How to read these ratings
Each originator is scored across a set of dimensions tailored to its structure — typically financial strength, portfolio quality, P2P investor risk and country risk. The overall rating is the average of all dimensions, rounded to the nearest half star.
Financial strength looks at profitability, capitalization ratio, and audit quality. Portfolio quality covers NPL levels, provision coverage, and underwriting discipline. P2P investor risk weights the buyback guarantee track record, skin-in-the-game, and platform dependency. Country risk assesses sovereign stability, currency, and geopolitical exposure.
A high rating means the publicly available data supports confidence — it does not eliminate risk. P2P investing carries counterparty risk that no rating system can fully price.