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Our historical performance

We are an FCA-regulated company with a commitment to transparency. Here we provide a breakdown of how our Core and Plus investments have performed since they launched. If you’d like to look further back, you can do so on our legacy products performance page.

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.

Zopa Core

Graph showing annual investor returns for Zopa Core and Zopa Plus investments between 2016 – 2018.

Zopa Plus

Graph showing annual investor returns for Zopa Core and Zopa Plus investments between 2016 – 2018.

Source: Zopa's public loan book. 1st January 2016 to 31st December 2019

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.

Zopa Core

Graph showing annual net losses for Zopa Core and Zopa Plus between 2016 – 2018.

Zopa Plus

Graph showing annual net losses for Zopa Core and Zopa Plus between 2016 – 2018.
  • Net losses
  • Expected net losses

Source: Zopa's public loan book. 1st January 2016 to 31st December 2019

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.

Important information

Remember, past performance is not a reliable indicator of future results. And forecasts are not a reliable indicator of future performance.

Read our risk statement for more information. Or take a look at Zopa’s public loan book as a download showing historical performance.

You can find out more about our legacy product performance.

How defaults can affect returns

We've put together a few scenarios exploring what can happen under different circumstances.