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BEAR NECESSITIES

The insanity over the Starbucks “Bearista” cups tells you everything you need to know about the US economy and markets

Upper-income consumers and megacap tech companies are both a) doing well and b) supply constrained.

The lack of bear cups is almost too much to bear.

A $30 ursine coffee cup offered by Starbucks seems to be too popular. Customers are literally fighting to get their hands on one, and the company has already apologized for not having enough supplies to go around.

We can probably safely infer that anyone willing to spend $30 on an admittedly very adorable bear cup probably isn’t pinching pennies to make ends meet. A bear cup is a bear necessity, but not a bare necessity. I have a deep envy of anyone for whom access to a bear cup is what inspired you to make your William Wallace-esque last stand.

Starbucks customers are generally more affluent than average. That means they’re part of a cohort that Bank of America has recently flagged as enjoying better pay growth than lower-income Americans, and, accordingly, showing more robust growth in spending.

Turning to financial markets...

Nvidia’s doing well! CEO Jensen Huang recently boasted of more than $500 billion in orders for its flagship chips through 2026.

Microsoft’s doing well, too! Its Azure cloud business is on fire and has a massive backlog.

But the thinking is that they could be doing even better if not for pesky supply constraints, which in this case do relate to something that is a bare necessity: power.

The most charitable interpretation of Jensen Huang’s remarks this week on how tight the AI race is between the US and China is that the CEO is trying to hold the government’s feet to the fire on the urgency of boosting energy supplies to meet the power demands of the AI boom.

For his part, Microsoft CEO Satya Nadella recently said his biggest problem right now is “not a supply issue of chips; it’s actually the fact that I don’t have warm shelves to plug into.”

The top of the heap, among households and businesses, have little to complain about but supply issues. Those supply issues are still hurting lower-income Americans, too — coffee prices are near all-time highs, and electricity prices have surged — but not in ways that seem to be bad enough to tip the aggregate “economy” in a negative way.

Lower-income earners are supply-of-income constrained, and even major US companies that fall outside the so-called Magnificent 7 cohort appear to be less well-off this year on the earnings front than analysts expected at the beginning of April, as this chart from Apollo Chief Economist Torsten Slok shows:

2025 EPS estimates Apollo

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Retail traders are “skipping the dip” this time

Here’s one noteworthy feature of the recent market downturn that has the S&P 500 poised for its worst week since reciprocal tariffs were announced in early April: retail traders seemingly aren’t eager to buy the weakness in single stocks the way they used to be.

JPMorgan strategist Arun Jain has flagged that retail traders instead appear to be “skipping the dip.”

“In contrast to the behavior observed during the post-Liberation Day selloff, retail investors did not seize the opportunity to buy-the-dip on Tuesday, with a few exceptions such as META,” he wrote of the day where the benchmark US stock index fell 1.2%. “In fact, they scaled back their ETF purchases and turned net sellers in single stocks.”

Then on Thursday, when the S&P 500 fell 1.1%, Jain projected that retail traders sold $261 million in single stocks. Through noon ET on Friday, his daily outflow estimate stands at $851 million.

With that intel, it’s little wonder why the carnage this week has been particularly intense in more speculative single stocks that had been favored by the retail community, including IREN, IonQ, Rigetti, Cipher Mining, Bloom Energy, and Oklo.

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Archer Aviation plunges on $650 million share sale following its third-quarter results

Air taxi maker Archer Aviation is deep in the red on Friday morning after reporting its third-quarter results after the bell Thursday. The stock is down more than 12%.

Investors don’t appear to be thrilled about the company’s $650 million direct stock offering, announced alongside its results.

The move marks at least the third major equity raise, and dilution, for Archer this year. The company raised $300 million from a new stock sale in February, and sold $850 million worth of shares in June.

On Archer’s earnings call Thursday, interim CFO Priya Gupta said the company came to the decision after “substantial inbound interest.” According to Gupta, the company has heard from government and commercial partners that liquidity is a “key driver to their decisions of who to partner with.” With its latest share sale, Archer said its total liquidity is more than $2 billion.

The move marks at least the third major equity raise, and dilution, for Archer this year. The company raised $300 million from a new stock sale in February, and sold $850 million worth of shares in June.

On Archer’s earnings call Thursday, interim CFO Priya Gupta said the company came to the decision after “substantial inbound interest.” According to Gupta, the company has heard from government and commercial partners that liquidity is a “key driver to their decisions of who to partner with.” With its latest share sale, Archer said its total liquidity is more than $2 billion.

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