Our historical performance

Annual investment returns

Here’s a snapshot of Zopa Core and Zopa Plus performance since launch. These are what investment returns looked like after fees and losses.

Returns may appear higher in 2020 due to some loans being on Coronavirus payment plans, which temporarily reduced defaults. Losses on these loans will be reflected in 2021.

Investment return is defined as the weighted average interest rate across loans that were active in the year (net of fees, by each loan's balance) minus the annualised loss rate on these loans.

First year: Tends to show higher returns as it looks at a portfolio of entirely new loans which cannot default for the first four months.

Zopa Core was not introduced until 2017.

Annual net losses

This compares our expected net losses to what actually happened in a given year. By net losses we mean the amount lost to defaults, after taking into account any recoveries made by our Collections team.

Losses may appear lower in 2020 due to some loans being on Coronavirus payment plans, which temporarily reduced defaults. Losses on these loans will be reflected in 2021.

Expected net losses: These projections include a range of 0.5% above and below what was predicted. Find out more about how we estimated expected net losses.

First year: Tends to show lower losses as it looks at a portfolio of entirely new loans which cannot default for the first four months.

Zopa Core was not introduced until 2017.