The world is underestimating the risk of a US recession

Donald Trump
Donald Trump will either be remembered for cementing US economic dominance or undermining it through his trade war – Jim Lo Scalzo/EPA-EFE/Shutterstock

From this side of the Atlantic, the US economic situation looks enviable. Stock markets are defying gravity, confidence is riding high, and real GDP – after a 2.8pc gain in 2024 – is some 12pc above its pre-pandemic level.

Over the same five-year period, economic activity in the UK has grown by a paltry 3pc. With only a 4pc increase in France, momentum is scarcely better than in the UK. But both are in less bad shape than Germany. Hampered by a massive wave of de-industrialisation, Europe’s biggest economy has not managed any overall growth since late 2019.

Over the past three years, the US has defied worries that a slump may be imminent – most notably during 2022 and 2023 as the US Federal Reserve aggressively tightened the monetary screws to curb surging inflation.

After consistently surprising to the upside, the risk of a US recession is low on financial markets’ list of concerns.

So maybe now is the time to be worried. When confidence exceeds fundamentals, the risk of downside surprises increases.

Of course, it does not necessarily follow that a period of fast growth needs to give way to a slump. But a close examination of fundamentals suggests some cause for concern.

Last year, US federal government borrowing reached close to 7pc of GDP while the unemployment rate was around 4pc. In the US’s entire post-Second World War history, there has never seen such a large differential between government borrowing and the unemployment rate.

Recessionary levels of borrowing at full employment are helping to pump up domestic economic activity and fuel a bubble in stocks. Driven by the exceptional performance of top tech companies like Apple and Tesla, US market capitalisation has grown from 150pc of GDP in 2019 to a massive 210pc.

As surging stocks push US household net worth to an all-time high, consumers are spending almost every dollar they earn. In 2024, the US household savings rate declined from 5.5pc to 3.8pc. From 2010 to 2019 the saving rate averaged 6.1pc.

Rapid US growth is underpinned a self-reinforcing cycle of massive government borrowing, rising stock prices, and increased consumer spending.

Between the fourth quarter of 2019 and the same period of 2024, personal consumption jumped by 15pc, government spending increased by 9pc, and intellectual property investment gained an enormous 38pc.

In contrast, exports of goods and services rose just 6pc, housing investment expanded by a meagre 3pc, and industrial production barely grew at all. In the parts of the US economy that are weak, performance is almost as bad as in Europe.

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