In 2025, the continental European P2P market may renew its historical maximum in volumes. Long-term investors will be the main driver of growth, and the average annual rate of return will reach a plateau of 11.6%.

Robocash analysts forecast that the European P2P market could grow by 4.4% in 2025, setting a historical record from 2019. “Increasing demand for alternative investments has created favorable conditions for the market in 2019. The last 5 years have been challenging for the industry due to several economic and geopolitical events. In 2025, the sector may become more stable and predictable for its major players.” – the experts comment.

At the same time, forecasts for the number of new market customers show a downward trend. According to the study, about 106,000* new investors will be interested in P2P lending in 2025, a drop of 16.5% from 2024. “In our recent research, we’ve already noted that it is experienced investors who are becoming the main driver of the market. They are quite selective in their choice of P2P platforms and will continue to focus on trusted companies.”

The yields offered by the market are expected to continue growing. At the end of 2024, the average annual market rate will be 11.21%, and in 2025 it may reach 11.64%. “It’s likely that market yields will gradually enter a “plateau”, thus showing the limits of nominal and real yields. P2P investments will have to compete with high-yielding alternative assets for a place in portfolios, as European investors are more willing to accept risk for higher returns”, – the analysts add.

* – The analysis included 57 European continental P2P platforms with open statistics.