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Portfolio Performance
We measured Goparity's loan portfolio since the creation of the company: it has delivered an average annual return of 8,71% to investors. That figure accounts for every euro invested, every repayment of principal and interest received, and the value of the loans outstanding at the end of December 2025, deducting the losses.
To test how solid that number is, we ran two deliberately pessimistic scenarios:
a) If 30% of the loans currently flagged as at-risk were never repaid, the return would ease to 7,60% per year.
b) Even in the extreme case where every single at-risk loan was written off completely - something the guarantees behind these loans make virtually impossible - the portfolio would still have returned 4,86% per year.
In other words, the returns hold up well even when we assume the worst, without mentioning the impact achieved.
Don’t just take our word for it
Pedro Andersson, a well-known Portuguese journalist and author specialising in personal finance, creator of the Contas-poupança project, invested 1.000€ in Goparity, in another P2P platform and in Portuguese state savings certificates. Every month, he reports transparently on the results.
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