I am continuing tracking all of my IRR and ROI calculations in one place.

My Prosper current account value is $11,765.47 across 194 active loans which is an average of $60.65 per loan.

I am tracking annualized IRR for model, average and default (permanent tracking page), quicken ROI, Eric’s CC ROI, and Lending Stats ROI.

Each of these tools uses a different calculation and therefore each has a slightly different meaning and value… As we are still very early into the 3 year loans, it is worth watching all the various values. Since each value behaves differently to lates, default, debt sales, and bankruptcy you need to track the numbers over time to get a better understanding of the market.

While I am watching the predictive ROI and IRR calculations carefully (Eric’s CC, Lending Stats, Model IRR, and Average IRR), at the end of the day the the final value of the Quicken ROI and the Default IRR will be the correct answer.

So without further ado.

Here is the graph:

Here is the data:

Related Posts

• Prosper Delinquent Debt Sale In Progress Yesterday Prosper began a delinquent debt sale.  This happens when loans are 4 months or more late and are sold to delinquent debt buyers... Loans receive different amounts depending on the credit grade and other borrower information.  From my standpoint (observer as I have no loans in the debt sale)......
• Prosper IRR Lender "Game" Prosper IRR is a tricky calculation.  The concept is very simple.  The problem lies in how to treat delinquent and late loans prior to the debt sale.   Before loans are late and after the debt sale treating one's account balance is whole.  While a loan is late the loan's value......
• 2007 RateLadder Goal Review -- Overall A- As my final planned post of 2007 I will be reviewing my goals and giving a grade. Here were my 2007 RateLadder Goals. Expectation Goal Stretch Goal Actual 2007 Year Ending Account Value $4,386.37 $5,062.84 $5,740.86 $11,519.59 Return on Investment (ROI) 10% 12% 14% 10.16% New Reinvestment Loans 24 27......
• Default Debt Sale Effect on my IRR Calculation (+4.16%) My IRR calculation makes several simplifying assumptions.  The most negative assumption is that all loans one month late are worthless.  In the debt sale, I received over 25% of the principal.  My expectation is that my IRR will go up... My August 1st update had an IRR of 0.57% on......
• RateLadder Prosper IRR 12/1/2007 = 1.32% I am going to start reporting on this feature a differently... Here is my permanent tracking page: http://rateladder.com/my-prosper-irr/ This month was a normal month.  No major late debt occurrences (no repurchased loans, no debt sales, no bankruptcies).  Also since my model IRR increased rather significantly I am assuming I had......

Related Websites

• Average eyes (or not) Every tree and plant in the meadow seemed to be dancing, those which average eyes would see as fixed and still. ... Everyone sees the unseen in proportion to the clarity of his heart, and that depends upon how much he has polished it. Whoever has polished it more sees......
• Where Do Small Businesses Go Now? Credit and money are still in really tight places, and this is absolutely no secret. What is unknown in the current economy is what small businesses should do and where they should go now. Many small businesses are finding themselves struggling and even drowning in an attempt to overcome the......
• Loans and the Credit Crunch The credit crunch is a hot button issue right now, raising red flags in the eyes of consumers not only all over the United States, but also elsewhere in the world. When the economy in the United States begins to have difficulties, the rest of the world is going to......
• On Prosper.com I started seeing posts on Prosper.com only recently. It's intriguing. This site brings people who want to borrow money to people who want to lend it. (And takes a little money from both sides to keep the lights on, but hey -- I didn't expect it would be for free!)......
• Baseball Cards Sports Memorabilia -> Autographs, Original -> Baseball-MLB-> Trading Cards Baseball cards have been around for just about as long as the sport has and many of them have turned into very valuable collector items. Whether you are interested in collecting baseball cards from a fan perspective, or you are more......

If you liked this article, vote for it on del.icio.us and stumbleupon.


Categories:

Goals, Prosper.com, Statistics, Strategy, Tools