Generated August 4, 2026 · Data through August 1, 2026 · Biweekly cycle
Moderate — Issues to address
−6.2%
NLM YoY — new originations declining
27.0%
replenishment ratio (peer avg ~34%)
284 days
Jewelry inventory days-on-hand
What you're reading
This is a sanitized example of what Scoop Intelligence delivers to a customer's front-line location managers every two weeks — automatically. Scoop codified how the COO and top analysts run the business into a secure, custom AI model. Everything you read was generated automatically from that model. Key points:
Inception to pilot in around 5 weeks, with ~10 hours of COO investment
Operating playbook now scaled to every district, location without adding headcount
Performance of every location investigated every reporting cycle automatically — nothing gets missed
Adverse trends now surfaced 2–3 months before they appear in headline numbers
Raises the performance floor across the network; more for lower performers
In production today; rolling out to 1,000+ locations in Q4 2026
Scoop Analytics · Sanitized customer example · Confidential
Store 4418 — Performance snapshot
PLO
$312,400
↑ +11.3% YoY
Net Revenue
$58,600
↑ +14.8% YoY
PSC
$46,200
↑ +9.4% YoY
NLM
$84,300
↓ −6.2% YoY
Store 4418 is growing on PLO (+11.3%), Net Revenue (+14.8%), and PSC (+9.4%) YoY, but new loan originations declined 6.2% in dollars and 8.9% in transaction count in the most recent complete month — a store-specific shortfall against peers that averaged +16.4% NLM growth. The portfolio replenishment ratio has fallen to 27.0%, below the peer typical of ~34%, and the trend in GM subcategories suggests the shortfall will persist unless counter execution is addressed.
Questions to investigate
Household & Office loan count fell 47.3% YoY — is the team actively soliciting these items at the counter, or has the product mix in the store shifted away from Household & Office traffic?
Average loan size in Jewelry rose while loan count fell 11.2% YoY — is the team gravitating toward high-value Jewelry loans and passing on lower-value items at the counter?
Power Tools NLM dropped 44.2% YoY — is this a seasonal pattern or has floor presentation or team attention to Tools category shifted?
Recommended action plans
GM Transaction Recovery
HIGH
Why this plan: Household & Office NLM fell 51.7% YoY on 47.3% fewer loans, and Power Tools NLM fell 44.2% on 38.6% fewer loans. Together these two subcategories account for 62% of GM origination volume and are the primary driver of the store-level NLM shortfall. The pattern appears consistent across the team — it is not attributable to a single shift or individual — suggesting a counter solicitation gap rather than a training issue with one person. GM transaction recovery is the fastest path to stabilizing the replenishment ratio before PLO begins to compress.
Walk the GM floor daily before 12 PM and confirm team members are actively soliciting on every customer who presents non-Jewelry items — coach on the spot when a solicitation is missed.
Manager on duty to participate in every GM loan that a team member declines or offers below the guideline threshold — verify the appraisal and suggest adding items to meet the customer's cash needs.
Track Electronics, Household & Office, and Power Tools loan counts separately on the weekly dashboard; set a target count for each and review with the team at the weekly touchpoint.
Loan count YoY % by transaction date — baseline −8.9%, target: no worse than −3.0% by next cycle.
Jewelry Loan Count Rebuild
MEDIUM
Why this plan: Jewelry PLO grew 18.6% YoY, driven by rising average loan sizes — loan count fell 11.2% YoY while average loan amount rose. The pattern is consistent with a team that has become selective on smaller Jewelry items, declining Bracelets (NLM −28.4%) and lower-value Chains in favor of Rings and high-value Pendants. While rising ATV in Jewelry is not itself a problem, the count decline reduces origination breadth and creates concentration risk if the high-ATV cohort does not return next cycle. The replenishment ratio at 27.0% is already below peer threshold — count recovery is the faster lever.
Conduct a grading calibration session on Bracelet and entry-level Chain items — confirm the team's offer approach is consistent with company standards and not systematically declining items that peers accept.
Review the last 30 declined Jewelry items with the team and identify any pattern in item type, condition grade, or customer profile.
Set a minimum Jewelry loan count target for the cycle and track it daily alongside GM count targets.
Jewelry loan count YoY % by transaction date — baseline −11.2%, target: no worse than −5.0% by next cycle.
NLM performance by subcategory — YoY %
Growing (mint)
Contracting (pink)
Peer avg NLM (+16.4%)
Store avg NLM (−6.2%)
Origination & category mix
The NLM decline is concentrated in General Merchandise, where new loan dollars fell 36.8% YoY and loan count dropped 38.2% YoY. Within GM, Household & Office NLM fell $8,140 (−51.7% YoY) on 47.3% fewer loans, and Power Tools NLM fell $5,830 (−44.2% YoY) on 38.6% fewer loans. Together these account for 62% of GM origination volume and are the primary driver of the store-level transaction count decline. Electronics was the one GM bright spot, growing NLM +18.6% on +14.4% loan count.
Within Jewelry, Rings was the standout at NLM +41.3% YoY on 38.7% more loans. Bracelets declined sharply at NLM −28.4% YoY on 24.8% fewer loans. Pendants grew a modest +8.2%. The divergence between Rings and Bracelets is consistent with a selective lending posture — the team is extending aggressively on Rings while applying tighter standards on Bracelets and lower-value Chain items.
Analysis
Performance overview
As of the most recent complete month (June 2026, full-year YoY), PLO stands at $312,400 (+11.3% YoY), Net Revenue at $58,600 (+14.8% YoY), and PSC at $46,200 (+9.4% YoY). Net Revenue growth is above the MW3 peer median of approximately +9.8%. PSC growth of +9.4% is slightly below the peer typical of ~12.1%, reflecting the loan size composition shift within Jewelry. Layaway balance grew 8.6% YoY to $21,400 — a modest positive customer purchase-intent signal.
NLM declined to $84,300 (−6.2% YoY) on 412 new loans (−8.9% YoY). Dollar and count declines are roughly proportional, so average loan size held roughly flat at the store level — but within Jewelry, average loan size rose significantly as the team shifted toward higher-value items. This NLM result is a clear store-specific shortfall: the MW3 peer median grew NLM approximately +16.4% YoY in the same window, and Store 4418 sits in the bottom quartile of its peer group.
Replenishment trajectory
The NLM-to-PLO replenishment ratio has fallen to 27.0%, below the peer typical of ~34%. Over the trailing four months, the ratio has declined from 33.6% (March) to 29.4% (April) to 28.1% (May) to 27.0% (June) — a consistent downward trend that, if it continues through Q3, puts PLO growth at risk of decelerating below district peers by Q4 2026. PSC would follow 3–6 months later.
What to watch next
The district manager should monitor whether GM loan count in Household & Office and Power Tools stabilizes or deepens next period. If the replenishment ratio continues declining below 25%, PLO will begin to compress in absolute terms within 2–3 months based on the current loan book maturity profile. The drop rate at 52.3% is modestly above the peer typical of ~46%, which may indicate an opportunity to improve redemption outreach with returning borrowers.
Metric
Store 4418
MW3 peer typical
Signal
PLO YoY %
+11.3%
~+13–15%
Slightly below peers
NLM YoY %
−6.2%
~+16.4%
Below peers — primary concern
NLM loan count YoY %
−8.9%
~+13.8%
Transaction volume declining
Replenishment ratio
27.0%
~34%
Below threshold
Jewelry loan count YoY %
−11.2%
~+9.4%
Selective lending risk
Merchandise sales YoY %
+2.1%
~+14.1%
Conversion gap
Drop rate
52.3%
~46%
Modestly elevated
Ready to see your data?
Every location. Every cycle. Generated for you.
This is a sample of what Scoop Intelligence delivers to your district and location managers every two weeks — automatically.
✓
District and location briefs every cycle — no analyst required
✓
AI-generated action plans and aligned to your playbook
✓
Trends flagged 2–3 months before headline numbers decline
✓
Uses existing data stack — no rip-and-replace required
✓
From inception to pilot in under 5 weeks
✓
Requires minimal time from IT or senior operators to go live
"
We're in a competitive industry with tight margins. Just bringing our underperforming locations closer to the mean could get us over a point of margin improvement.
Scoop Analytics