ETFs and stocks surge while P2P holdings grow in size

According to a recent survey of European investors, ETFs and stocks are gaining ground. The share of consumer P2P lending in investor portfolios has edged down, although the value of P2P holdings continues to rise.
The Robocash platform surveyed European investors about how 2025 performed in terms of investments.
Currently, the top assets in investor portfolios are ETFs (30%), stocks (21%) and P2P loans (21%). The first two have shown growth since last year, while the share of P2P has slightly declined.
Despite the decrease, the overall P2P portfolio size continues to expand. Notably, the percentage of investors whose P2P holdings exceed €30,000 has grown since 2023, indicating a rising confidence towards P2P investments.
A key strategy for investors in expanding their P2P portfolios is reinvesting earnings from previous investments (52%). In second place is increased investment in previously selected platforms. "Although the P2P market has remained a relatively calm environment in recent years, investors still prefer to choose platforms that have stood the test of time. This cautious approach reflects their desire for stability and reliability". - Robocash analysts comment.
When asked about the most influential factors affecting their investment decisions, respondents increasingly highlighted the state of the economy (38%) and their own market analysis (35%), which signals a more informed and proactive investment approach.
"Overall, these insights suggest a dynamic investment landscape where traditional assets continue to grow in importance, while P2P remains a significant component of diversified portfolios. Stronger ties to existing platforms suggest investors value reliability and predictable outcomes as much as opportunities for higher returns". - the specialists add.

ROBOCASH d.o.o
Petračiceva 4, Zagreb, Croatia, 10110

Robo.cash is a Croatia-based fully automated investment platform with a buyback guarantee on investments operating within the European Union, the UK and Switzerland. Launched in February 2017, the platform belongs to the financial holding UnaFinancial that provides fintech services across fast-growing markets in Asia and Europe. As a part of the holding, Robo.cash works according to a "peer-to-portfolio" model providing an opportunity to invest in consumer and commercial loans issued by the affiliated companies. As of November 30, 2025, it has attracted €75M of investments and funded over €1.2B worth of loans.

This release was published on openPR.