The histogram above shows a comparative analysis of Net Returns across all active lenders. It is intended to assist lenders to understand the distribution variance, so lenders may interpret their performance, relative the achievements of others.

Of 1683 lenders who have participated on a loan, 188 (11.2%) have a net return less than 0% pa, i.e. they have taken a loss, whereas 1495 (88.8%) have a net return of 0% pa or above. Of the 1495 positive lenders, 1123 (66.7%) have received 5%* or above, and 650 (38.6%) have 10%* or above, with a lucky 338 (20.1%) who have earned over 15% pa*.

There are various factors that may contribute to a variation between Net Returns, such as the timing of the investment, secondary market trading activity, promotions, compounding repayments and more. Some users who sustain a loss during a period of low capital employment may have a substantially negative Net Return. Past returns are not a guarantee of future earnings, please read more about the risks of P2P lending here. An explanation of the calculation of Net Returns is given here.