Highest IRR Model: LazyMan 5.07%
Largest IRR Model Improvement: leporello by going from (3.10%) to 0.18% he improved 3.28%.
Lowest IRR Model: Pensioner (9.81%) Ouch!
Largest IRR Model Degradation: Pensioner by going from 0.97% to (9.81%) he degraded (10.5%).
Highest IRR Best: pensioner 26.24%
Largest IRR Best Improvement: Retireme99 by going from 15.66% to 16.35% he improved 0.69%.
Lowest IRR Best: RateLadder 14.04%
Largest IRR Best Degradation: none. Everyone improved.
The “game” is tracking portfolio IRR through time. We will be tracking both a best and worst case value. The best case assumes the entire account value will be received at the time of the update. The model case assumes that all loans 1 month or more late will be wroth zero.
Here is the “Game” definition: Prosper Lender IRR “Game”
Here is the a sample spreadsheet: Prosper IRR Spreadsheet.
The “Game”’s tracking page is at Prosper.com IRR Lender “Game” Tracking Page
- Analyzing My Late Loans Here is a quick Prosper portfolio update... Total Account Value: $8,715.32 Cash Invested: $7,692.69 Active Loans: 144 Avg Loan Age Active Loans: 172 Days Avg Rate: 18.52% Avg Credit Grade: B+ Estimated ROI according to EricCC: 10.34% Estimated ROI according to LendingStats: 4.03% Conservative Estimated IRR according to RateLadder: 2.75%......
- Small Loans Less Risk, Large Loans More Risk I have heard conjecture that large loans are riskier since they have a larger payment... While this seems intuitive I thought I would try to show it visually. To start with I ran a quick pivot with 2 different loan buckets. Loans with payments from $0-$499 and loans with payments $500+. This......
- Prosper IRR Lender “Game” July 07 Update It is time for the July 2007 update of the IRR Lender “Game.” This is going to be more about accomplishments during the last month rather than pure calculations. The actual numbers are at Prosper.com IRR Lender “Game” Tracking Page So without further ado: Highest IRR Model: leporello 2.61% Largest IRR......
- Vintage Curve Update -- 06/12/2008 Brief Explanation: These curves show the entire set of prosper loan broken down by credit grade and lined up along the x axis on their origination date... As a loan goes late (1 month or worse) it is counted (either by amount or by count) as late against the population... ......
- Prosper API Now Has ListingKey On Loan Table A nugget that I missed from the Mid August Prosper Upgrade is that the loan and listing objects in the API are now tied together with a Prosper provided listing key on the loan object. While I had achieved 99.8% loan to listing matching, I was still missing a few. Leporello......
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