Mintos Portfolio Performance - detailed statistics, InvestP2PLending

Created on: Mon 18 Nov 2019 09:56:09 PM CET

Below are statistics for my personal portfolio on Mintos. If you would like to see different statistics let me know at mintos@investp2plending.com. Note that all numbers are in EUR as I am not investing in other currencies.

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Contents

Monthly Transactions

Inc. Payment - amount of money sent to Mintos; Inv. PM - amount invested in primary market; Inv. SM - amount invested in secondary market; Bonus - bonus paid by Mintos to my account; Interest - interest earned; Rep./Rebuy - repayment/rebuy of principal; Profit - total revenue generated on Mintos; Other - non-classified transaction not accounted for elsewhere; Available - amount available for investment (end of month); Balance - balance on the account (end of month); ADB - average daily balance (average from balances at the end of each day); ADB i% - yield (interest) measured on average daily balance; ADI - average daily investment (average from invested amount at the end of each day, note this is lower compared to ADB); ADI i% - yield (interest) on average daily investment, note that this will be typically slightly higher then ADB i%; ADI/ADB(%) - utilization of funds, share of average daily balance that is invested (max is 100%, higher is better). Implied IR - (1 + Interest in current month divided by average daily balance of previous month) ^ 12 - 1. Expected annual return.

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Month Inc. Payment Withdrawal Inv. PM Inv. SM Bonus Interest Rep./Rebuy Profit Other Balance Available ADB ADB i% ADI ADI i% ADI/ADB(%) Implied IR
  €145,210.00 -€40,610.00 -€1,398,669.00 €0.00 €358.00 €14,974.00 €1,278,878.00 €15,332.00 -€3.00                
2019-11-01 €0.00 €0.00 -€104,274.00 €0.00 €0.00 €619.00 €98,683.00 €619.00 €0.00 €119,928.00 €138.00 €119,659.00 9.31 -€117,732.00 9.46 98.4 5.83
2019-10-01 €0.00 -€22,000.00 -€132,756.00 €0.00 €0.00 €1,242.00 €151,956.00 €1,242.00 €0.00 €119,309.00 €5,110.00 €130,836.00 11.39 -€127,407.00 11.70 97.4 10.13
2019-09-01 €10.00 -€18,610.00 -€125,076.00 €0.00 €0.00 €1,735.00 €147,663.00 €1,735.00 €0.00 €140,067.00 €6,668.00 €153,778.00 13.54 -€151,576.00 13.74 98.6 14.18
2019-08-01 €0.00 €0.00 -€146,088.00 €0.00 €0.00 €1,766.00 €144,009.00 €1,766.00 €0.00 €156,932.00 €946.00 €156,107.00 13.58 -€145,466.00 14.57 93.2 14.62
2019-07-01 €0.00 €0.00 -€133,445.00 €0.00 €0.00 €1,535.00 €132,881.00 €1,535.00 €0.00 €155,166.00 €1,259.00 €154,414.00 11.93 -€152,469.00 12.08 98.7 14.27
2019-06-01 €19,477.00 €0.00 -€117,445.00 €0.00 €20.00 €1,416.00 €96,549.00 €1,436.00 €0.00 €153,631.00 €288.00 €137,335.00 12.37 -€136,308.00 12.47 99.3 13.65
2019-05-01 €0.00 €0.00 -€107,168.00 €0.00 €0.00 €1,322.00 €104,001.00 €1,322.00 €0.00 €132,717.00 €270.00 €132,103.00 12.01 -€130,861.00 12.12 99.1 12.82
2019-04-01 €0.00 €0.00 -€103,225.00 €0.00 €0.00 €1,259.00 €103,862.00 €1,259.00 €0.00 €131,395.00 €2,116.00 €130,839.00 11.55 -€129,629.00 11.65 99.1 12.32
2019-03-01 €0.00 €0.00 -€95,640.00 €0.00 €7.00 €1,314.00 €92,215.00 €1,321.00 -€3.00 €130,136.00 €220.00 €129,450.00 12.18 -€127,347.00 12.38 98.4 13.01
2019-02-01 €0.00 €0.00 -€60,143.00 €0.00 €0.00 €981.00 €60,456.00 €981.00 €0.00 €128,818.00 €2,327.00 €128,290.00 9.18 -€127,239.00 9.25 99.2 11.00
2019-01-01 €38,828.00 €0.00 -€108,592.00 €0.00 €94.00 €833.00 €69,807.00 €927.00 €0.00 €127,837.00 €1,034.00 €112,318.00 8.90 -€111,927.00 8.93 99.7 15.47
2018-12-01 €38,529.00 €0.00 -€86,941.00 €0.00 €207.00 €531.00 €47,683.00 €738.00 €0.00 €88,083.00 €64.00 €69,085.00 9.22 -€68,920.00 9.25 99.8 13.92
2018-11-01 €0.00 €0.00 -€18,152.00 €0.00 €29.00 €324.00 €17,814.00 €353.00 €0.00 €48,817.00 €55.00 €48,634.00 7.99 -€48,537.00 8.01 99.8 10.62
2018-10-01 €48,366.00 €0.00 -€59,723.00 €0.00 €0.00 €99.00 €11,300.00 €99.00 €0.00 €48,464.00 €41.00 €38,376.00 3.10 -€38,021.00 3.12 99.1  

Last 12 Days

New Inv - number of loans invested in given time; Inv Amt - invested amount; New wIR - weighted interest rate on new investments (weighted by remaining term; Fin Inv - number of finished investments in given time; Fin. Inv Amt - investment amount in loans that finished; wIR - weighted interest rate on finished investments, weighted by duration of investment and amount of investment; wXIRR - weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; TwD (bps) - difference to expected rate of return in basis points, e.g. 50 represents 0.5% positive difference (good).

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Date New Inv Inv Amt. New wIR Avg. Rem. Term Fin Inv Fin. Inv Amt wXIRR wIR TwD (bps)
Total 477 €50,498.45 11.8 2.6 806 €67,407.48 12.2 11.3 83
2019-11-18 44 €4,177.44 12.0 1.0 13 €749.68 27.9 10.8 1702
2019-11-17 53 €4,133.18 12.0 1.1 50 €5,197.71 11.5 11.0 49
2019-11-16 55 €6,234.71 12.0 4.0 67 €7,649.85 12.1 11.4 73
2019-11-15 68 €6,052.38 11.9 0.9 46 €7,402.71 12.3 11.6 75
2019-11-14 22 €3,173.60 11.4 1.1 53 €5,561.01 11.5 10.8 73
2019-11-13 31 €3,244.43 11.9 7.6 64 €4,392.34 11.8 11.4 40
2019-11-12 66 €8,150.29 12.0 2.6 164 €8,304.59 12.8 12.1 67
2019-11-11 6 €742.40 12.0 1.8 47 €4,704.55 12.3 11.6 63
2019-11-10 41 €2,791.57 11.9 2.3 54 €2,499.23 12.4 11.7 66
2019-11-09 35 €5,347.34 11.8 1.0 66 €5,600.01 11.2 10.8 42
2019-11-08 25 €2,888.68 11.7 7.3 49 €4,893.40 11.3 10.7 61
2019-11-07 11 €653.27 11.8 1.2 81 €6,502.09 11.2 10.8 47
2019-11-06 20 €2,909.16 11.0 4.7 52 €3,950.31 11.0 10.6 41

Last 12 Weeks

New Inv - number of loans invested in given time; Inv Amt - invested amount; New wIR - weighted interest rate on new investments (weighted by remaining term; Fin Inv - number of finished investments in given time; Fin. Inv Amt - investment amount in loans that finished; wIR - weighted interest rate on finished investments, weighted by duration of investment and amount of investment; wXIRR - weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; TwD (bps) - difference to expected rate of return in basis points, e.g. 50 represents 0.5% positive difference (good).

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Date New Inv Inv Amt. New wIR Avg. Rem. Term Fin Inv Fin. Inv Amt wXIRR wIR TwD (bps)
Total 1283 €112,416.33 11.1 8.9 12226 €430,240.79 755537731.7 12.3 75553771946
2019-11-18 44 €4,177.44 12.0 1.0 13 €749.68 27.9 10.8 1702
2019-11-11 301 €31,730.99 11.9 2.6 491 €43,212.76 12.2 11.5 64
2019-11-04 167 €19,704.27 11.7 3.1 405 €34,355.39 11642524722.4 11.2 1164252471122
2019-10-28 108 €11,676.46 11.3 6.8 732 €46,737.00 2354.7 11.1 234355
2019-10-21 66 €3,502.59 10.1 8.9 326 €16,924.45 11.6 11.5 7
2019-10-14 33 €1,345.05 9.6 11.7 499 €30,417.25 39740793.3 11.5 3974078180
2019-10-07 73 €5,637.38 9.8 4.9 586 €39,967.19 12.0 11.7 30
2019-09-30 53 €5,905.00 9.3 7.2 710 €40,543.36 12.3 12.0 34
2019-09-23 16 €1,885.94 9.9 4.5 1306 €44,973.30 12.6 12.5 16
2019-09-16 95 €13,808.29 9.4 2.3 916 €28,751.35 13.4 12.8 56
2019-09-09 45 €4,404.04 11.5 11.8 1891 €34,800.94 13.7 13.1 59
2019-09-02 41 €3,071.07 11.2 12.9 2202 €36,379.24 15.5 13.6 193
2019-08-26 241 €5,567.81 11.0 25.9 2149 €32,428.88 14.5 13.9 56

Last 12 Months

New Inv - number of loans invested in given time; Inv Amt - invested amount; New wIR - weighted interest rate on new investments (weighted by remaining term; Fin Inv - number of finished investments in given time; Fin. Inv Amt - investment amount in loans that finished; wIR - weighted interest rate on finished investments, weighted by duration of investment and amount of investment; wXIRR - weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; TwD (bps) - difference to expected rate of return in basis points, e.g. 50 represents 0.5% positive difference (good).

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Date New Inv Inv Amt. New wIR Avg. Rem. Term Fin Inv Fin. Inv Amt wXIRR wIR TwD (bps)
Total 2350 €129,318.53 11.2 6.3 80432 €1,250,759.67 249178115.0 12.7 24917810227
2019-11-01 564 €62,530.09 11.8 2.8 1163 €99,914.10 4333628530.7 11.1 433362851958
2019-10-01 279 €21,088.32 9.9 7.9 2468 €150,915.30 7120461.2 11.6 712044956
2019-09-01 213 €24,076.10 10.1 7.2 6773 €152,220.96 13.7 13.0 74
2019-08-01 250 €7,627.03 11.3 24.4 12641 €143,260.21 14.6 14.0 52
2019-07-01         13121 €134,102.48 14.3 13.8 50
2019-06-01         8735 €97,876.28 13.6 13.0 66
2019-05-01         9054 €101,635.61 13.3 12.7 53
2019-04-01 182 €1,820.00 12.1 6.1 8934 €100,382.01 12.7 12.4 36
2019-03-01 59 €590.00 12.2 6.9 7228 €91,396.04 12.5 12.3 20
2019-02-01 66 €660.00 12.1 3.5 4943 €56,589.65 12.3 12.3 1
2019-01-01 689 €8,426.99 12.8 2.2 3353 €64,253.86 12.3 11.9 38
2018-12-01 46 €2,400.00 11.1 2.0 1445 €46,013.90 11.3 10.9 38
2018-11-01 2 €100.00 11.0 12.5 574 €12,199.27 11.5 11.1 37

Last 12 Years

New Inv - number of loans invested in given time; Inv Amt - invested amount; New wIR - weighted interest rate on new investments (weighted by remaining term; Fin Inv - number of finished investments in given time; Fin. Inv Amt - investment amount in loans that finished; wIR - weighted interest rate on finished investments, weighted by duration of investment and amount of investment; wXIRR - weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; TwD (bps) - difference to expected rate of return in basis points, e.g. 50 represents 0.5% positive difference (good).

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Date New Inv Inv Amt. New wIR Avg. Rem. Term Fin Inv Fin. Inv Amt wXIRR wIR TwD (bps)
Total 2639 €134,837.59 11.2 6.4 81639 €1,265,890.98 247945115.4 12.7 24794510272
2019-01-01 2302 €126,818.53 11.2 6.4 78413 €1,192,546.50 257673988.1 12.8 25767397536
2018-01-01 337 €8,019.06 10.7 6.3 3226 €73,344.48 11.4 11.0 41

Concentration Report

Report showing the loan originators and countries with the highest exposure on current investment. Only exposures over 5% are shown. View - defines whether the exposure is on contry level or originator level; Entity - country or loan originator where I am exposed; Inv. Amt. - amount of current investments in '000 EUR; Share (%) - share of investment from all current investments; Detail - list of countries or originators that contribute to the exporure, with '000 EUR investment added.

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View Entity Inv. Amt. Share % Detail
Country Poland 33 24.6 Aasa (0),Kuki (19),Capital Service (2),Creditstar (10),Everest Finanse (0)
Originator Kuki 19 14.6 Poland (19)
Originator Dinero 17 13.1 Ukraine (17)
Country Ukraine 17 12.7 SOS Credit (0),E Cash (0),Alexcredit (0),Dinero (17)
Country Armenia 17 12.7 Varks (16),Mogo (0)
Originator Varks 16 12.3 Armenia (16)
Country Kazakhstan 13 9.7 Tengo (9),ID Finance (3)
Originator IuteCredit 11 8.5 Moldova (8),Albania (2),North Macedonia (0)
Originator Creditstar 11 8.5 Poland (10)
Originator Tengo 10 7.7 Kazakhstan (9)
Originator Cashwagon 10 7.7 Indonesia (0),Philippines (8)
Country Moldova 9 6.7 Mogo (0),Mikro Kapital (0),IuteCredit (8),Sebo (0)
Country Philippines 9 6.7 Cashwagon (8)
Country Latvia 8 6.0 Creamfinance (0),Bino (4),Banknote (2),Mogo Renti (0),VIZIA (0),Mogo (0),Hipocredit (0)
Originator ID Finance 7 5.4 Spain (3),Kazakhstan (3)
Originator Metrokredit 7 5.4 Russian Federation (6)
Country Russian Federation 7 5.2 Dozarplati (0),EcoFinance (0),Kviku (0),Metrokredit (6),Mikro Kapital (0)

Current Investments by Originator - Overview

SMI - secondary market indicator, indicates that investment was made on secondary market; Originator - loan originator of the loan; Loans - number of loans currently invested in; Inv. Amt. - invested amount; Inv. (%) - share of investments among the entire invested amount; Avg. IR - average interest rate (weighted by remaining term); Avg. Rem. Term - average remaining term; wXIRR - calculated for finished loans from the same loan originator, weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; TwD (bps) - calculated for finished loans from the same loan originator, difference to expected rate of return in basis points, e.g. 50 represents 0.5% positive difference (good). Fin. Loans - number of finished investments for given loan originator

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SMI Originator Loans Inv. Amt. Inv. (%) Avg. IR Avg. Rem. Term wXIRR TwD (bps) Fin. Loans
  IuteCredit 844 €1,692.00 1.4 12.2 3.0 12.5 81 1512
  ID Finance 333 €5,117.00 4.3 11.5 9.7 12.0 72 1335
  Banknote 156 €1,056.00 0.9 10.4 7.2 11.0 67 1404
  Dinero 144 €16,836.00 14.2 11.8 0.6 3723834097.1 372383408351 9932
  Cashwagon 122 €9,611.00 8.1 11.7 0.7 14.5 64 6496
  Varks 110 €16,303.00 13.8 11.3 0.5 6776029.1 677601648 16310
  Mogo 101 €1,636.00 1.4 10.4 29.8 10.7 61 200
  Kuki 96 €18,943.00 16.0 11.7 0.4 13.7 69 10547
  Tengo 95 €9,666.00 8.2 11.3 0.6 14.8 60 3874
  Metrokredit 75 €6,945.00 5.9 11.7 0.8 14.7 64 8658
  Capital Service 63 €1,498.00 1.3 13.2 15.4 14.4 103 342
  Akulaku 56 €1,299.00 1.1 10.9 4.6 11.7 67 4
  Creditstar 54 €10,552.00 8.9 9.1 0.0 10.4 64 8
  Aasa 46 €376.00 0.3 9.9 6.8 10.6 63 299
  Cashwagon Vietnam 43 €2,681.00 2.3 11.9 0.7 13.5 59 353
  Bino 31 €4,395.00 3.7 10.8 0.7 13.1 25 5051
  Getbucks 26 €123.00 0.1 11.9 67.0 13.0 95 13
  Kredit Pintar 24 €625.00 0.5 10.3 2.5 12.0 -1 177
  ExpressCredit Zambia 18 €1,350.00 1.1 10.6 5.3 13.8 58 772
  Tigo 17 €889.00 0.8 11.0 3.2 13.8 46 606
  Everest Finanse 15 €520.00 0.4 8.0 9.2      
  Sebo 12 €289.00 0.2 10.9 17.0 12.4 58 1024
  Watu Credit 11 €324.00 0.3 7.1 10.8 9.2 -38 2
  Hipocredit 9 €58.00 0.0 7.4 36.8      
  GetBucks 9 €39.00 0.0 11.8 69.8 8.8 -254 5
  Mogo Belarus 8 €102.00 0.1 7.9 11.3      
  Moneyman 8 €348.00 0.3 9.6 0.4 11.3 41 21
  Mikro Kapital 8 €191.00 0.2 8.9 42.3      
  ESTO 7 €153.00 0.1 8.3 11.4      
  CashCredit 7 €107.00 0.1 9.0 9.7 11.7 52 3
  ExpressCredit 7 €181.00 0.2 11.0 62.4 12.8 80 3
  Peachy 7 €137.00 0.1 10.0 4.4 9.9 43 9
  Placet 7 €128.00 0.1 7.7 11.3 9.8 87 3
  Simbo 7 €1,254.00 1.1 9.9 0.0 13.0 39 3024
  Dineria 6 €423.00 0.4 9.7 0.0 13.4 70 55
  Creamfinance Spain 6 €1,063.00 0.9 9.5 1.0 11.9 195 10
  Mogo Renti 5 €128.00 0.1 9.0 5.0 7.4 -61 11
  Kredo 5 €130.00 0.1 10.8 8.8 14.5 65 1288
  Dineo Credito 5 €105.00 0.1 8.2 0.8 9.3 35 10
  Monego 5 €158.00 0.1 10.8 6.6 16.4 218 3755
  VIZIA 4 €82.00 0.1 8.8 21.5 11.2 68 8
  EcoFinance 4 €178.00 0.2 10.0 1.0 10.3 32 3
  Credius 3 €73.00 0.1 9.3 10.0 12.9 89 1
  Lendo 3 €54.00 0.0 10.7 6.3 14.4 46 1404
  Mozipo Group 3 €118.00 0.1 10.7 23.7 12.6 70 7
  Credissimo 3 €63.00 0.1 6.3 5.3 7.2 41 3
  Creamfinance 2 €5.00 0.0 12.0 42.0 13.0 53 1
  SOS Credit 2 €40.00 0.0 10.0 1.0 9362902.6 936289360 5
  Kviku 1 €45.00 0.0 9.0 5.0      
  E Cash 1 €27.00 0.0 9.0 1.0 11.3 231 1
  Dozarplati 1 €24.00 0.0 12.0 6.0 12.7 33 2140
  Novaloans 1 €3.00 0.0 10.0 4.0      
  BB Finance Group 1 €12.00 0.0 9.0 4.0      
  Alexcredit 1 €125.00 0.1 12.0 0.0 12.2 20 2
  StikCredit 1 €12.00 0.0 8.0 5.0      

Finished Investments by Originator - Overview

SMI - secondary market indicator, indicates that investment was made on secondary market; Originator - loan originator of the loan; Loans - number of loans currently invested in; Inv. Amt. - invested amount; Avg Dur. - average (real) duration of investment; wXIRR - calculated for finished loans from the same loan originator, weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; TwD (bps) - calculated for finished loans from the same loan originator, difference to expected rate of return in basis points, e.g. 50 represents 0.5% positive difference (good). wIR250 - calculated for last 250 finished loans from the same loan originator, weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; wXIRR250 - calculated for last 250 finished loans from the same loan originator, weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; C. Loans - number of current investments for given loan originator C. Investment - amount of current investments for given loan originator

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SMI Originator Loans Investment Avg Dur. wXIRR wIR TwD (bps) wXIRR250 wIR250 TwD250 (bps) C. Loans C. Investment
  Dinero 9932 €181,450.00 18 3723834097.1 13.6 372383408351 53092668003.5 11.5 5309266799199 144 €17,146.00
  Varks 16310 €273,326.00 20 6776029.1 12.6 677601648 78828029.2 10.3 7882801888 110 €16,309.00
  SOS Credit 5 €64.00 5 9362902.6 9.0 936289360 9362902.6 9.0 936289360 2 €40.00
  Monego 3755 €38,667.00 27 16.4 14.2 218 30.1 12.8 1728 5 €188.00
  Dozarplati 2140 €28,216.00 32 12.7 12.3 33 14.6 14.2 40 1 €24.00
  Capital Service 342 €15,941.00 154 14.4 13.4 103 14.0 13.0 96 63 €2,262.00
  ExpressCredit Zambia 772 €9,729.00 36 13.8 13.3 58 13.9 13.2 64 18 €1,462.00
  Dineria 55 €900.00 38 13.4 12.7 70 13.3 12.4 92 6 €423.00
  Lime Zaim 510 €18,377.00 57 13.5 13.0 52 13.2 13.0 16    
  Kredo 1288 €15,013.00 31 14.5 13.9 65 13.2 12.7 56 5 €160.00
  ExpressCredit 3 €154.00 99 12.8 12.0 80 13.2 12.0 115 7 €184.00
  Lendo 1404 €14,936.00 35 14.4 14.0 46 13.1 12.3 76 3 €55.00
  Cashwagon Vietnam 353 €5,857.00 34 13.5 13.0 59 13.1 12.5 51 43 €2,809.00
  Getbucks 13 €56.00 39 13.0 12.0 95 13.0 12.0 95 26 €125.00
  Zenka Finance 1 €13.00 6 13.0 10.5 253 13.0 10.5 252    
  Creamfinance 1 €18.00 30 13.0 12.5 53 13.0 12.5 53 2 €6.00
  GetBucks 5 €53.00 22 8.8 11.4 -254 12.9 12.0 88 9 €39.00
  Credius 1 €4.00 37 12.9 12.0 89 12.9 12.0 88 3 €80.00
  IuteCredit 1512 €26,858.00 149 12.5 11.7 81 12.8 12.0 81 844 €10,681.00
  Tigo 606 €8,148.00 29 13.8 13.3 46 12.4 11.9 50 17 €896.00
  Alexcredit 2 €289.00 13 12.2 12.0 20 12.2 12.0 19 1 €125.00
  Creamfinance Spain 10 €2,141.00 20 11.9 10.0 195 11.9 10.0 195 6 €1,063.00
  Simbo 3024 €40,303.00 25 13.0 12.6 39 11.9 11.6 32 7 €1,256.00
  Akulaku 4 €136.00 67 11.7 11.0 67 11.7 11.0 67 56 €1,846.00
  ID Finance 1335 €23,513.00 94 12.0 11.2 72 11.6 10.9 74 333 €7,159.00
  Tengo 3874 €52,189.00 38 14.8 14.2 60 11.6 11.1 51 95 €9,670.00
  Kuki 10547 €165,167.00 32 13.7 13.0 69 11.6 11.2 34 96 €19,345.00
  Cashwagon 6496 €86,112.00 45 14.5 13.9 64 11.6 11.4 25 122 €9,618.00
  Metrokredit 8658 €102,569.00 29 14.7 14.1 64 11.4 10.8 64 75 €6,970.00
  Moneyman 21 €2,202.00 26 11.3 10.9 41 11.3 10.9 41 8 €348.00
  E Cash 1 €19.00 5 11.3 9.0 231 11.3 9.0 230 1 €27.00
  Sebo 1024 €23,615.00 27 12.4 11.8 58 11.1 10.5 57 12 €388.00
  Banknote 1404 €22,443.00 114 11.0 10.4 67 10.9 10.2 65 156 €2,472.00
  Bino 5051 €81,739.00 25 13.1 12.8 25 10.8 10.8 4 31 €4,464.00
  Aasa 299 €3,326.00 183 10.6 10.0 63 10.6 10.0 61 46 €725.00
  Mogo 200 €6,336.00 105 10.7 10.0 61 10.6 10.0 62 101 €2,302.00
  EcoFinance 3 €289.00 32 10.3 10.0 32 10.3 10.0 31 4 €229.00
  Rapicredit 7 €300.00 24 10.1 11.7 -159 10.1 11.7 -158    
  Mozipo Group 7 €316.00 80 12.6 11.9 70 10.0 9.3 73 3 €150.00
  Peachy 9 €641.00 15 9.9 9.4 43 9.9 9.4 43 7 €160.00
  Placet 3 €33.00 15 9.8 9.0 87 9.8 9.0 87 7 €135.00
  Creditstar 8 €644.00 71 10.4 9.8 64 9.5 8.9 59 54 €10,552.00
  Dineo Credito 10 €236.00 18 9.3 8.9 35 9.3 8.9 35 5 €105.00
  Watu Credit 2 €53.00 15 9.2 9.6 -38 7.6 7.0 60 11 €389.00
  Mogo Renti 11 €244.00 42 7.4 8.0 -61 7.4 8.0 -60 5 €129.00
  Credissimo 3 €75.00 14 7.2 6.8 41 7.2 6.8 40 3 €68.00
  AgroCredit 7 €28.00 33 6.6 6.3 33 6.6 6.3 33    
  Aforti 1 €35.00 22 11.2 12.0 -79          
  Kredit Pintar 177 €1,770.00 47 12.0 12.0 -1       24 €854.00
  EBV Finance 420 €11,009.00 50 10.7 10.0 69          
  CashCredit 3 €40.00 83 11.7 11.2 52       7 €122.00
  VIZIA 8 €208.00 102 11.2 10.5 68       4 €111.00
  Leaselink 2 €90.00 155 10.4 10.0 36          

XIRR Difference Structure (%) on finished loans (>10 loans)

SMI Originator < -300 <-100 <-50 <-15 -15,15 >15 >50 >100 >300 > -15 WIR wXIRR TwD cnt
  Dinero 26 12 6 4 8 7 21 13 2 52 13.6 3723834097.1 372383408351 9932
  Varks 3 10 12 6 11 11 36 8 0 68 12.6 6776029.1 677601648 16310
  Monego 3 4 4 4 5 13 54 11 0 85 14.2 16.4 218 3755
  Tengo 4 6 6 4 3 7 61 9 1 81 14.2 14.8 60 3874
  Metrokredit 9 7 3 3 4 10 51 10 1 78 14.1 14.7 64 8658
  Kredo 1 2 2 3 5 14 64 8 0 92 13.9 14.5 65 1288
  Cashwagon 3 3 4 3 4 11 58 14 0 87 13.9 14.5 64 6496
  Capital Service 0 0 1 0 0 0 49 43 0 99 13.4 14.4 103 342
  Lendo 0 2 5 7 4 22 56 1 0 86 14.0 14.4 46 1404
  Tigo 2 4 7 5 9 17 50 4 0 82 13.3 13.8 46 606
  ExpressCredit Zambia 2 13 2 1 4 11 54 12 0 81 13.3 13.8 58 772
  Kuki 4 6 3 3 4 16 39 22 2 83 13.0 13.7 69 10547
  Lime Zaim 2 1 4 2 6 18 58 7 1 91 13.0 13.5 52 510
  Cashwagon Vietnam 1 4 1 3 4 18 53 14 3 92 13.0 13.5 59 353
  Dineria 2 22 4 2 2 9 24 29 5 71 12.7 13.4 70 55
  Bino 6 9 5 6 5 13 46 7 1 74 12.8 13.1 25 5051
  Simbo 6 10 5 6 6 13 32 20 2 73 12.6 13.0 39 3024
  Getbucks 0 0 0 0 0 0 69 31 0 100 12.0 13.0 95 13
  Dozarplati 9 9 3 5 4 14 38 15 1 73 12.3 12.7 33 2140
  IuteCredit 0 0 0 0 0 1 95 3 0 100 11.7 12.5 81 1512
  Sebo 2 2 2 3 6 16 65 3 0 90 11.8 12.4 58 1024
  Kredit Pintar 0 0 3 23 8 54 12 0 0 75 12.0 12.0 -1 177
  ID Finance 0 0 1 1 1 17 77 1 1 98 11.2 12.0 72 1335
  Moneyman 0 0 0 0 5 57 38 0 0 100 10.9 11.3 41 21
  Banknote 0 0 0 0 1 11 75 10 2 99 10.4 11.0 67 1404
  Mogo 0 2 2 0 1 6 79 12 0 97 10.0 10.7 61 200
  EBV Finance 0 0 0 0 0 2 98 0 0 100 10.0 10.7 69 420
  Aasa 0 0 0 0 0 0 95 3 1 100 10.0 10.6 63 299
  Mogo Renti 0 27 55 9 0 0 0 0 0 0 8.0 7.4 -61 11

Primary market - loan availability (EUR, BBG, Current) by lender

Currency Originator Loan Type Term Group For Inv. IR
EUR Dinero Short-Term Loan 3 655109 12
EUR Kuki Short-Term Loan 3 118123 12
EUR Kredo Short-Term Loan 3 19971 12
EUR Tengo Short-Term Loan 3 11642 12
EUR Kredo Personal Loan 3 2581 12
EUR Monego Personal Loan 3 361 12
EUR Kredo Personal Loan 6 4394 12
EUR Dozarplati Personal Loan 6 3661 12
EUR Monego Personal Loan 6 1782 12
EUR Kredo Personal Loan 12 16552 12
EUR ExpressCredit Personal Loan 12 6787 12
EUR Monego Personal Loan 12 6348 12
EUR IuteCredit Personal Loan 24 433040 12
EUR Kredo Personal Loan 24 22952 12
EUR ExpressCredit Personal Loan 24 21158 12
EUR Monego Personal Loan 24 2738 12
EUR Kredit Pintar Personal Loan 6 5635 11.6
EUR Kredit Pintar Personal Loan 12 56 11.6
EUR Capital Service Personal Loan 24 122237 11.6
EUR Capital Service Personal Loan 48 125208 11.6
EUR Cashwagon Short-Term Loan 3 798078 11.5
EUR Cashwagon Vietnam Short-Term Loan 3 326651 11.5
EUR Metrokredit Short-Term Loan 3 279322 11.5
EUR Kredit Pintar Personal Loan 3 167481 11.5
EUR Alexcredit Short-Term Loan 3 62584 11.5
EUR Tigo Personal Loan 3 4116 11.5
EUR Monego Short-Term Loan 3 3847 11.5
EUR Zenka Finance Short-Term Loan 3 1316 11.5
EUR Tigo Personal Loan 6 17095 11.5
EUR Tigo Personal Loan 12 32832 11.5
EUR Tigo Personal Loan 24 32032 11.5
EUR ExpressCredit Personal Loan 48 22502 11.5
EUR Dineria Short-Term Loan 3 262364 11
EUR E Cash Short-Term Loan 3 143047 11
EUR Tigo Short-Term Loan 3 17833 11
EUR Sebo Personal Loan 3 7772 11
EUR ExpressCredit Zambia Short-Term Loan 3 3884 11
EUR Varks Short-Term Loan 3 1900 11
EUR Peachy Personal Loan 6 77933 11
EUR Sebo Personal Loan 6 21779 11
EUR Sebo Personal Loan 12 135341 11
EUR Peachy Personal Loan 12 9173 11
EUR Sebo Personal Loan 24 52700 11
EUR Mozipo Group Personal Loan 48 30697 11
EUR Creditstar Personal Loan 48 8275 11
EUR Sebo Personal Loan 48 6987 11
EUR Bino Short-Term Loan 3 295312 10.5
EUR Sebo Short-Term Loan 3 53744 10.5
EUR ExpressCredit Zambia Personal Loan 3 5801 10.5
EUR ExpressCredit Zambia Personal Loan 6 278 10.5
EUR ExpressCredit Zambia Personal Loan 12 6420 10.5
EUR ExpressCredit Zambia Personal Loan 24 26018 10.5
EUR ExpressCredit Zambia Personal Loan 48 38898 10.5
EUR Getbucks Personal Loan 48 4334 10.5
EUR GetBucks Personal Loan 48 1266 10.5
EUR Banknote Personal Loan 24 12536 10.3
EUR Banknote Personal Loan 48 9122 10.3
EUR Creditstar Short-Term Loan 3 562366 10
EUR SOS Credit Short-Term Loan 3 142685 10
EUR ID Finance Short-Term Loan 3 84467 10
EUR ID Finance Personal Loan 3 67813 10
EUR EcoFinance Personal Loan 3 58090 10
EUR Novaloans Personal Loan 6 47440 10
EUR ID Finance Personal Loan 6 16394 10
EUR IuteCredit Car Loan 24 648 10
EUR Mogo Car Loan 48 165608 10
EUR IuteCredit Car Loan 48 32532 10
EUR VIZIA Personal Loan 48 24046 10
EUR VIZIA Personal Loan 24 6671 9.8
EUR Creamfinance Spain Short-Term Loan 3 61984 9.7
EUR Creamfinance Poland Short-Term Loan 3 7141 9.7
EUR CashCredit Personal Loan 12 112879 9.6
EUR CashCredit Personal Loan 24 217628 9.6
EUR Lendo Short-Term Loan 3 166829 9.5
EUR Lendo Personal Loan 3 13617 9.5
EUR Creditstar Personal Loan 3 9548 9.5
EUR IuteCredit Personal Loan 6 16920 9.5
EUR Lendo Personal Loan 6 5331 9.5
EUR Creditstar Personal Loan 6 3598 9.5
EUR IuteCredit Personal Loan 12 392884 9.5
EUR ID Finance Personal Loan 12 189648 9.5
EUR Mogo Belarus Car Loan 12 104776 9.5
EUR Lendo Personal Loan 12 24472 9.5
EUR Creditstar Personal Loan 12 17612 9.5
EUR Banknote Personal Loan 12 14627 9.5
EUR Watu Credit Car Loan 24 640754 9.5
EUR ID Finance Personal Loan 24 312698 9.5
EUR Mogo Car Loan 24 177999 9.5
EUR Mogo Personal Loan 24 26487 9.5
EUR Mozipo Group Personal Loan 24 23977 9.5
EUR Mogo Belarus Car Loan 24 412 9.5
EUR ID Finance Personal Loan 48 1465169 9.5
EUR Mogo Personal Loan 48 340835 9.5
EUR IuteCredit Personal Loan 48 120856 9.5
EUR ITF Group Personal Loan 3 328 9.4
EUR ITF Group Personal Loan 6 6953 9.4
EUR ITF Group Personal Loan 12 11435 9.4
EUR Peachy Personal Loan 3 12905 9.1
EUR Kviku Personal Loan 3 1279 9.1
EUR Kviku Personal Loan 6 89209 9.1
EUR Kviku Personal Loan 12 11390 9.1
EUR Moneyman Short-Term Loan 3 316872 9
EUR Mogo Car Loan 12 1179029 9
EUR Watu Credit Car Loan 12 328205 9
EUR VIZIA Personal Loan 12 2472 9
EUR Mogo Personal Loan 12 824 9
EUR Placet Personal Loan 48 78304 9
EUR Banknote Personal Loan 6 8878 8.8
EUR StikCredit Personal Loan 6 4594 8.8
EUR StikCredit Personal Loan 12 17085 8.8
EUR StikCredit Personal Loan 24 6310 8.8
EUR CashCredit Personal Loan 6 40 8.6
EUR Mogo Car Loan 3 106735 8.5
EUR Mogo Renti Car Loan 3 72464 8.5
EUR Mogo Car Loan 6 210835 8.5
EUR Mogo Renti Car Loan 6 76734 8.5
EUR ESTO Personal Loan 6 14899 8.5
EUR VIZIA Personal Loan 6 275 8.5
EUR ESTO Personal Loan 12 19167 8.5
EUR ESTO Personal Loan 24 118518 8.5
EUR Credius Personal Loan 24 52541 8.5
EUR ESTO Personal Loan 48 95662 8.5
EUR Akulaku Personal Loan 3 276695 8
EUR Akulaku Short-Term Loan 3 58069 8
EUR Banknote Pawnbroking Loan 3 18533 8
EUR Banknote Personal Loan 3 12599 8
EUR Everest Finanse Personal Loan 3 3000 8
EUR ITF Group Short-Term Loan 3 1700 8
EUR Akulaku Personal Loan 6 454517 8
EUR Everest Finanse Personal Loan 6 248581 8
EUR Banknote Pawnbroking Loan 6 2650 8
EUR Mozipo Group Personal Loan 6 1111 8
EUR Everest Finanse Personal Loan 12 1374237 8
EUR Akulaku Personal Loan 12 510566 8
EUR Credius Personal Loan 12 23630 8
EUR Placet Personal Loan 12 3732 8
EUR Banknote Pawnbroking Loan 12 1764 8
EUR Mozipo Group Personal Loan 12 545 8
EUR Everest Finanse Personal Loan 24 856311 8
EUR Placet Personal Loan 24 15888 8
EUR Mikro Kapital Business Loan 24 7238 8
EUR Banknote Pawnbroking Loan 24 1757 8
EUR Mikro Kapital Business Loan 48 9280 8
EUR Mikro Kapital Agricultural Loan 48 2600 8
EUR StikCredit Personal Loan 3 3233 7.8
EUR Mozipo Group Personal Loan 3 811 7.6
EUR Dineo Credito Short-Term Loan 3 100075 7.5
EUR BB Finance Group Personal Loan 3 14162 7.5
EUR ESTO Personal Loan 3 14043 7.5
EUR Credissimo Personal Loan 6 9363 7.5
EUR Credissimo Personal Loan 12 9808 7.5
EUR Placet Personal Loan 6 4205 7.4
EUR Placet Personal Loan 3 400 7.2
EUR Akulaku Personal Loan 24 49777 7
EUR Hipocredit Mortgage Loan 48 15522 7
EUR Credissimo Personal Loan 3 9122 5.5

Primary market - loan availability (EUR, BBG, Current) by rating

Loan Type Mintos Rating IR For Investment Loans LOs# LOs
Short-Term Loan B 12 €779,413.99 4295 3 Dinero,Kuki,Tengo
Short-Term Loan B 11.5 €2,978,008.97 22318 4 Alexcredit,Cashwagon,Cashwagon Vietnam,Dinero
Short-Term Loan B 11 €268,147.51 2133 3 Dineria,ExpressCredit Zambia,Varks
Short-Term Loan B 10.5 €349,056.61 1277 2 Bino,Sebo
Short-Term Loan B 10 €656,640.17 1936 3 Creditstar,Dineria,ID Finance
Short-Term Loan B 9.7 €69,124.39 197 2 Creamfinance Poland,Creamfinance Spain
Short-Term Loan B 9.5 €698,029.34 2163 2 Creditstar,ID Finance
Short-Term Loan B 9 €465,805.31 2348 3 Creamfinance Poland,Creditstar,Moneyman
Short-Term Loan B 8.8 €12,760.63 60 1 Varks
Short-Term Loan B 8.5 €39,854.10 117 1 Creditstar
Short-Term Loan B 8 €26,904.99 456 2 Akulaku,ITF Group
Short-Term Loan B 7.5 €100,074.73 388 1 Dineo Credito
Short-Term Loan B 7 €936,712.74 9967 2 Akulaku,Dineo Credito
Short-Term Loan C 12 €9,440.81 119 1 Kredo
Short-Term Loan C 11.5 €443,185.02 3278 4 Kredo,Metrokredit,Monego,Zenka Finance
Short-Term Loan C 11 €169,262.44 1872 3 E Cash,Tigo,Zenka Finance
Short-Term Loan C 10 €142,685.09 1269 1 SOS Credit
Short-Term Loan C 9.5 €166,828.63 1939 1 Lendo
Short-Term Loan C 8.9 €276.18 2 1 Metrokredit
Personal Loan A 10.8 €25,756.93 11 1 Banknote
Personal Loan A 10.5 €54,260.65 57 1 Banknote
Personal Loan A 10.3 €10,593.84 24 2 Banknote,VIZIA
Personal Loan A 10 €35,844.19 50 2 Banknote,VIZIA
Personal Loan A 9.8 €11,188.30 19 1 VIZIA
Personal Loan A 9.5 €424,227.33 290 3 Banknote,Mogo,VIZIA
Personal Loan A 9.2 €4,105.57 6 1 VIZIA
Personal Loan A 9 €9,865.47 36 3 Mogo,Placet,VIZIA
Personal Loan A 8.8 €12,076.99 36 1 Banknote
Personal Loan A 8.7 €664.25 2 1 VIZIA
Personal Loan A 8.5 €4,041.37 19 1 VIZIA
Personal Loan A 8 €2,505,988.85 7724 3 Banknote,Everest Finanse,Placet
Personal Loan A 7.5 €18,884.85 193 4 Banknote,BB Finance Group,Credissimo,Placet
Personal Loan A 7.4 €6,284.92 26 1 Placet
Personal Loan A 7.2 €16,655.70 86 1 Placet
Personal Loan A 7 €141,242.73 326 3 BB Finance Group,Credissimo,Placet
Personal Loan A 6.5 €15,887.10 57 2 Credissimo,Placet
Personal Loan A 5.5 €14,308.46 65 1 Credissimo
Personal Loan B 12 €30,625.48 72 4 Dozarplati,ExpressCredit,Getbucks,IuteCredit
Personal Loan B 11.6 €290,114.46 326 2 Capital Service,Kredit Pintar
Personal Loan B 11.5 €703,416.56 1861 2 ExpressCredit,Kredit Pintar
Personal Loan B 11.2 €2,808.57 5 1 Mozipo Group
Personal Loan B 11 €862,941.53 2357 8 Creditstar,ExpressCredit,Getbucks,GetBucks,Kredit Pintar,Mozipo Group,Peachy,Sebo
Personal Loan B 10.5 €510,543.11 614 5 ExpressCredit,ExpressCredit Zambia,Getbucks,GetBucks,Sebo
Personal Loan B 10.49 €1,553.10 3 1 Getbucks
Personal Loan B 10 €189,015.17 782 4 EcoFinance,ExpressCredit,ID Finance,Novaloans
Personal Loan B 9.6 €326,969.69 445 1 CashCredit
Personal Loan B 9.5 €3,159,785.53 3982 5 Creditstar,ID Finance,IuteCredit,Mozipo Group,Sebo
Personal Loan B 9.4 €58,966.46 133 2 ExpressCredit Zambia,ITF Group
Personal Loan B 9.1 €256,918.37 1194 4 CashCredit,ExpressCredit Zambia,Kviku,Peachy
Personal Loan B 9 €948,159.57 653 4 Creditstar,ID Finance,Mozipo Group,Placet
Personal Loan B 8.8 €26,655.27 75 1 StikCredit
Personal Loan B 8.6 €3,576.30 31 1 CashCredit
Personal Loan B 8.5 €296,076.43 549 3 Creditstar,Credius,ESTO
Personal Loan B 8 €1,161,428.17 17836 6 Akulaku,Credius,ESTO,Mozipo Group,Placet,StikCredit
Personal Loan B 7.8 €12,277.47 30 1 StikCredit
Personal Loan B 7.6 €3,929.36 11 1 Mozipo Group
Personal Loan B 7.5 €109,795.73 458 1 ESTO
Personal Loan B 7.4 €23,315.84 68 1 Credius
Personal Loan B 7.1 €14,576.70 21 1 Mozipo Group
Personal Loan B 7 €4,947,728.27 90251 1 Akulaku
Personal Loan C 12 €57,604.54 198 2 Kredo,Monego
Personal Loan C 11.5 €84,869.88 364 2 Kredo,Tigo
Personal Loan C 11 €68,018.79 255 1 Tigo
Personal Loan C 9.5 €43,420.53 679 1 Lendo
Car Loan A 10 €380,008.23 131 1 Mogo
Car Loan A 9.5 €625,713.11 205 2 Mogo,Mogo Belarus
Car Loan A 9 €1,591,981.20 712 2 Mogo,Mogo Belarus
Car Loan A 8.5 €475,730.56 164 2 Mogo,Mogo Renti
Car Loan A 7.5 €16,952.14 5 1 Mogo
Car Loan B 10 €335,386.92 86 1 IuteCredit
Car Loan B 9.5 €625,345.01 830 1 Watu Credit
Car Loan B 9 €622,020.21 1027 1 Watu Credit
Car Loan B 8.5 €545,321.77 726 1 Watu Credit
Car Loan B 7.5 €45,664.24 48 1 Watu Credit