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KKR Real Estate Finance Trust Inc. (KREF) Total Return Calculator with Dividends Reinvested

KKR Real Estate Finance Trust Inc.

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The total return for KKR Real Estate Finance Trust Inc. (KREF) stock is -18.61% over the past 12 months. So far it's down 18.24% this year. The 5-year total return is -35.93%, meaning $10,000 invested in KREF stock 5 years ago would be worth $6,407 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in KREF 1 year ago, it would be worth $8,132 today — you'd have lost $1,868 with dividends reinvested.

With Dividends Reinvested$8,132-18.68%

Price Only (No DRIP)$7,173-28.27%

Dividend Boost+$9594 payments · +9.59% extra

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in KREF

1Y$8,139-$1,861 (-18.6%)-18.6% CAGR

3Y$9,748-$252 (-2.5%)-0.8% CAGR

5Y$6,407-$3,593 (-35.9%)-8.5% CAGR

10Y$9,060-$940 (-9.4%)-1.0% CAGR

15Y$9,060-$940 (-9.4%)-0.7% CAGR

20Y$9,060-$940 (-9.4%)-0.5% CAGR

30Y$9,060-$940 (-9.4%)-0.3% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-30	$0.25	$8.77	+0.028506
2025-09-30	$0.25	$9.00	+0.028570
2025-12-31	$0.25	$8.22	+0.032150
2026-03-31	$0.25	$6.12	+0.044495

Loading KREF total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-18.24%	—	-21.26%	+3.02 pp	$8,176
1Y	-18.61%	-18.61%	-29.44%	+10.82 pp	$8,139
3Y	-2.52%	-0.85%	-36.82%	+34.30 pp	$9,748
5Y	-35.93%	-8.52%	-69.06%	+33.13 pp	$6,407
10Y	-9.40%	-0.98%	-70.54%	+61.14 pp	$9,060
15Y	-9.40%	-0.66%	-70.54%	+61.14 pp	$9,060
20Y	-9.40%	-0.49%	-70.54%	+61.14 pp	$9,060
30Y	-9.40%	-0.33%	-70.54%	+61.14 pp	$9,060

Risk & Highlights

Best Year+29.23%2021

Worst Year-26.11%2022

Max Drawdown-40.43%2025-09-05 → 2026-04-27

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-16.06%	-16.06%	—	+0.41%	-16.5pp
2025	-9.70%	-19.49%	+9.8pp	+16.64%	-26.3pp
2024	-15.85%	-23.43%	+7.6pp	+24.00%	-39.8pp
2023	+5.13%	-6.96%	+12.1pp	+24.81%	-19.7pp
2022	-26.11%	-34.21%	+8.1pp	-19.95%	-6.2pp

KREF underperformed the S&P 500 by 47.05pp over the past year (-18.61% vs +28.44%).

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KREF 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
KREFKKR Real Estate Finance Trust Inc.	$419M	+7.2%	-18.2%	-18.6%	+10.8pp	-2.5%	-35.9%	-9.4%
BXMTBlackstone Mortgage Trust, Inc.	$3.2B	+3.4%	+0.6%	+11.1%	+9.9pp	+45.7%	-3.3%	+53.4%
STWDStarwood Property Trust, Inc.	$6.9B	+5.7%	+1.7%	+5.4%	+10.0pp	+43.3%	+9.9%	+91.7%
RCReady Capital Corporation	$324M	+23.5%	-6.1%	-48.9%	+6.1pp	-55.6%	-45.0%	+5.5%
GPMTGranite Point Mortgage Trust Inc.	$66M	+1.5%	-39.2%	-16.8%	+10.5pp	-38.5%	-65.9%	-50.8%
TRTXTPG RE Finance Trust, Inc.	$661M	+10.5%	-0.3%	+24.5%	+12.6pp	+103.7%	+6.0%	-1.6%
ARIApollo Commercial Real Estate Finance, Inc.	$1.5B	+4.5%	+14.3%	+27.1%	+10.6pp	+52.5%	+13.6%	+64.1%
BRSPBrightSpire Capital, Inc.	$769M	+5.0%	+5.9%	+23.9%	+12.1pp	+49.6%	+10.7%	-35.6%
ACREAres Commercial Real Estate Corporation	$286M	+8.8%	+13.1%	+39.1%	+14.4pp	-1.1%	-28.2%	+49.2%
FBRTFranklin BSP Realty Trust, Inc.	$702M	+8.6%	-7.8%	-8.5%	+11.1pp	+3.8%	-10.6%	-10.6%
LADRLadder Capital Corp	$1.3B	+4.9%	-5.5%	+7.6%	+8.9pp	+40.2%	+28.3%	+84.6%

Compare:KREF vs BXMT KREF vs STWD KREF vs RC KREF vs BXMT vs STWD

About KREF Dividend Returns

KKR Real Estate Finance Trust Inc. (KREF) 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 KREF over the past year?

KKR Real Estate Finance Trust Inc. (KREF) delivered a total return of -18.61% over the past year when dividends are reinvested. The price-only return was -29.44%, meaning dividends contributed an additional 10.82 percentage points to total returns.

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

A $10,000 investment in KKR Real Estate Finance Trust Inc. one year ago would be worth $8,139 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $7,056. Dividend reinvestment added $1,082 to the portfolio value.

Q3Does KREF pay dividends?

Yes, KKR Real Estate Finance Trust Inc. (KREF) pays dividends. In the last year, KREF paid approximately $1.00 per share in dividends (15.35% 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 KREF beat the S&P 500?

No, KKR Real Estate Finance Trust Inc. (KREF) underperformed the S&P 500 by 47.05 percentage points over the past year. KREF delivered a total return of -18.61%, compared to the S&P 500's 28.44%. This means a passive S&P 500 index fund outperformed KREF by 47.05pp during this period.

Q5What is KREF's worst drawdown?

KKR Real Estate Finance Trust Inc. (KREF) experienced a maximum drawdown of -40.43% over the past year, declining from its peak on 2025-09-05 to its trough on 2026-04-27. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

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

Here are KKR Real Estate Finance Trust Inc. (KREF)'s long-term returns with dividends reinvested. Over 10 years, the total return is -9.4% (-1.0% CAGR) — $10,000 would have grown to $9,060. Over 20 years: -9.4% total return (-0.5% CAGR) — $10,000 → $9,060. Over 30 years: -9.4% total return (-0.3% CAGR) — $10,000 → $9,060. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was KREF's best and worst year?

KKR Real Estate Finance Trust Inc.'s best calendar year was 2021 with a total return of 29.2%. Its worst year was 2022 with a total return of -26.1%. This range shows the volatility investors should expect — the difference between the best and worst year is 55.3 percentage points.