Bondora Rating has outperformed expectations?
Important! If you find some mistake in the analysis or logic here, let me know in the comments below so I can deal with it. CONSTRUCTIVE criticism and feedback is welcome and encouraged. Key takeaways...
View ArticleBondora default rates and other statistics
Disclaimer: I ran most of the calculations in one long session so can’t really guarantee that all data is entirely 100% accurate and free of any accidental mistakes with filtering or whatnot. Before...
View ArticleBondora default curves per year and Rating
In the comments of a previous post Jan asked if I’ve done any analyses on the timing of when defaults happen. I did one back in October of 2014, but that could be relatively outdated and there’s a lot...
View ArticleIs Bondora giving away your money?
NB! Bondora has released some additional details in regards to the process. Last updated 26.03.2016 8 AM. Relevant sections have been marked accordingly. Since the information available is far from...
View ArticleHow to decide if the DCA deal is good?
IN SHORT: The percentage of actual 7+ days overdue CASES that end up defaulting, is roughly around 23%. This is the number you actually should be looking at when figuring out the costs. With current...
View ArticleStats according to Bondora
Back in December 2015 I analyzed some 2014 loans (inspired by Bondora’s own similar earlier analysis) and concluded that the Bondora Rating applied on those loans had significantly misjudged the...
View ArticleBondora Rating and portfolio performance – quite terrible?
In short: Bondora has offered subpar returns in 2014, 2015, 2016 and 2017. At the same time, risks have been very high. In several segments the pretax returns are negative. Returns for 2014-2016 are...
View ArticleBondora Stats Crash Course #1: Recovery Rate
Bondora provides a ton of data and statistics for investors. However, this can easily lead to overwhelm and confusion. I will attempt to shed some light and provide helpful clarifications on some of...
View ArticleBondora Stats Crash Course #2: Cash on Cash Returns
Bondora provides a ton of data and statistics for investors. However, this can easily lead to overwhelm and confusion. I will attempt to shed some light and provide helpful clarifications on some of...
View ArticleBondora Portfolio Profitability Revisited
You probably have seen this Bondora portfolio profitability table, if you have visited Bondora’s statistics page. While interesting, this table uses Bondora’s creative way to account for overdue...
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