Card Intelligence · Issue 001
The US card industry, read every morning.
Daily intelligence on US credit card issuers — peer financials drawn from SEC and FFIEC filings, master trust performance from monthly servicer reports, macro overlays from the Federal Reserve, and the full universe of active card products. One place, structured by us.
Peer financials
Every public US card issuer, normalized.
Twenty years of segment-level financials from 10-K, 10-Q, and FFIEC Call Reports. Side-by-side comparison across NCO, NIM, efficiency, and capital ratios.
Master trusts
Monthly servicer data, cleanly compared.
Charge-offs, MPR, yield, excess spread, delinquency curves from Form 10-D and ABS-EE filings. Ten trusts, ten years of monthly history.
Macro overlay
What the cycle is doing to your portfolio.
Thirty macroeconomic series with correlation analysis. Overlay any MEV against any issuer or trust metric to see what is leading and what is lagging.
From the editors
We are building the working layer for the next 50 card issuers.
The top ten US card issuers have research teams. The other 200 do not. They make the same decisions — pricing, underwriting, product design, competitive positioning — with a fraction of the resources. Cardintel is the daily intelligence layer for those teams, the analysts who cover them, and the investors who hold their paper.