Dear EvenFi investor community,
We share once again our statistics and highlights for the fourth quarter of 2022:
Portfolio Highlight:
- Average net return of all loans since April 2020 is estimated to be close to 3.28% (3.57% if invested in all loans of 2020, -0.4% of 2021, and 5.30% of 2022)
- Weighted average net return of all loans of the portfolio since April 2020 is estimated to be close to 2.68% (1.14% of 2020 loans, 0.86% of 2021, and 4.87% of 2022)
- Projected return based on all monthly flows of portfolio (- investments, + interest + repayments) since launch is estimated to be close to 1.66% (-4.80% if invested in all loans of 2020, 0.41% of 2021, and 5.84% of 2022)
- This calculations are net of losses due to problematic loans: assume that performing loans will continue paying as scheduled and that late / problematic / recovery loans will pay less that what is owed. Depending on the problem of each project we assign different losses assumptions for each loan. Please see notes below the table for more information
- These statistics are indicative only, do not reflect the return of each investor (depends on each the investor's portfolio) and may be subject to unwanted errors. For more accurate portfolio return figures we suggest investors to make their own calculations. All payout information for all projects is public and available to all registered users of the platform
- Please remember that past performance are no guarantee of future results
- Do you have any comments, feedback, or questions of the stats? Send them Here
Once again, its important to highlight and insist on:
(*) Average / weighted average internal rate of return of all loans (net of losses) originated on each year assuming performing loans are repaid as per repayment schedule. Recovery and delayed loans are valued at a discounted price based on EvenFi's internal methodology.
(**) Loans (and amounts of those loans) originated on each year that have payment delays of more than 90 days or payment delay of more than 30 days and are problematic. If a Company has 2 loans late it counts as one loan for this line.
(***) Projected return based on all monthly flows of portfolio (- investments, + interest + repayments) assuming that performing loans continue paying as scheduled. Flows of late loans are adjusted based on EvenFi's internal methodology.
EvenFi’s internal methodology: Current loans are valued at 100%. Current loans with past problems / remodulated 80-100%. +30 days loans with problems at 60 to 80%. +90 days delayed loans at 30% to 70%. Defaulted / liquidation loans are valued between 0 and 30%. The exact valuation depends on the situation of the Company and if the project has a guarantee but we cant share it because this will jeopardize the recovery efforts of our portfolio.
Raised Capital in the Platform
*The statistics will be updated in a quarterly basis.
This information is updated until December 2022
These statistics are indicative only, do not reflect the return of each investor (depends on each the investor's portfolio) and may be subject to unwanted errors. For more accurate portfolio return figures we suggest investors to make their own calculations. All payout information for all projects is public and available to all registered users of the platform.