{"id":64843,"date":"2021-06-28T14:18:03","date_gmt":"2021-06-28T11:18:03","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=64843"},"modified":"2021-06-28T14:18:03","modified_gmt":"2021-06-28T11:18:03","slug":"2021-return-rates-zoom-past-targets","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/2021-return-rates-zoom-past-targets\/","title":{"rendered":"2021 Return Rates Zoom Past Targets"},"content":{"rendered":"\n

Investment returns on Bondora originations showed signs of positive growth in May. The return rate for 2021 was higher this month than in April<\/a>. This is a great sign for investors as we move into the summer months.<\/p>\n\n\n\n

\"2021
2021 return rates zoom past targets.<\/em><\/figcaption><\/figure><\/div>\n\n\n\n

As always, country-specific performance charts are broken down by the number of loan issuances over the given period, with Orange representing < 50 loans, Blue 51-200, and White > 200.<\/em><\/p>\n\n\n\n

Yearly return rate performance<\/h2>\n\n\n\n

The yearly return rate for 2021 came in at 16.4%. This is 1.3% higher than in April. This growth spurt was led by Estonian originations, which returned 18.1% compared to 16.7% last month. Finnish returns also increased, totaling 7.7% compared to the lower 6.7% in April.<\/p>\n\n\n\n

Meanwhile, even though the 2020 return rate fell, it still came in at 17.2%, which is 4.8% higher than its target rate. Estonian originations proved to be the strongest here and fell only 0.1% to 21.0% in total.<\/p>\n\n\n\n

\"Yearly
Yearly performance – May 2021<\/em><\/figcaption><\/figure><\/div>\n\n\n\n

Quarterly return rate performance<\/h2>\n\n\n\n

The last two quarters showed a boost in returns for investors. 2021 Q1 returns came in at 16.4% compared to 15.1% last month, while 2020 Q4 returns totaled 21.1% in May, up 0.1% from the month prior. Still, all quarterly return rates for 2020 remain above their target rates.<\/p>\n\n\n\n

\"Quarterly
Quarterly performance – May 2021<\/em><\/figcaption><\/figure><\/div>\n\n\n\n

Finland<\/h3>\n\n\n\n

The most recent quarter\u2019s D-rated originations saw their returns jump above their target rate, ending the month at 7.7%, a full 1.0% month-over-month gain. For 2020 Q4, both C-rated (7.7%) and D-rated (8.3%) originations were higher than last month as well.<\/p>\n\n\n\n

\"Finland
Finland portfolio performance – May 2021<\/em><\/figcaption><\/figure><\/div>\n\n\n\n

Estonia<\/h3>\n\n\n\n

All 5 rating categories of Estonian originations in 2021 Q1 were not only higher than their target rate but grew month-over-month compared to April:<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

2020 Q4 returns were also quite positive, with B- and C-rated loans higher on the month.<\/p>\n\n\n\n

\"Estonia
Estonia portfolio performance – May 2021<\/em><\/figcaption><\/figure><\/div>\n\n\n\n

Spain<\/h3>\n\n\n\n

For 2020 Q1 \u2014 the most recent quarter where Spanish loans were originated \u2014 return rates predictably fell by about 1% across all five rating categories. However, both F- and HR-rated originations still returned higher than their target rate, coming in at 18.1% and 23.5%, respectively. The same trend can be seen in the previous few quarters. One thing that stands out is that D-rated originations from 2019 Q3 turned in a negative return rate, at -0.5% in May.<\/p>\n\n\n\n

\"Spain
Spain<\/em> portfolio performance – May 2021<\/em><\/figcaption><\/figure><\/div>\n\n\n\n

Key takeaways<\/h2>\n\n\n\n
  • While return rates generally trend downward over time, May ended with a return rate 1.3% higher than in April<\/li>
  • The two most recent quarters, 2021 Q1 and 2020 Q4 saw an increase in return rates<\/li>
  • Estonian originations led the charge, higher in all five originating categories and up a cumulative 1.4% month-over-month<\/li>
  • Lower-rated Spanish originations (F and HR-Rated) are still returning above their target rates<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"

    Investment returns on Bondora originations showed signs of positive growth in May. The return rate for 2021 was higher this month than in April. This is a great sign for investors as we move into the summer months. As always, country-specific performance charts are broken down by the number of loan issuances over the given […]<\/p>\n","protected":false},"author":11,"featured_media":64844,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[120],"tags":[103,106],"class_list":["post-64843","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stats-and-data","tag-english","tag-marketpricing"],"acf":[],"featured_image":null,"categories_names":["Stats & Data"],"category_name":"Stats & Data","_links":{"self":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/64843","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/comments?post=64843"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/64843\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=64843"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=64843"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=64843"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}