Macro

Recession Probability

The model-implied or market-implied likelihood of a recession over a forward window — typically 12 months — derived from yield-curve, credit, and labor signals.

Definition

Recession probability models combine leading indicators (yield curve, credit spreads, ISM new orders, jobless claims) into a single time-varying probability. Different models weight signals differently; the NY Fed term-spread model is the most widely cited.

No single model is reliable in isolation, which is why institutional desks track several and weight them by current regime.

Why it matters

Recession probability drives the price of duration, the credit spread, and the equity risk premium. Mispricing it is the largest source of cross-asset miscalibration.

Worked example

The 2s10s inverted in July 2022; the NY Fed model peaked above 70% in 2023. The recession arrived later and shallower than expected — a cautionary tale about probability ≠ certainty.

Frequently asked

Which model is most reliable?
None alone. The yield-curve model has the best long-horizon track record; credit and labor add timing precision.
Does an inverted yield curve guarantee recession?
Historically every US recession since 1955 was preceded by inversion, but the lead has ranged from 6 to 24 months.
What invalidates a recession signal?
Falling spreads, re-steepening with rising long yields, and a sharp uptick in new orders.
How do markets price recession?
Steeper curves at the front end, wider credit spreads, lower equity multiples, and stronger USD.

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