Quantrom P2P Lending deliver best monthly return for 2020 in December

 

 

 

 

Figure 1 Performance of Note price and Long-Term Return Target

Monthly comments

Interest payments in December 2020 was in absolute terms one of the best, which lead to the highest monthly return of the year.

Current loans represented 75.0% of the value of the portfolio at the end of December slightly lower than in November. At the same time loans 60+ days late remained unchanged.

In December 2020, we did not take any provisions.

The return for the month of December 2020 was 0.66% giving a return of more than 6% for the year 2020.

Since inception, Quantrom P2P Lending has given a return of 33.30% and outperformed the long-term return target by 7.07%-points.

Portfolio

The portfolio at the end of December 2020 consisted of more than 8,300 loans. The weighted average interest rate on the portfolio is 11.53% with an average weighted maturity of 27.8 months.

The main exposure in value is still towards car loans which represent 61% of the value of the portfolio at the end of the month.

Exposure towards property loans is at 23% of the value of the portfolio. At the end of December, personal loans represented 15%, while business loans were 1% of the value of the portfolio.

Figures 2-12 provide more details on the composition of the loan portfolio.

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Quantrom Limited, Limerick

January 2021

About the Author

Gustav Jensen

Gustav is the managing director of Quantrom Limited and is living in near Brussels.

Economist from University of Copenhagen mainly working in finance and banking.