RateLadder IRR/ROI Update Feb 1 2008 — (1.27%) to 15.52% | P2P Lending, Peer to Peer Lending, People to People Lending

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:

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