Vintage Returns Analysis

LC_returns_by_vintage

MonJa, a San Francisco-based p2p investment analytics firm, recently partnered with NSR Invest to analyze the loan book of Lending Club in a new and unique way. We set out to answer two questions: What are the actual returns of Lending Club, on a vintage-by-vintage basis? [1] What is the volatility of cash flows associated Read the full article…

What does the Fed rate hike decision mean for peer-to-peer investors?

Investors have known it’s been coming all year. At nearly every FOMC meeting this year, there existed the imminent possibility of the Federal Reserve hiking the federal funds rate. Well, it’s finally here, but what does it mean for the peer-to-peer lending industry — and more specifically for investment portfolios with a p2p allocation? With Read the full article…

Characteristics of Peer-to-Peer Lending Investments

For financial advisors interested in learning more about peer to peer investments, the following is a quick primer designed to provide the background of this growing alternative asset class. P2P lending is a modern financial transaction that entails individual investors lending money online to individual borrowers. By eliminating the inefficiencies of traditional financial institutions, peer Read the full article…

The Advisor’s First Steps to Getting Started with Peer to Peer Investing

Peer to peer lending offers advisors a number of benefits in building portfolios and meeting client needs. Chief among them are the attractive yields and low correlation they provide to enhance portfolios, particularly in times of dramatic swings that often characterize the broader markets. Additionally, due to the social good that arises from helping consumers Read the full article…

NSR Success at FUSE 2015

Eric Clarke, CEO of Orion Advisor, recently blogged, “something special is about to happen,” and I couldn’t agree more. Eric was speaking specifically about the annual #FuseUtah confab in Park City, but I’m seeing it everywhere: all across fintech we are witnessing new financial technology companies attacking meaningful problems with real results. Within our niche Read the full article…

A Look At Loan Volume for February

issue_by_type

We often see end of the month reports detailing loan volume for Lending Club and Prosper.  At NSR we monitor daily issued loan volume located under the “charts” section. These charts give great insight into the day-to-day operations of both companies and can help shed light on how money is flowing through them during the Read the full article…

More Data for Policy Code 2 & 99 Loans Redacted on Lending Club

Policy Code 2 & 99 loans, recently covered by Lend Academy, are a set of loans that are reserved for institutional investors.  The following data elements were removed recently: Interest Rate Grade Sub Grade The interest rate for these loans are now reported as 0.00%.  This caused some of the functions on NSR to stop Read the full article…