Analysis Featured

Lending Times’ TOP 28 most important charts for online lending

Lending Times has collected the most interesting charts and graphs that we believe showcase the p2p, marketplace and online lending industry. As in any industry there are good parts, bad parts, good news and bad news. We tried to encompass them all. We hope this selection will allow viewers to get a quick , deep and complete snapshot of our industry.

#1 What value do online lenders add to the finance world ?

orchard-vs-indexes

Source: Orchard Platform. Link to the article where the graph first appeared.

#2 The size of the Online Loan securitization market vs the height of the mortgage-backed securitization market. There is plenty of space for growth.
bloomberg 4

#3 How banks feel about trends in fintech and their response.

pwc 4

#4 The banks have already responded and are taking actions.
Big_banks_take_the_lead_in_satisfaction_for_the_first_time-565x366

#5 Different business models for online lenders lead to different profitability.
ondeck balance sheet accounting

Source: Seeking Alpha

#6 Lending Club’s crisis effect on volumes
LC retail sold volumes

#7 The overall charge-off rates for credit cards at banks and trends.charge off rate on credit card top 100 banks

#8 Investment sources for fintechs : capital is the life line.Quarterly-Global-Financing-Trends-to-VC-Backed-Fintech-Companies-768x374

 

#9 Desktop vs website vs mobile technology, what to use ?app-vs-mobile-web-768x396

#10 The bottom of the online lending bubble ?
marketplace lendnig layoffs

#11 Consumer perception of p2p risk

p2p lending risk evaluation

#12 Goldman Sachs’ funding mix change

Goldman capital sources

Source: Financial Times

#13 US MPL Annual loan volume, USD in millions, 2011-2015us-mpl-annual-loan-volumes

Source: Consultancy.uk

#14 UK MPL annual loan volume, GBP millions, 2010-2015

consumer-vs-business-lending

Source: Consultancy.uk

#15 Drivers behind usage of MPLs to borrow money, retail consumers

drivers-behind-usage-of-mpls-to-borrowe-money-retail-customers

Source: Consultancy.uk

#16 Cost economics of illustrative bank and MPL loans

cost-economics-of-mpl-loans

Source: Consultancy.uk

#17 Cost of funding an unsecured personal loan : banks vs MPLs, current and normalized credit environments

cost-of-funding

Source: Consultancy.uk

#18th P2p Lending Volume in the UK

altfi_data_originations_sep_2016-1024x626

Source : Alt Fi

#19th US Unemployment and Credit Card Charge Off rates

unemployment credit cards

Source: TechCrunch

#20st Fintech Bank Partnerships table

onlinelending_bank_partnership_examples-1024x573

Source: Lend Academy

 

 #21st P2P Market volume by country

#22nd European online alternative lending market volumes

#23rd European online alternative finance market volumes

#24th Default rates over time

delinquencies by loan type

#25th Examples of lenders and their SEO numbers

Source: Do you SEO? An Opportunity for P2P Lending Companies

In case you are interested: Trust flow shows how trusted the sites that link to these lenders are, while citation flow shows how popular the sites are that link to the lenders. Both numbers go from 0-100 but are logarithmic, so the higher you go the more difficult it is to go even higher. The estimated traffic numbers should be directionally right, but take them with a grain of salt.

#26 Capital Sources for Lending Club

Lending Club investorsSource: Lend Academy

#27 Pre and post 2008 Lending Volumes

Source: WSJ

#28 Trends in defaults for credit cards, mortgages and loans

delinquency rates in u.s.

Source: Deloitte Report Lending 2.0

About the author

George Popescu

Serial entrepreneur.

George sold and exited his most successful company, Boston Technologies (BT) group, in 2014. BT was a technology, market maker, high-frequency trading and inter-broker broker-dealer in the FX Spot, precious metals and CFDs space company. George was the Founder and CEO and he boot-strapped from $0 to a $20+ million in revenue without any equity investment. BT has been #1 fastest growing company in Boston in 2011 according to the Boston Business Journal and the only company being in top 10 fastest in 2012-13 as it was #5 in 2012. BT has been on the Inc. 500/5000 list of fastest growing companies in the US for 4 years in a row ( #143, #373, #897 and #1270). After the company sale in July 2014 until February 2015 George was Head-of-Strategy for Currency Mountain ( www.currencymountain.com ), a USD 100 million+ holding company focused on retail and medium institutional currencies, precious metals, stocks, fixed income and commodities businesses.

• Over the last 10 years, George founded 10 companies in online lending, craft beer brewery, exotic sports car rental space, hedge funds, peer-reviewed scientific journal ( Journal of Cellular and Molecular medicine…) and more. George advised 30+ early stage start-ups in different fields. George was also a mentor at MIT’s Venture Mentoring Services and Techstar Fintech in NY.

• Previously George obtained 3 Master's Degrees: a Master's of Science from MIT working on 3D printing, a Master’s in Electrical Engineering and Computer Science from Supelec, France and a Master's in Nanosciences from Paris XI University. Previously he worked as a visiting scientist at MIT in Bio-engineering for 2 years. George had 3 undergrad majors: Maths, Physics and Chemistry. His scientific career led to about 10 publications and patents.

• On the business side, Boston Business Journal has named me in the top 40 under 40 in 2012 in recognition of his business achievements.

• George is originally from Romania and grew up in Paris, France.

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