There was a recent discussion on the profitability of investments on Bondora; thus, we have decided to provide a detailed breakdown of the interest amounts paid out to Investors across all our markets. The information is covering the period since the inception of the company to September 24, 2015, and includes a) loan origination amount, b) interest paid out to investors to date; c) overdue principal repayment amount (principal repayment that was supposed to be paid out to date, but was not), and d) gross profit made by Investors (which is the difference between the interest paid out and the overdue principal).

The numbers in the tables below should allow investors calculating a non-forward looking profitability as of September 24, 2015. Non-forward looking means that the data does not include a) upcoming interest payments for the duration of the loans; and b) upcoming principal repayments that might not be collected. The non-forward looking principle is used in calculating XIRR (thus, only the actual payments to date are accounted for), which is the most widely used return measure for credit investments.

All Markets

RatingIssued Amount,€Interest
Paid Out,€
Overdue Principal REPAYMENTS,€Gross Profit,€
AA490,75083,4582,35181,107
A1,929,035371,13710,264360,872
B4,688,943839,46760,997778,469
C7,489,6471,373,84578,0011,295,844
D8,190,48414,03,478147,6331,255,844
E5,744,778817,636148,558669,077
F3,878,011661,298143,532517,766
HR9,939,2521,734,014867,839866,175
Unrated1,747,391472,606164,429308,176
TOTAL44,098,2917,756,9391,623,6046,133,330

Estonia

RatingIssued Amount,€Interest
Paid Out,€
Overdue Principal REPAYMENTS,€Gross Profit,€
AA490,75083,4582,35181,107
A1,929,035371,13710,264360,872
B3,675,550710,84948,362662,486
C5,780,2741,173,44950,5481,122,901
D4,240,723992,97180,901912,069
E1,732,710363,80647,499316,307
F1,748,155389,47275,340314,132
HR3,110,040784,996177,368607,628
Unrated1,705,191466,880160,881305,998
TOTAL24,412,4285,337,018653,5144,683,500

Finland

RatingIssued Amount,€Interest
Paid Out,€
Overdue Principal REPAYMENTS,€Gross Profit,€
B974,793127,02011,480115,539
C1,597,933195,08323,513171,569
D3,692,356397,13554,273342,862
E2,465,850310,53049,853260,676
F1,019,842145,36022,253123,107
HR1,996,165310,610184,832125,777
Unrated41,2005,5923,5482,043
TOTAL11,788,1391,491,330349,7521,141,573

Spain

RatingIssued Amount,€Interest
Paid Out,€
Overdue Principal REPAYMENTS,€Gross Profit,€
B38,6001,5971,154443
C111,4405,3123,9391,372
D234,89011,0859,8451,240
E1,500,958138,43347,32791,105
F927,201103,82230,01273,810
HR4,328,393594,082444,078150,004
Unrated1,0001330133
TOTAL7,142,482854,464536,355318,107

Slovakia

RatingIssued Amount,€Interest
Paid Out,€
Overdue Principal REPAYMENTS,€Gross Profit,€
D22,5152,2862,613-327
E45,2604,8653,877987
F182,81322,64215,9266,716
HR504,65444,32461,560-17,235
TOTAL755,24274,11783,976-9,859

40 responses to “Gross profits earned by Investors on Bondora”

  1. I think the most important part here is that Bondora is engaging and discussing with the community, which I think is good and about time.

    Jevgenijs, I think you are doing a great job and please continue to provide the numbers and discuss with the community.

    Regarding the calculation – it’s one way to calculate :). It’s a bit rough and as Bondora has grown its loan volume a lot this year these numbers are showing a more positive picture of the situation than how it’s actually is.

  2. I’m trying to analyse the data from the provided source (here: https://goo.gl/yr7gM5),
    yet, there is one thing difficult to understand:
    For example, if we analyse ‘fully matured’ table and take the data for Estonia, which looks the most successful market, we have ‘Issued Amount’ at about 5 mEUR, and then about 1 mEUR of ‘Interest Paid Out’ – so it makes about 20%, but keeping in mind that average term of the loan is about 4 years, so annually we would have only 5% (not even adjusting by overdue). So how is it possible if average interest rate on loans is more than 20%?

    Maybe Jevgenijs, could explain more about the provided data?

  3. I see. So maybe someone else (if there still is someone out there at Bondora after TrustBuddy events…) could answer the previous question?