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Payoff ratio

Average win divided by average loss, which sets how often you need to be right to break even.

Payoff ratio = average-win / average-loss, both as positive numbers. It is the realised counterpart of the planned risk-reward-ratio, and the two usually differ because real exits do not land where plans said they would.

The pairing with win rate is the whole game. Expectancy = (win rate x average win) - (loss rate x average loss). At a payoff of 2.0, break-even requires a 33.3% win rate; at 1.0 it requires 50%; at 0.5 it requires 66.7%. See breakeven-win-rate.

Be suspicious of very high payoff ratios in short records. They typically come from one enormous winner, and a strategy whose payoff depends on a single trade has not demonstrated a repeatable edge - it has demonstrated one good outcome.

Related: breakeven-win-rate, average-win, average-loss, risk-reward-ratio

See it drawn

Original diagrams for the ideas on this page. Illustrative, not real market data.

The spread of outcomes behind an expectancyA histogram of forty trades: a tall block of small losses on the left, a low spread of larger wins on the right, and a line marking the average outcome.NUMBER OF TRADES051024 LOSSES, AVG −$20016 WINS, AVG +$600EXPECTANCY +$120−$400−$200$0+$200+$400+$600+$800PROFIT OR LOSS PER TRADEexpectancy = (40% × $600) − (60% × $200) = +$120 per trade
Expectancy: the average trade. Forty trades sorted by outcome: 24 small losses and 16 larger wins. Weighting each side by how often it happens gives the average result per trade, marked here by the dashed line at +$120.
The win rate needed to break evenA falling curve: the more a winning trade pays relative to the amount risked, the smaller the share of trades that must win to break even.BREAKEVEN WIN RATE0%20%40%60%80%1:11:21:31:41:5REWARD-TO-RISK RATIO1:1 needs 50%1:2 needs 33.3%1:3 needs 25%breakeven win rate = 1 ÷ (1 + reward-to-risk)above the curve, wins more than cover losses
The win rate needed to break even. How often a method must win just to stay level, for each reward-to-risk ratio. At 1:1 half the trades must win, at 1:2 a third, and at 1:3 a quarter, because each win covers more losses.

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