Statistics

Loans historical performance

See how investments in loans on Mintos have performed in the past.
Historical performance calculation The calculation of the annual returns and losses assumes an investment across all loans available on Mintos, weighted by total outstanding investment. This means loans with higher outstanding investment will receive a larger part of the investment, and loans with lower outstanding investment will receive a smaller part of the investment. No bonuses or fees are included in the calculation. This is representative of the overall performance of Mintos, and similar to how a capitalization-weighted index for the stock market works. Depending on your diversification and timing, your results might be different.
 How we calculated

Gross return

Gross return is defined as the total annualized rate of return before the deduction of fees or losses.
2023
11.0%
2022
7.1%
2021
9.7%
2020
10.6%
2019
11.5%
2018
12.1%
2017
12.1%
2016
12.6%
2015
12.0%
Calculations are made on a portfolio weighted by the total outstanding investment of all loans on Mintos. Yearly data is calculated once a year.

Net return

Net investment return is defined as the total annualized gross return, minus the annualized loss rate. Write-offs have been applied to the loans issued by suspended lending companies based on our recovery estimates.
2023
11.0%
2022
-1.4%
2021
6.2%
2020
3.4%
2019
10.9%
2018
12.1%
2017
11.6%
2016
12.6%
2015
12.0%
Calculations are made on the latest recovery estimates and a portfolio weighted by the total outstanding investment of all loans on Mintos. Data is updated on quarterly basis. 2020 was impacted by Covid-19 effect, while 2022 has impact on loss related to Russian-Ukrainian war.
Net return by period
2023
11.0%
1M
0.8%
3M
2.4%
6M
4.8%
1Y
10.4%
2Y
4.3%
3Y
4.9%
5Y
5.8%
2022
-1.4%
2021
6.2%
2020
3.4%
2019
10.9%
2018
12.1%
2017
11.6%
2016
12.6%
2015
12.0%

Annual net loss

Net loss is defined as the amount lost, after taking into account any recoveries. Write-offs have been applied to the loans issued by suspended lending companies based on our recovery estimates.
2023
0.0%
2022
-8.5%
2021
-3.5%
2020
-7.2%
2019
-0.6%
2018
0.0%
2017
-0.5%
2016
0.0%
2015
0.0%
Calculations are made on the latest recovery estimates and a portfolio weighted by the total outstanding investment of all loans on Mintos. Data is updated on quarterly basis.

How Mintos stacks up against other asset classes

Investment growth
Growth of a €100 investment on Mintos in 2015, compared to a bank deposit made in the eurozone and other investment asset classes. The chart shows the investment value at the start of each period.
Mintos (loans)
Equity
Real estate
Investment-grade bonds
High-yield bonds
Deposits
Annualized return ranking
Ranking of annualized returns on Mintos, compared to a bank deposit made in the eurozone and other investment asset classes.
Asset class
2019
2020
2021
2022
2023
5-years annualized
(2019-2023)
Mintos (loans)
10.9%
3.4%
6.2%
-1.4%
11.0%
5.9%
Equity
25.2%
14.1%
20.1%
-19.7%
21.6%
10.9%
Real estate
24.0%
-4.2%
29.6%
-24.5%
20.0%
5.2%
Investment-grade bonds
6.4%
2.8%
-1.0%
-13.6%
8.2%
0.3%
High-yield bonds
7.1%
7.0%
1.0%
-12.7%
14.0%
2.9%
Deposits
-0.5%
-0.6%
-0.7%
-0.1%
2.6%
0.1%
Source: MSCI World Index, Bloomberg Barclays Global High Yield Total Return Index, MSCI World Real Estate Index, iShares Euro Investment Grade Corporate Bond Index Fund, JPM Eur Money Market VNAV Eur, Mintos Net Returns
Important information
Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All investments involve risk and may result in significant losses. Read more about the risks of investing on Mintos , or take a look at our loan book as a download.

More statistics

Loan statistics

View statistics on loans funded, loans outstanding, loan performance, and more.

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