Statistics

Performance indicators

Default rate
Values Volume
0% 0%
Investor statistics
98% d'investisseurs particliers Private
2% d'entreprises Companies
29,975
Registered Investors
8,647
Active investors
Active vs. Inactive Users
8,647 Active investors diversify their portfolios
6 Projects
Average projects per portfolio
Graphique investissement
€3,537.29
Average per investment
Graphique investisseur
18.3K €
Average outstanding amount per investor
Distribution of investors by gender
People repartition
Men - Women
85%
15%
Distribution of investors by age
Statistics about the project developer
Map of the borrowers' distributions
€82,631,0 €
Total amount borrowed
€11,042,0 €
Repayed capital
€993,7 €
Gross interests paid
100%
Projects successfully funded (Last 6 months)
73%
Projects funded in the day (Last 6 months)
156
Projects successfully funded
€526,1
Average amount borrowed
Records
1 050 000 € de montant fiscal financé €2,500,0 € Maximum financed
amount
7 minutes, collecte la plus rapide 1 Minute Quickest
campaign
17 142€ collecte record à la minute 320 000 € One minute
Campaign record
Homunity
Montant investi : €82,631,0 €
Capital remboursé : €11,042,0 €
Capital restant du : €73,108,3 €
Taux d'intérêt moyen versé : 9.3 %
Capital en défaut : 0 €
Intérêts versés : €993,7 €

Chiffres détaillés

Indicators Date of project financing
General indicators 2016 2017 2018 2019
Amount lent A €2,710,0 € €7,562,0 € €24,853,0 € €49,726,0 €
Number of funded projects B 10 21 55 73
Average amount borrowed C €271,0 € €360,0 € €451,8 € €681,1 €
Average annual interest rate of borrowing D 9.20 % 9.24 % 9.22 % 9.00 %
Average initial loan duration (months) E 12.0 17.6 18.6 21.6
Average age of loans (months) F 0 23 15 4
Repayed capital G €2,710,0 € €5,192,0 € €3,140,0 € 0 €
Share of repaid capital H 100 % 69 % 13 % 0 %
Shared interests I 303 507 € €4,252,0 € €110,8 € 0 €
Share of interests received J 100 % 86 % 5 % 0 %

H: This indicator represents the share of borrowed capital that has already been repaid. The older the loans, the higher the portion already repaid.
J: This indicator represents the portion of the interest due that has already been paid. The older the loans, the higher the share already paid.

Performance indicators 2016 2017 2018 2019
Internal rate of return (net of risk) K 9.20 % 9.24 % 9.22 % 9.00 %
Maximum internal rate of return possible L 9.20 % 9.24 % 9.22 % 9.00 %
Annual cost of risk noted M 0 € 0 € 0 € 0 €

K: The net internal rate of return represents the annual profitability of the loans, less known or proven losses at the date of calculation.
L: The maximum possible internal rate of return represents the annualized yield of loans if all loans were repaid in accordance with the original schedule.
M: the annual cost of risk represents the decrease in profitability caused by delays and payment defaults compared to the maximum possible rate of return. This is the difference between L and K.

Incident indicators 2016 2017 2018 2019
Capital late payment N 0 € 0 € 0 € 0 €
Late payment rate O 0 % 0 % 0 % 0 %
Capital in default P 0 € 0 € 0 € 0 €
Refund default rate Q 0 % 0 % 0 % 0 %

N: the late capital is the sum of the principal of the maturities in arrears for less than 180 days, net of recoveries.
O: the delay rate represents the share of late payments due less than 180 days in relation to the borrowed capital. It is calculated as follows: - by volume: N / A, - by number: number of projects with a delay / B.
P: the capital in default is the sum of the capital whose repayment will never or probably not be made. It is calculated in the following way: sum of the capital of the late payment maturities of more than 180 days + sum of the late payment capital and the outstanding capital of a company in collective procedure or having been the subject a lapse in the contractual term, net of recoveries.
Q: the default rate represents the share of capital whose repayment will never or probably not be made in relation to the borrowed capital. It is calculated as follows: - by volume: P / A, - by number: number of projects in default / B.

Indicateurs légaux (C.M.F, article R.548-5, alinea 3) 2016 2017 2018 2019
Taux de défaillance constaté à plus de deux mois R 0 % 0 % 0 % 0 %
Taux de défaillance S 0 % 0 % 0 % 0 %

R : Le premier tiret du b du 3° de l’article R.548-5 du code monétaire et financier définit deux taux relatifs aux crédits ou prêts sans intérêt présentant une échéance impayée depuis plus de deux mois, en nombre et en montant. Le premier rapporte le nombre de projets ayant des échéances impayées depuis plus de 2 mois au nombre total de projets ayant un capital restant dû. Le second rapporte la somme du capital restant dû des crédits ou prêts sans intérêts à la somme du capital restant dû de l’ensemble des crédits ou prêts sans intérêts correspondant. Ces formules sont détaillées par la position 2017-P-02 de l'Autorité de contrôle prudentiel et de résolution.
S : Le deuxième tiret du b du 3° de l’article R.548-5 du code monétaire et financier définit un taux relatif aux crédits ou prêts sans intérêt pour lesquels les échéances restent impayées chaque mois. Le taux est calculé en établissant la moyenne trimestrielle de chaque calcul mensuel qui rapporte le nombre des projets présentant des échéances qui restent impayées chaque mois sur le nombre total de projets pour lesquels un capital reste dû chaque mois. Cette formule est détaillée par la position 2017-P-02 de l'Autorité de contrôle prudentiel et de résolution.