Prosper Performance Update: February 2018

Today we are sharing performance data from the Prosper portfolio for February 2018.

In addition to the update, we recently made pricing changes on our platform in light of the 25bps Fed rate increase. This update is part of our ongoing efforts maintain a balanced marketplace that builds value for both borrowers and their investors.

Highlights from the February report include:

  • Credit tightening continues in the riskier grades, shifting the portfolio to an increased concentration of lower risk assets – 56.1% of assets were rated AA-B in February vs. 54.3% in January 2018 and 49.5% in 2017 Q4.
  • The shift in volume which resulted in original WA Borrower Rate on the portfolio declining by 24bps from the January level.
  • WA FICO increased from 715 in 2017 Q4 to 719 in February.
Portfolio insights and key charts can be found here.

As always, the Prosper Performance Updates are designed to help our investor community better understand performance trends and to provide important insights into the trends we are seeing and the information needed to invest through the Prosper platform.

If you wish to add your name to the monthly performance update list, please email [email protected].

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Actual performance may differ from estimated performance, and the information presented is not intended to be investment advice or a guarantee of the performance of any Note or loan.

The data, statements and figures in this post are based on Prosper’s analysis and calculations which, in turn, are based on various data sources compiled and analyzed by Prosper with all reasonable care to ensure they contain no omission likely to affect their import. Neither the analysis nor the underlying data sources have been verified by an independent third party.

This post includes forward-looking statements. Forward-looking statements inherently involve many risks and uncertainties that could cause actual results to differ materially from those projected in these statements. Where, in any forward-looking statement, we express an expectation or belief as to future results or events, such expectation or belief is based on the current plans and expectations of our management and is expressed in good faith and believed to have a reasonable basis, but there can be no assurance that the expectation or belief will result or be achieved or accomplished. All forward-looking statements speak only as of the date of this post and are expressly qualified in their entirety by the cautionary statements above. We undertake no obligation to update or revise forward-looking statements that may be made in this post to reflect events or circumstances that arise after the date made or to reflect the occurrence of unanticipated events.

All personal loans are made by WebBank, a Utah-chartered Industrial Bank, Member FDIC. All personal loans through Prosper are unsecured, fully amortized personal loans. Neither Prosper Funding LLC nor Prosper Marketplace, Inc. are registered as an investment adviser with any federal or state regulatory agency. The information contained in this presentation is for informational purposes, and should not be construed as individually tailored investment advice or as a recommendation with respect to any security or investment approach. This presentation has been prepared without regard to the circumstances and objectives of its participants and should not be relied upon as authoritative or taken in substitution for the exercise of judgment by any individual. Each individual should consider the appropriateness of any investment decision having regard to his or her own circumstances, the full range of information available and appropriate professional advice. Prosper Funding LLC and Prosper Marketplace, Inc. recommend that each individual seek independent investment and financial advice concerning any services or investments discussed in this presentation.


Whether you’re looking for a personal loan for anything from debt consolidation to home improvement and healthcare financing, Prosper can help. And it doesn’t stop there as Prosper also offers the Prosper credit card, and home equity options in the form of a home equity line of credit.


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