Start / Chit Chat Stocks / Carvana ally financial and collapsing consumer lending impact on economy

Carvana, Ally Financial, And Collapsing Consumer Lending? (Impact On Economy)

59 min • 6 augusti 2025

On this episode of Chit Chat Stocks, Brett speaks with Laks from Unicus Research on data their research firm is tracking in regards to car loans (including Carvana), student loan impact on credit scores, and deteriorating consumer balance sheets. They discuss:

(03:45) Exploring the Used Car Lending Market

(07:10) Analyzing Ally's Position in the Market

(15:26) Understanding Asset-Backed Securities (ABS)

(28:18) Carvana: A Battleground Stock

(32:35) Shorting Carvana: Risks and Considerations

(33:11) Carvana and Ally: A Troubling Relationship

(34:47) Fraud Allegations and Market Realities

(37:53) The Deteriorating Car Lending Market

(38:20) The Impact of Student Loan Resumption

(41:56) Consumer Spending and Economic Implications

(44:00) The Rise of Buy Now Pay Later (BNPL) Services

(48:21) Consumer Financial Health at Risk

(55:26) Future Outlook: Can Consumer Spending Recover?

Unicus Research website: https://www.unicusresearch.com/

Twitter/X: https://x.com/UnicusResearch

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