Report|21 Aug 2026

The Forward Look—U.S. Credit Insights: Q3 2026

Key Takeaways

  • Our base case assumes a continuation of the constructive backdrop for credit, where economic growth at or around trend and relatively easy financial conditions are producing solid—if not extraordinary—earnings growth and manageable defaults.
  • Nevertheless, macro uncertainty remains elevated despite historically tight spreads. What are we watching? The promise of artificial intelligence (AI); the health of the labor market; the resilience of consumer spending; the long end of the yield curve; and the price of oil distillates.
  • Credit spreads have proven to be relatively resilient to geopolitical developments, idiosyncratic credit deterioration, and technical pressures related to heavier-than-expected new issue supply. We expect demand across all but the riskiest part of the credit curve to remain strong on account of attractive income and durability considerations.

The View: Our Macro Forecasts

U.S. Real GDP Growth 2026 Estimate—2.2%…

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