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H2O America (HTO) Total Return Calculator with Dividends Reinvested

H2O America

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The total return for H2O America (HTO) stock is +7.68% over the past 12 months. So far it's up 17.85% this year. The 5-year total return is +1.56%, meaning $10,000 invested in HTO stock 5 years ago would be worth $10,156 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in HTO 1 year ago, it would be worth $10,922 today — you'd have gained $922 with dividends reinvested.

With Dividends Reinvested$10,922+9.22%

Price Only (No DRIP)$10,557+5.57%

Dividend Boost+$3644 payments · +3.64% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in HTO

1Y$10,768+$768 (+7.7%)7.7% CAGR

3Y$8,126-$1,874 (-18.7%)-6.7% CAGR

5Y$10,156+$156 (+1.6%)0.3% CAGR

10Y$20,566+$10,566 (+105.7%)7.5% CAGR

15Y$33,025+$23,025 (+230.2%)8.3% CAGR

20Y$30,681+$20,681 (+206.8%)5.8% CAGR

30Y$134,572+$124,572 (+1245.7%)9.1% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-05-12	$0.42	$51.95	+0.008085
2025-08-11	$0.42	$49.90	+0.008485
2025-11-10	$0.42	$46.66	+0.009150
2026-02-09	$0.44	$51.29	+0.008799

Loading HTO total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+17.85%	—	+16.95%	+0.89 pp	$11,785
1Y	+7.68%	7.68%	+4.59%	+3.09 pp	$10,768
3Y	-18.74%	-6.68%	-24.61%	+5.86 pp	$8,126
5Y	+1.56%	0.31%	-10.42%	+11.98 pp	$10,156
10Y	+105.66%	7.48%	+67.59%	+38.07 pp	$20,566
15Y	+230.25%	8.29%	+155.66%	+74.59 pp	$33,025
20Y	+206.81%	5.77%	+127.67%	+79.14 pp	$30,681
30Y	+1245.72%	9.05%	+844.26%	+401.45 pp	$134,572

Risk & Highlights

Best Year+104.70%1999

Worst Year-23.26%2009

Max Drawdown-21.12%2025-05-06 → 2025-11-19 · Recovered 2026-02-19

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+10.11%	+9.22%	+0.9pp	+0.41%	+9.7pp
2025	+4.05%	+0.60%	+3.4pp	+16.64%	-12.6pp
2024	-22.59%	-25.03%	+2.4pp	+24.00%	-46.6pp
2023	-18.68%	-20.53%	+1.8pp	+24.81%	-43.5pp
2022	+13.57%	+11.59%	+2.0pp	-19.95%	+33.5pp

HTO underperformed the S&P 500 by 23.64pp over the past year (+7.68% vs +31.32%).

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HTO Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
HTOH2O America	$2.0B	-2.0%	+17.8%	+7.7%	+3.1pp	-18.7%	+1.6%	+105.7%
AWRAmerican States Water Company	$3.0B	-1.2%	+5.7%	-3.6%	+2.4pp	-10.1%	+5.5%	+120.3%
MSEXMiddlesex Water Company	$950M	-3.1%	+2.5%	-14.1%	+2.3pp	-25.5%	-28.1%	+63.6%
YORWThe York Water Company	$463M	-6.9%	-7.8%	-14.7%	+2.6pp	-26.3%	-32.1%	+24.9%
ARTNAArtesian Resources Corporation	$328M	-0.5%	+2.5%	-5.3%	+3.6pp	-35.5%	-8.1%	+47.1%
CWCOConsolidated Water Co. Ltd.	$527M	-1.5%	-4.3%	+44.5%	+2.4pp	+100.7%	+194.9%	+152.8%
AWKAmerican Water Works Company, Inc.	$24.5B	-8.9%	-2.9%	-13.5%	+2.2pp	-8.5%	-8.7%	+100.9%
CWTCalifornia Water Service Group	$2.6B	-5.8%	+1.0%	-11.2%	+2.5pp	-18.3%	-16.3%	+81.3%
WTRGEssential Utilities, Inc.	$10.6B	-8.2%	-2.0%	-6.0%	+3.3pp	-3.4%	-5.9%	+47.4%
GWRSGlobal Water Resources, Inc.	$202M	-8.6%	-15.6%	-29.3%	+2.9pp	-29.2%	-48.4%	+40.8%
PESIPerma-Fix Environmental Services, Inc.	$218M	+2.6%	-3.8%	+34.6%	—	+28.3%	+62.7%	+200.4%

Compare:HTO vs AWR HTO vs MSEX HTO vs YORW HTO vs AWR vs MSEX

About HTO Dividend Returns

H2O America (HTO) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of HTO over the past year?

H2O America (HTO) delivered a total return of 7.68% over the past year when dividends are reinvested. The price-only return was 4.59%, meaning dividends contributed an additional 3.09 percentage points to total returns.

Q2How much would $10,000 invested in HTO be worth today?

A $10,000 investment in H2O America one year ago would be worth $10,768 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $10,459. Dividend reinvestment added $309 to the portfolio value.

Q3Does HTO pay dividends?

Yes, H2O America (HTO) pays dividends. In the last year, HTO paid approximately $1.63 per share in dividends (2.83% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did HTO beat the S&P 500?

No, H2O America (HTO) underperformed the S&P 500 by 23.64 percentage points over the past year. HTO delivered a total return of 7.68%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed HTO by 23.64pp during this period.

Q5What is HTO's worst drawdown?

H2O America (HTO) experienced a maximum drawdown of -21.12% over the past year, declining from its peak on 2025-05-06 to its trough on 2025-11-19. The stock recovered to its prior peak by 2026-02-19. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is HTO's long-term total return over 10, 20, or 30 years?

Here are H2O America (HTO)'s long-term returns with dividends reinvested. Over 10 years, the total return is 105.7% (7.5% CAGR) — $10,000 would have grown to $20,566. Over 20 years: 206.8% total return (5.8% CAGR) — $10,000 → $30,681. Over 30 years: 1245.7% total return (9.1% CAGR) — $10,000 → $134,572. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was HTO's best and worst year?

H2O America's best calendar year was 1999 with a total return of 104.7%. Its worst year was 2009 with a total return of -23.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 128.0 percentage points.