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Author Topic: Compare ROI - Erics/LS/Prosper/XIRR  (Read 66725 times)

DCS

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Compare ROI - Erics/LS/Prosper/XIRR
« on: November 29, 2010, 07:38:30 pm »

Prosper responded to my e-mail request for an ROI today, so I decided to update my Excel spreadsheet for the first time in a year to get an XIRR to compare.

I thought if a few people post their ROIs from the various sources in the same thread, we might get a good sample of the accuracy of each.  For me, both Prosper and lendstats were close; Erics overestimated by more than 100 basis points.

4.09%, $68.84 in active notes - Excel XIRR (subtracted entire principal value of all lates)
3.98%, 891 day avg age - Prosper
5.14%, 1372 day avg age - ericscc.com
3.88%, 35.8 months - lendstats.com
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xraider

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #1 on: November 29, 2010, 08:31:15 pm »

Haven't done XIRR.

Prosper:  .8%
Lendstats: .77%
erics: 4.07%

My loans are done, unless (hahaha) the crack collection team collects on my defaults.  So, this is pretty conclusive.
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312lender

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #2 on: November 29, 2010, 08:46:22 pm »

Wow xraider -- your returns are embarrassing. Stop pussyfooting around and start making some money like the rest of us.
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God-Father

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #3 on: November 29, 2010, 08:50:30 pm »

Lendstats  ROI: 0.46% (+-0.4%
Erics 3.72%
XIRR 1.5032%
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Beerbud1

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #4 on: November 29, 2010, 08:57:54 pm »

Lendstats ROI -10.36% (+-0.31%)
Ericscc     ROI -7.25%
Xirr          ROI Don't know never did it.
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no-whammies

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #5 on: November 29, 2010, 09:43:00 pm »

SiteReturnAge
ericscc.com
+5.84%
866
XIRR
+4.18%
864
lendstats.com
+4.11%
840
lendingstats.com
-1.10%
92
prosper.com
?
?
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weiszguy

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #6 on: November 29, 2010, 09:44:49 pm »

Lendstats: 8.71%
Ericscc: 8.94%
XIRR: 8.94%  (not a misprint - Erics and XIRR are exactly the same)
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xraider

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #7 on: November 30, 2010, 06:57:45 am »

Wow xraider -- your returns are embarrassing. Stop pussyfooting around and start making some money like the rest of us.

lol 312.  My returns are from Prosper 1.0.

What's your lending name?
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312lender

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #8 on: November 30, 2010, 09:07:06 am »

its ucla4life

Prosper:  8.85%
Lendstats: 10.36%
erics: 17.23%
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xraider

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #9 on: November 30, 2010, 10:25:46 am »

Sorry about your football team.....  Going to the game on Saturday?

I hope your stats on Prosper continue to hold up. 

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onthefence

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #10 on: November 30, 2010, 11:34:39 am »

its ucla4life

Prosper:  8.85%
Lendstats: 10.36%
erics: 17.23%

You have the biggest difference in Lendstats & Prosper scores.  I am very curious as to what XIRR calculates for you.
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kenL

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #11 on: November 30, 2010, 12:48:40 pm »

its ucla4life

Prosper:  8.85%
Lendstats: 10.36%
erics: 17.23%

You have the biggest difference in Lendstats & Prosper scores.  I am very curious as to what XIRR calculates for you.
That is a big difference on the plus side. 312, are you a trader? :)

That's the other thing folks, when it comes to trading 3rd party sites do not have that info.

my ROI's are:
Prosper:   1.13%
Lendstats:1.09%
Erics:      10.07%

it's actually quite a coincidence the lendstats and prosper are so close because I've sold about 10K in loans.

I never did the XIRR either, but it is obviously the best way to determine ROI.
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312lender

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #12 on: November 30, 2010, 12:55:15 pm »

I'm a trader -- i've sold between 1-2k in notes.

My post-quiet-period ROI is:
Prosper: 15.8%
Lendingstats: 13.81%
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kenL

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #13 on: November 30, 2010, 01:24:30 pm »

I'm a trader -- i've sold between 1-2k in notes.

My post-quiet-period ROI is:
Prosper: 15.8%
Lendingstats: 13.81%
Another thing to note is that I think Prosper is only counting losses from defaulted notes, not from <120 day late loans. Therefore for post relaunch loans Prosper's ROI should be significantly higher than lendstats' because lendstats estimates losses from loans in all states of DQ.
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NPX

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Re: Compare ROI - Erics/LS/Prosper/XIRR
« Reply #14 on: November 30, 2010, 11:08:50 pm »

Prosper: 8.43%
Lendstats: 8.58%
Ericscc: 8.13%
XIRR: 8.93%

I'm one of the rare lenders whose ROI ericscc has consistently underestimated, though it's been getting better as more of my loans pay off.
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