February 2020 – Net Return Performance Update


Understanding the return you’re receiving, compared to the platform average net return and the general health of the full loan book helps you to appreciate our performance in the context of other p2p lending platforms and other forms of investment.


Before we get to the figures some notes on the methodology:

This data is generated from algorithms that look at a set of standard rules to classify payments as interest, capital or recoveries as well as loans as performing, defaulting or bad debt. This is subject to change, so it may not always match our manual changes to loan status or repayments. This helps to keep the data impartial and consistent, unaffected by human bias or expectation.


We treat all the users as one ‘Superuser’ that all transactions from public loans are applied to, we exclude private loans and treat refactored loans as a single loan.


We always try and bring you the strongest loan opportunities, and where loans do not make the cut with our credit risk team, they will not be presented to you. This means from time to time, the number of new lending opportunities on the primary marketplace may be limited. Unlike many other P2P platforms, we do not solely rely on the revenue from loan arrangement fees, allowing us to focus on quality over quantity. In February, we funded no new public loans.

This keeps the total public loans made via rebuildingsociety.com to 262 and total lending to £15,018,520.

Keeping things balanced, we also had no new defaults and no refactors in this month.

The total capital still out on all loan’s totals £2,786,465, only 4.79% of this is currently in default.

During the month, we received £61,741 in capital repayments, £39,890 in interest payments and the net recoveries position was £1,275 recovered.

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This led to an overall profit for the users of £39,491 or an annualised return rate of 17.01%, this is an excellent month in terms of profit when compared with our average.

We keep a rolling 12 month return figure to track profits over the last year, this months performance brings that return up to 6.27%*.

We also track the net return rate for the lifetime of the company, as you can imagine this figure remains fairly consistent and currently sits at 6.40%* net return per year.

This month has contained no new loans or defaults, this means that we have simply had the existing loans paying back the capital and interest giving a great return rate. We currently have no loans that could possibly default next month due to lateness, as such we would expect the March return to be strong and in the double digits.

Please note

This material contains certain data and analysis that has been prepared by rebuildingsociety.com Ltd. The Information is provided is corrected as at the date published or shown on the graphs, and may be subject to updates and revision, and may change materially without notice. Subject to applicable regulations, no person is under any obligation to update or revise the information, our stats page is updated on daily basis.

Past performance is not indicative of future performance. Capital at risk. Find Out More about the risks of lending.

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