Japan Carmakers Put Squeeze on Households With Higher Loan Rates
More than a year after the Bank of Japan's first interest rate increase in 17 years, the volatile march higher in super-long bonds is raising the cost of servicing loans, including car repayments — making the auto sector one of the first key pain points as households look to tighten their belts.
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Yahoo
9 minutes ago
- Yahoo
Mintegral Launches Advanced IAP ROAS Optimization to Help Developers Acquire High-Value Users and Boost Revenue
Designed for Growth-Focused Developers, the New IAP ROAS Model Enhances UA Efficiency and Maximizes Revenue Impact SINGAPORE, July 23, 2025--(BUSINESS WIRE)--Mintegral, the leading programmatic advertising platform, today announced the official launch of its In-App Purchase Return on Ad Spend (IAP ROAS) optimization model. This new feature enables mobile app developers to acquire high-value, paying users with greater precision, efficiency, and profitability. Mintegral's IAP ROAS optimization model is designed to help apps across nearly all genres increase their in-app purchase revenue. By setting preset ROAS goals, developers can now pinpoint and attract users most likely to engage with and contribute to their app's profitability, striking a crucial balance between growth scale and long-term sustainability. As ROAS becomes the key metric for marketers, the demand for smarter, outcome-focused tools is increasing. According to EMARKETER, 58% of U.S. advertisers are focused on measuring the effectiveness of ROAS. A recent Bain & Company survey further highlights the importance of innovation, showing that top retailers achieved a 10% to 25% increase in ROAS during the past holiday season by using AI-powered, targeted campaigns. These findings underscore the increasing demand for performance-driven solutions. Mintegral's Target ROAS solutions enable developers to acquire high-value users more effectively, driving sustainable revenue growth. "Our new IAP ROAS optimization model is a game-changer for app developers seeking sustainable growth," said Erick Fang, CEO of Mintegral. "It empowers them with unprecedented control over their profitability, allowing them to acquire high-value users efficiently and confidently. This is another testament to Mintegral's commitment to delivering innovative, AI-powered solutions that directly impact our clients' bottom line." Key benefits of Mintegral's IAP ROAS optimization include the following: Diverse Optimization Goals: Supports optimization for In-App Advertising (IAA), IAP, and hybrid monetization models. Flexible Optimization Windows: Offers Day 0 (within 24 hours of install) and Day 7 (within seven calendar days of install) optimization windows for all Target ROAS models. Efficient Budget Utilization: Leverages Mintegral's oCPI (Optimized Cost Per Install) bidding, which automatically adjusts bids based on predicted traffic value and ROAS goals. AI-Powered Precision: Employs advanced machine learning algorithms to predict user value across multiple dimensions accurately. By integrating IAP ROAS into their campaigns, developers can now accelerate growth, enhance the quality of their user base, and achieve greater control over their app's financial performance. About Mintegral Mintegral is the leading mobile advertising platform dedicated to helping apps grow globally. With access to premium traffic, industry-leading machine learning, and interactive creatives, Mintegral's AppGrowth, Retargeting, and Monetization solutions enable marketers to scale audiences and revenue with ease. Discover more at View source version on Contacts pr@ Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
38 minutes ago
- Yahoo
2025 Toyota Camry Vs. Honda Accord: 5 Major Differences
2025 Toyota Camry Vs. Honda Accord: 5 Major Differences originally appeared on Autoblog. Battle of the midsize giants The midsize sedan segment is set to shrink yet again, with the Chevy Malibu and Subaru Legacy production ceasing following the 2025 model year. The Toyota Camry has maintained its position as the segment leader for quite a while now, with the Honda Accord not far behind. While both Japanese midsize sedans are competitive family cars, there are several major differences between the two that could be a game-changer for some drivers. 1. All Camry models are hybrid The Toyota Camry underwent a full redesign for the 2025 model year, and with those design updates came a new standard powertrain. The all-new Camry comes with a hybrid setup as the sole option. The old V6 engine was one of the last of its kind among the midsize segment, but it no longer fits the bill. Instead, the midsize sedan's hybrid powertrain consists of a 2.5-liter four-cylinder engine paired with two electric motors up front, producing 225 horsepower. Toyota (still) doesn't provide a combined system torque for its hybrid models. Notably, the Toyota Camry is available with an all-wheel drive motor, one of only a few models to offer this feature. A third motor added to the rear of the vehicle increases total output to 232 horsepower. The Honda Accord isn't available with an all-wheel drivetrain at all; front-wheel drive is the sole option. The Honda Accord comes with two engine options. The base model features a 1.5-liter turbocharged four-cylinder engine that produces 192 horsepower and 192 lb-ft of torque. The Accord is also available in hybrid form, with a 2.0-liter four-cylinder engine paired with a high-torque electric motor. That combination produces 204 horsepower and 247 lb-ft of torque. 2. Honda Accord Hybrid costs nearly $5,000 more While both the Honda Accord and Toyota Camry come with hybrid powertrains, there's a pretty significant price difference between the two. All Camry models come equipped with a hybrid setup, which means even the base LE model, priced from $28,700, comes with a fuel-efficient powertrain. If you want a Honda Accord with a hybrid powertrain, you'll need to step up to the Sport Hybrid trim, which starts at $33,655, a near-$5,000 difference. With that higher trim level comes a better list of standard equipment. The Honda Accord Sport Hybrid rides on 19-inch wheels complemented by full LED lighting and a black decklid spoiler. Inside, the Accord Sport Hybrid features a wireless phone charger, wireless smartphone compatibility, and a 12.3-inch touchscreen display. Comparatively, the hybrid Toyota Camry LE rides on 16-inch wheels with LED headlights with automatic on/off functionality. Inside, the base Camry is a close match to the Accord Sport Hybrid, with wireless phone charging and wireless smartphone compatibility. Notably, the Camry LE comes equipped with a smaller eight-inch touchscreen display. 3. The top-spec Camry is more affordable than the Accord At the top of the range, both the Toyota Camry and Honda Accord come equipped with hybrid powertrains. Each midsize sedan is available in four hybrid-powered trim levels, but there's a significant price difference at the top of the range. The top-spec Camry XSE starts at $34,900, while the Accord Touring Hybrid is priced from $39,300. The Toyota Camry XSE rides on athletic 19-inch wheels with a smoked gray and black finish. LED lighting, a color sport mesh front grille, side canards, rear diffuser, and a black rear spoiler create an aggressive aesthetic. The Camry's interior follows the same upscale styling, with premium amenities that include leather trim throughout. Multi-stage heated front seats, a 12.3-inch digital gauge cluster, and a 12.3-inch touchscreen display are just a few other highlights. Although more expensive, the Honda Accord Touring Hybrid comes with more premium amenities. Like the Camry XSE, the top-spec Accord Hybrid rides on 19-inch wheels complemented by full LED headlights. Inside, climate-controlled and leather-trimmed seats help create a comfortable driving experience. As for tech, a 12.3-inch touchscreen display comes standard. Notably, the Accord Touring Hybrid comes with a standard Bose audio system, an optional upgrade in the Camry XSE. 4. Honda Accord offers more passenger and cargo space The Honda Accord and Toyota Camry have generally been around the same size - they're both midsize sedans, after all. The Accord features a 111.4-inch wheelbase, and the Camry nearly matches it, with a wheelbase measuring 111.2 inches. In terms of interior space, however, the Honda Accord leads the Camry. The Honda Accord boasts up to 102.8 cu ft. of passenger space in most models, trumping the Camry's 98.8 cu ft. with relative ease. The Accord also offers around an inch more front headroom and nearly two inches of rear legroom compared to the Camry. In terms of cargo space, the Accord takes a win as well, with up to 16.7 cu ft. compared to the Camry's 15.1 cu ft. 5. The Toyota Camry is more efficient There's no doubt that both the Camry and Accord Hybrid are incredibly efficient sedans, but the all-new Camry manages to top its Japanese rival thanks to its new powertrain. At the base level, the front-wheel drive Camry LE earns up to 53 mpg in the city, 50 mpg on the highway, and 51 mpg in combined driving. Upgrading to all-wheel drive reduces fuel economy by two miles per gallon in the city and one mile per gallon on the highway. Fuel economy tends to vary across the range according to wheel size. Stepping up to the Camry SE, XLE, or XSE brings fuel economy to 48 mpg in the city and 47 mpg on the highway. Shifting gears to AWD reduces the Camry SE and XLE's fuel economy to 46 mpg across the board. On the upper end of the range, the XSE AWD remains incredibly efficient, earning up to 44 mpg in combined city/highway driving. The Honda Accord EX-L Hybrid offers the highest efficiency in the range, earning up to 51 mpg in the city, 44 mpg on the highway, and 48 mpg in combined driving. All other Accord Hybrid models are rated for 46 mpg in the city and 41 mpg on the highway. As for the gas-only Accord models, they're fairly efficient, earning up to 29 mpg in the city and 37 mpg on the highway. Final thoughts The midsize sedan segment is only getting more competitive as the years go by. With Chevy and Subaru withdrawing their midsize sedan offerings after this year, the segment drops to just five entries. The Toyota Camry and Honda Accord have held their own as the top two models on the market over the past decade. With manufacturers' belts tightening, however, only time will tell if the Japanese rivals will maintain their positions or fall by the wayside in favor of other, perhaps all-electric, competitors. 2025 Toyota Camry Vs. Honda Accord: 5 Major Differences first appeared on Autoblog on Jul 22, 2025 This story was originally reported by Autoblog on Jul 22, 2025, where it first appeared.
Yahoo
39 minutes ago
- Yahoo
Easing Trade Tensions Boost Stocks but Chip Stocks Slide
The S&P 500 Index ($SPX) (SPY) today is up +0.25%, the Dow Jones Industrials Index ($DOWI) (DIA) is up +0.45%, and the Nasdaq 100 Index ($IUXX) (QQQ) is down -0.14%. September E-mini S&P futures (ESU25) are up +0.26%, and September E-mini Nasdaq futures (NQU25) are down -0.15%. Stock indexes today are mixed, with the Dow Jones Industrials posting a 2-week high. Stocks found support today on some positive trade news that has boosted market sentiment. President Trump announced a trade deal with Japan late Tuesday, which will impose 15% tariffs on imports from Japan, lower than the previously announced 25% rate set to take effect on August 1. The deal also creates a $550 billion fund for Japan to invest in the US. Japan also agreed to purchase 100 Boeing aircraft, increase its purchases of US rice by 75%, and buy $8 billion in other agricultural products, while raising its defense spending with American firms to $17 billion annually, from $14 billion. More News from Barchart Nvidia Stock Warning: This NVDA Challenger Just Scored a Major Customer Dear Microsoft Stock Fans, Mark Your Calendars for July 30 Dear QuantumScape Stock Fans, Mark Your Calendars for July 23 Get exclusive insights with the FREE Barchart Brief newsletter. Subscribe now for quick, incisive midday market analysis you won't find anywhere else. However, the Nasdaq 100 index is under pressure today due to weakness in auto-related chip makers, led by a -12% plunge in Texas Instruments after company executives on an earnings call said there isn't a 'true broad recovery' in the automotive sector, as automotive customers who ship into the US are cautious due to tariffs. Today's US economic news was bearish for stocks after June existing home sales fell -2.7% m/m to a 9-month low of 3.93 million, weaker than expectations of -0.7% to 4.00 million. US MBA mortgage applications rose +0.8% in the week ended July 18, with the purchase mortgage sub-index up +3.4% and the refinancing sub-index down -2.6%. The average 30-year fixed rate mortgage rose +2 bp to 6.84% from 6.82% in the prior week. Recent trade news has put some downward pressure on stocks. Last Wednesday, President Trump announced that he intends to send a tariff letter to more than 150 countries, notifying them that their tariff rates could be 10% or 15%, effective August 1. Also, President Trump recently announced that the US will impose 30% tariffs on US imports from the European Union and Mexico, effective August 1. In addition, Mr. Trump said that a 35% tariff on some Canadian products would take effect on August 1, up from the current 25%. The markets this week will focus on any tariff news along with the announcement of any new trade deals. After today's close, Alphabet and Tesla will release their quarterly earnings. On Thursday, weekly initial unemployment claims are expected to climb by +5,000 to 226,000. Also, the July S&P US manufacturing PMI is expected to slip -0.2 to 52.7. Finally, on Thursday, June new home sales are expected to climb +4.3% m/m to 650,000. On Friday, June capital goods new orders nondefense ex-aircraft and parts are expected to increase by +0.2% m/m. Federal funds futures prices are discounting the chances for a -25 bp rate cut at 5% at the July 29-30 FOMC meeting and 58% at the following meeting on September 16-17. The markets are absorbing a heavy slate of quarterly corporate earnings results this week. About one-fifth of the companies in the S&P 500 are expected to report their Q2 earnings results this week. Early results now show S&P 500 earnings are on track to rise +3.2% for the second quarter, better than the pre-season expectations of +2.8% y/y, according to Bloomberg Intelligence. Also, only six of the eleven S&P 500 sectors are projected to post an increase in earnings, the fewest since Q1 of 2023, according to Yardeni Research. Overseas stock markets today are higher. The Euro Stoxx 50 is up +0.88%. China's Shanghai Composite rose to a new 9.5-month high and closed up +0.01%. Japan's Nikkei Stock 225 rallied to a 1-year high and closed up sharply by +3.51%. Interest Rates September 10-year T-notes (ZNU25) today are down -8 ticks. The 10-year T-note yield is up +3.0 bp to 4.374%. T-notes are retreating today after the announcement of a trade deal between Japan and the US reduced safe-haven demand for government debt. Supply pressures are also weighing on T-notes as the Treasury will auction $13 billion of 20-year T-bonds later today. Losses in T-notes are contained after US existing home sales fell more than expected to a 9-month low, a dovish factor for Fed policy. T-note prices also have support as the US 10-year breakeven inflation rate fell to a 1-week low today of 2.386%. European government bond yields today are moving higher. The 10-year German bund yield is up +1.4 bp to 2.604%. The 10-year UK gilt yield is up +4.2 bp to 4.611%. Swaps are discounting the chances at 2% for a -25 bp rate cut by the ECB at Thursday's policy meeting. US Stock Movers Power producers are climbing today after PJM Interconnection LLC predicted that the AI boom will prompt businesses and households served by the largest US power grid to spend a record $16.1 billion to ensure electricity supplies, which could support utility profit margins. Talen Energy (TLN) is up more than +8% and Vistra (VST) is up more than +6%. Also, NRG Energy (NRG) is up more than +5% and Constellation Group (CEG) is up more than +4%. Weakness in shares of automotive and industrial chipmakers is limiting gains in the Nasdaq 100, with Texas Instruments (TXN) down more than -12% to lead losers in the Nasdaq 100 after company executives on an earnings call said there isn't a 'true broad recovery' in the automotive sector as automotive customers who ship into the US are cautious due to tariffs. Also, ON Semiconductor (ON) is down more than -7% and Microchip Technology (MCHP) is down more than -6%. In addition, NXP Semiconductors (NXPI), Analog Devices (ADI), and Global Foundries (GFS) are down more than -2%. Lamb Weston Holdings (LW) is up more than +20% to lead gainers in the S&P 500 after reporting Q4 net sales of $1.68 billion, stronger than the consensus of $1.59 billion. GE Vernova (GEV) is up more than +14% after reporting Q2 revenue of $9.11 billion, stronger than the consensus of $8.80 billion. Thermo Fisher Scientific (TMO) is up more than +13% after reporting Q2 revenue of $10.86 billion, above the consensus of $10.69 billion, and forecasting full-year sales of $43.6 billion-$44.2 billion, the midpoint above the consensus of $43.7 billion. Lennox International (LII) is up more than +9% after reporting Q2 adjusted EPS of $7.82, well above the consensus of $6.89. TE Connectivity Plc (TEL) is up more than +8% after reporting Q3 net sales of $4.53 billion, better than the consensus of $4.33 billion, and forecasting Q4 net sales of $4.55 billion, above the consensus of $4.42 billion. Baker Hughes (BKR) is up more than +7% to lead gainers in the Nasdaq 100 after reporting Q2 revenue of $6.91 billion, stronger than the consensus of $6.64 billion. Capital One Financial (COF) is up more than +1% after reporting Q2 net revenue of $12.49 billion, above the consensus of $11.84 billion. Fiserv (FI) is down more than -17% to lead losers in the S&P 500 after reporting Q2 organic revenue grew +8.00%, below the consensus of +8.91%. Otis Worldwide (OTIS) is down more than -11% after reporting Q2 net sales of $3.60 billion, below the consensus of $3.71 million, and cutting its full-year net sales forecast to $114.5 billion to $14.6 billion from a previous estimate of $14.6 billion to $14.8 billion, weaker than the consensus of $14.72 billion. Teledyne Technologies (TDY) is down more than -5% after forecasting full-year adjusted EPS of $21.20-$21.50, the midpoint below the consensus of $21.42. Unity Software (U) is down more than -3% after BTIG downgraded the stock to sell from neutral with a price target of $25. Northern Trust Corp (NTRS) is down more than -3% after reporting Q2 provision for credit losses of $16.5 million, well above the consensus of $4.31 million. Hilton Worldwide Holdings (HLT) is down more than -1% after cutting its full-year net income forecast to $1.64 billion to $1.68 billion from a previous forecast of $1.71 billion to $1.75 billion. Earnings Reports (7/23/2025) Alphabet Inc (GOOGL), Amphenol Corp (APH), AT&T Inc (T), Boston Scientific Corp (BSX), Chipotle Mexican Grill Inc (CMG), CME Group Inc (CME), Crown Castle Inc (CCI), CSX Corp (CSX), Fiserv Inc (FI), Freeport-McMoRan Inc (FCX), GE Vernova Inc (GEV), General Dynamics Corp (GD), Globe Life Inc (GL), Hasbro Inc (HAS), Hilton Worldwide Holdings Inc (HLT), International Business Machine (IBM), Lamb Weston Holdings Inc (LW), Las Vegas Sands Corp (LVS), Lennox International Inc (LII), Molina Healthcare Inc (MOH), Moody's Corp (MCO), NextEra Energy Inc (NEE), Northern Trust Corp (NTRS), NVR Inc (NVR), O'Reilly Automotive Inc (ORLY), Otis Worldwide Corp (OTIS), Packaging Corp of America (PKG), Raymond James Financial Inc (RJF), Rollins Inc (ROL), ServiceNow Inc (NOW), TE Connectivity PLC (TEL), Teledyne Technologies Inc (TDY), Tesla Inc (TSLA), Thermo Fisher Scientific Inc (TMO), T-Mobile US Inc (TMUS), United Rentals Inc (URI). On the date of publication, Rich Asplund did not have (either directly or indirectly) positions in any of the securities mentioned in this article. All information and data in this article is solely for informational purposes. This article was originally published on
