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 ?
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.
#3 How banks feel about trends in fintech and their response.
#4 The banks have already responded and are taking actions.
#5 Different business models for online lenders lead to different profitability.
#6 Lending Club’s crisis effect on volumes
#7 The overall charge-off rates for credit cards at banks and trends.
#8 Investment sources for fintechs : capital is the life line.
#9 Desktop vs website vs mobile technology, what to use ?
#10 The bottom of the online lending bubble ?
#11 Consumer perception of p2p risk
#12 Goldman Sachs’ funding mix change
Source: Financial Times
#13 US MPL Annual loan volume, USD in millions, 2011-2015
#14 UK MPL annual loan volume, GBP millions, 2010-2015
#15 Drivers behind usage of MPLs to borrow money, retail consumers
#16 Cost economics of illustrative bank and MPL loans
#17 Cost of funding an unsecured personal loan : banks vs MPLs, current and normalized credit environments
#18th P2p Lending Volume in the UK
Source : Alt Fi
#19th US Unemployment and Credit Card Charge Off rates
#20st Fintech Bank Partnerships table
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
#25th Examples of lenders and their SEO numbers
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
Source: Lend Academy
#27 Pre and post 2008 Lending Volumes
#28 Trends in defaults for credit cards, mortgages and loans
Source: Deloitte Report Lending 2.0
#29 Loan originations Q4’16 for US Digital Lenders
#30 Delinquency rate after 12 months for consumers who posses 4 loan types
#31 American reach a new high in total debt balance
#32 Non housing debt balance mix in new high
#33 Delinquency trends by loan type, see increase in student debt default