than initially forecast.

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