What P2P lending paid in 2018
Every year we calculate the net return of the portfolios tracked in P2P Dash, per platform. Not advertised rates, not platform averages, just the money that actually arrived in 1,745 real portfolios.
Median net return across all platforms
11.1%
2017: 11.3%
- Middle 50% of portfolios
- 9.7% – 12.8%
- Platforms with enough data
- 6
- Portfolios measured
- 83
What P2P lending returned, year by year
Median net return (XIRR) per calendar year across all portfolios tracked on P2P Dash, platforms combined.
10.6%
2015
11.8%
2016
11.3%
2017
11.1%
2018
11.2%
2019
9.5%
2020
9.1%
2021
8.0%
2022
9.9%
2023
10.4%
2024
12.3%
2025
12.0%
2026
Years with too few tracked portfolios are left out. 2026 is still running.
Returns by platform in 2018
Median net return (XIRR) of the portfolios our users track on each platform, after defaults and fees. The range next to it is where the middle half of those portfolios landed.
- 1
SwaperPortfolios: 1313.2%Middle 50%: 11.4% – 15.4% - 2
MintosPortfolios: 6812.0%Middle 50%: 11.0% – 13.6% - 3
RobocashPortfolios: 1011.3%Middle 50%: 10.6% – 11.7% - 4
PeerberryPortfolios: 1410.8%Middle 50%: 10.6% – 11.1% - 5
TwinoPortfolios: 2110.4%Middle 50%: 9.8% – 11.3% - 6
EstateguruPortfolios: 105.8%Middle 50%: 4.3% – 8.7%
Biggest improvement
Platforms that gained the most against their own 2017 figure, in percentage points of return.
- 1 MintosPortfolios: 68+0.2%Median return: 12.0%
Biggest decline
Platforms that lost the most against their own 2017 figure.
- 1 TwinoPortfolios: 21-0.3%Median return: 10.4%
How these numbers are made
- Every figure is an XIRR calculated from transaction data imported by P2P Dash users: the return the money actually earned, after defaults and fees, not the rate a platform advertises.
- A platform is listed for a year once at least 10 tracked portfolios cover it. The privacy pipeline suppresses smaller cohorts before we ever see them; this floor sits on top of that, because a median over a handful of portfolios is not worth citing.
- The median is the middle portfolio, not an average, so one outsized portfolio cannot pull it. The range next to it shows where the middle half landed, which says more about a platform than the median alone.
- These are our users' returns, not a platform's total book. They describe a sample of engaged retail investors, which is exactly the number platforms never publish about themselves.
- Past years are not frozen. When somebody imports years of history, a closed year gains portfolios and its median can still move. Every page is rebuilt nightly; what you see is the state of the data on July 29, 2026.
These figures are free to reuse under CC BY 4.0. Please credit P2P Dash and link back to this page.
Inside P2P Dash
See your own return, not just the median
Import your platform exports and P2P Dash shows your XIRR per platform and per year: the same calculation behind this page, run on your portfolio.