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MFA Financial, Inc. (MFA) Total Return Calculator with Dividends Reinvested

MFA Financial, Inc.

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The total return for MFA Financial, Inc. (MFA) stock is +10.90% over the past 12 months. So far it's up 3.99% this year. The 5-year total return is -3.29%, meaning $10,000 invested in MFA stock 5 years ago would be worth $9,671 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in MFA 1 year ago, it would be worth $11,836 today — you'd have gained $1,836 with dividends reinvested.

With Dividends Reinvested$11,836+18.36%

Price Only (No DRIP)$10,181+1.81%

Dividend Boost+$1,6554 payments · +16.55% extra

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in MFA

1Y$11,090+$1,090 (+10.9%)10.9% CAGR

3Y$13,398+$3,398 (+34.0%)10.2% CAGR

5Y$9,671-$329 (-3.3%)-0.7% CAGR

10Y$11,013+$1,013 (+10.1%)1.0% CAGR

15Y$15,785+$5,785 (+57.9%)3.1% CAGR

20Y$23,672+$13,672 (+136.7%)4.4% CAGR

30Y$25,108+$15,108 (+151.1%)3.1% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-30	$0.36	$9.46	+0.038055
2025-09-30	$0.36	$9.19	+0.040664
2025-12-31	$0.36	$9.31	+0.041712
2026-03-31	$0.36	$9.58	+0.042104

Loading MFA total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+3.99%	—	+0.21%	+3.78 pp	$10,399
1Y	+10.90%	10.90%	-3.63%	+14.53 pp	$11,090
3Y	+33.98%	10.24%	-7.28%	+41.26 pp	$13,398
5Y	-3.29%	-0.67%	-45.86%	+42.57 pp	$9,671
10Y	+10.13%	0.97%	-65.70%	+75.83 pp	$11,013
15Y	+57.86%	3.09%	-70.52%	+128.38 pp	$15,785
20Y	+136.72%	4.40%	-65.30%	+202.02 pp	$23,672
30Y	+151.08%	3.12%	-73.84%	+224.92 pp	$25,108

Risk & Highlights

Best Year+70.73%2001

Worst Year-50.00%1998

Max Drawdown-14.23%2025-09-05 → 2025-10-30

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+6.09%	+6.09%	—	+0.41%	+5.7pp
2025	+5.19%	-8.90%	+14.1pp	+16.64%	-11.5pp
2024	+3.02%	-9.42%	+12.4pp	+24.00%	-21.0pp
2023	+24.70%	+10.93%	+13.8pp	+24.81%	-0.1pp
2022	-37.25%	-46.35%	+9.1pp	-19.95%	-17.3pp

MFA underperformed the S&P 500 by 17.54pp over the past year (+10.90% vs +28.44%).

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MFA 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
MFAMFA Financial, Inc.	$975M	-2.5%	+4.0%	+10.9%	+14.5pp	+34.0%	-3.3%	+10.1%
AGNCAGNC Investment Corp.	$9.6B	+5.1%	+2.5%	+38.8%	+16.4pp	+58.8%	-1.2%	+49.5%
NLYAnnaly Capital Management, Inc.	$16.1B	+4.5%	+0.8%	+30.7%	+14.5pp	+59.6%	+2.2%	+39.3%
TWOTwo Harbors Investment Corp.	$1.3B	+11.4%	+22.3%	+15.3%	+11.9pp	+45.7%	-28.2%	-3.9%
MITTTPG Mortgage Investment Trust Inc	$251M	+5.7%	-4.7%	+32.9%	+13.4pp	+92.2%	+1.9%	-15.3%
RWTRedwood Trust, Inc.	$696M	-2.6%	+1.8%	+5.5%	+12.1pp	+34.2%	-17.2%	+14.6%
EARNEllington Credit Company	$180M	+4.6%	-3.8%	+8.3%	+18.1pp	+10.5%	-18.2%	+34.9%
PMTPennyMac Mortgage Investment Trust	$1.1B	+1.5%	-0.9%	+7.0%	+12.5pp	+43.5%	+1.7%	+121.8%
IVRInvesco Mortgage Capital Inc.	$577M	-1.5%	+0.4%	+30.3%	+20.7pp	+32.3%	-47.7%	-29.9%
EFCEllington Financial Inc.	$1.3B	+8.3%	-0.4%	+13.6%	+12.1pp	+49.2%	+21.2%	+75.7%
GPMTGranite Point Mortgage Trust Inc.	$66M	+1.5%	-39.2%	-16.8%	+10.5pp	-38.5%	-65.9%	-50.8%

Compare:MFA vs AGNC MFA vs NLY MFA vs TWO MFA vs AGNC vs NLY

About MFA Dividend Returns

MFA Financial, Inc. (MFA) 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 MFA over the past year?

MFA Financial, Inc. (MFA) delivered a total return of 10.90% over the past year when dividends are reinvested. The price-only return was -3.63%, meaning dividends contributed an additional 14.53 percentage points to total returns.

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

A $10,000 investment in MFA Financial, Inc. one year ago would be worth $11,090 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $9,637. Dividend reinvestment added $1,453 to the portfolio value.

Q3Does MFA pay dividends?

Yes, MFA Financial, Inc. (MFA) pays dividends. In the last year, MFA paid approximately $1.79 per share in dividends (18.74% 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 MFA beat the S&P 500?

No, MFA Financial, Inc. (MFA) underperformed the S&P 500 by 17.54 percentage points over the past year. MFA delivered a total return of 10.90%, compared to the S&P 500's 28.44%. This means a passive S&P 500 index fund outperformed MFA by 17.54pp during this period.

Q5What is MFA's worst drawdown?

MFA Financial, Inc. (MFA) experienced a maximum drawdown of -14.23% over the past year, declining from its peak on 2025-09-05 to its trough on 2025-10-30. 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 MFA's long-term total return over 10, 20, or 30 years?

Here are MFA Financial, Inc. (MFA)'s long-term returns with dividends reinvested. Over 10 years, the total return is 10.1% (1.0% CAGR) — $10,000 would have grown to $11,013. Over 20 years: 136.7% total return (4.4% CAGR) — $10,000 → $23,672. Over 30 years: 151.1% total return (3.1% CAGR) — $10,000 → $25,108. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was MFA's best and worst year?

MFA Financial, Inc.'s best calendar year was 2001 with a total return of 70.7%. Its worst year was 1998 with a total return of -50.0%. This range shows the volatility investors should expect — the difference between the best and worst year is 120.7 percentage points.