European P2P investors expect 2025 returns of 10.64pc
European investors in peer-to-peer lending strategies expect to earn returns of 10.64 per cent, on average, over the course of 2025.
According to new research from P2P platform Robocash, the range of investor estimates varies from 10 per cent to 12 per cent. This suggests that the market is on a conditional “plateau” in yields, Robocash said.
Among the respondents, 35 per cent have been investing in P2P for four to five years, while 30 per cent have been investing in P2P for more than five years.
Read more: European P2P market could grow by 4.4pc next year
“It highlights a good level of engagement among investors,” said Robocash analysts.
“This experience can be crucial, as it illustrates that many individuals have navigated various market conditions.”
Robocash surveyed a number of investors and concluded that there is “cautious optimism” in the market.
When asked about possible changes in returns in 2025, 33 per cent said they expect the market to remain stable.
Read more: European P2P lending market sees cyclical wave of activity
“This perception may suggest that many respondents anticipate balanced supply and demand dynamics within the P2P lending landscape,” the Robocash analysts said.
“At the same time, 26 per cent believe that yields will decline moderately.”
Almost half of surveyed investors prefer the consumer sector, indicating a trend toward familiar investment opportunities. The analysts suggested that they may feel more comfortable allocating their funds to well-known industries that directly impact everyday life.
When choosing the preferred annualised rate of return in P2P, most investors settled on 10 per cent regardless of sector, which is also in line with their projections for the market.
On average, respondents expect about 10.64 per cent returns from P2P in 2025.
“Given the fact that market yields have been flat for almost half a year now, we can assume that we are at a conditional ‘plateau’,” said the Robocash analysts.
“The optimal rate range of 10 per cent to 12 per cent suggests that investors prioritize reliability over high returns. However, we must remember that the survey involved only a sample of investors, not the general population.”
Read more: Investors unlikely to increase P2P allocations this year
