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National Rural Utilities Cooper (NRUC) Total Return Calculator with Dividends Reinvested

National Rural Utilities Cooper

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The total return for National Rural Utilities Cooper (NRUC) stock is +6.34% over the past 12 months. So far it's up 1.86% this year. The 5-year total return is +13.89%, meaning $10,000 invested in NRUC stock 5 years ago would be worth $11,389 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in NRUC 1 year ago, it would be worth $10,665 today — you'd have gained $665 with dividends reinvested.

With Dividends Reinvested$10,665+6.65%

Price Only (No DRIP)$10,222+2.22%

Dividend Boost+$4443 payments · +4.44% extra

Period2025-05-08 → 2026-05-07

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in NRUC

1Y$10,634+$634 (+6.3%)6.3% CAGR

3Y$11,335+$1,335 (+13.4%)4.3% CAGR

5Y$11,389+$1,389 (+13.9%)2.6% CAGR

10Y$13,280+$3,280 (+32.8%)2.9% CAGR

15Y$13,280+$3,280 (+32.8%)1.9% CAGR

20Y$13,280+$3,280 (+32.8%)1.4% CAGR

30Y$13,280+$3,280 (+32.8%)0.9% CAGR

Dividend Reinvestment History (3)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-08-01	$0.34	$24.45	+0.014059
2025-10-31	$0.34	$23.35	+0.014929
2026-01-30	$0.34	$24.51	+0.014434

Loading NRUC total return...

As of 2026-05-08

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+1.86%	—	+0.42%	+1.44 pp	$10,186
1Y	+6.34%	6.34%	+1.96%	+4.38 pp	$10,634
3Y	+13.35%	4.27%	-2.08%	+15.43 pp	$11,335
5Y	+13.89%	2.63%	-10.48%	+24.37 pp	$11,389
10Y	+32.80%	2.88%	-4.35%	+37.14 pp	$13,280
15Y	+32.80%	1.91%	-4.35%	+37.14 pp	$13,280
20Y	+32.80%	1.43%	-4.35%	+37.14 pp	$13,280
30Y	+32.80%	0.95%	-4.35%	+37.14 pp	$13,280

Risk & Highlights

Best Year+12.73%2019

Worst Year-6.07%2022

Max Drawdown-77.34%2026-01-29 → 2026-02-23

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+1.19%	-0.25%	+1.4pp	+0.41%	+0.8pp
2025	+6.80%	+0.94%	+5.9pp	+16.64%	-9.8pp
2024	-3.93%	-9.41%	+5.5pp	+24.00%	-27.9pp
2023	+10.15%	+4.44%	+5.7pp	+24.81%	-14.7pp
2022	-6.07%	-11.14%	+5.1pp	-19.95%	+13.9pp

NRUC underperformed the S&P 500 by 24.03pp over the past year (+6.34% vs +30.37%).

Loading summary...

NRUC 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
NRUCNational Rural Utilities Cooper	—	+4.2%	+1.9%	+6.3%	+4.4pp	+13.4%	+13.9%	+32.8%
EDConsolidated Edison, Inc.	$39.2B	-7.1%	+7.3%	-1.1%	+3.1pp	+17.6%	+57.2%	+84.5%
AEEAmeren Corporation	$30.1B	-2.3%	+8.6%	+12.2%	+2.9pp	+31.2%	+43.0%	+170.4%
WECWEC Energy Group, Inc.	$36.7B	-3.6%	+6.8%	+6.2%	+3.3pp	+29.4%	+31.8%	+133.1%
EVRGEvergy, Inc.	$19.1B	-0.1%	+14.2%	+22.7%	+3.9pp	+46.0%	+49.1%	+100.7%
NWENorthwestern Energy Group Inc	$4.5B	+3.9%	+12.9%	+30.2%	+4.6pp	+34.7%	+25.9%	+65.7%
IDAIDACORP, Inc.	$7.9B	-1.2%	+13.9%	+26.1%	+3.0pp	+39.8%	+54.4%	+132.6%
NEENextEra Energy, Inc.	$194.6B	-0.4%	+16.1%	+42.0%	+3.4pp	+31.0%	+38.2%	+266.0%
AEPAmerican Electric Power Company, Inc.	$71.7B	-0.9%	+14.6%	+26.1%	+3.5pp	+54.7%	+70.7%	+146.9%
ETREntergy Corporation	$51.3B	-1.6%	+20.7%	+36.0%	+3.0pp	+122.9%	+127.6%	+246.8%
CHCTCommunity Healthcare Trust Incorporated	$505M	+8.1%	+11.2%	+14.5%	+11.1pp	-36.1%	-45.6%	+83.9%

Compare:NRUC vs ED NRUC vs AEE NRUC vs WEC NRUC vs ED vs AEE

About NRUC Dividend Returns

National Rural Utilities Cooper (NRUC) 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 NRUC over the past year?

National Rural Utilities Cooper (NRUC) delivered a total return of 6.34% over the past year when dividends are reinvested. The price-only return was 1.96%, meaning dividends contributed an additional 4.38 percentage points to total returns.

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

A $10,000 investment in National Rural Utilities Cooper one year ago would be worth $10,634 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $10,196. Dividend reinvestment added $438 to the portfolio value.

Q3Does NRUC pay dividends?

Yes, National Rural Utilities Cooper (NRUC) pays dividends. In the last year, NRUC paid approximately $0.00 per share in dividends. 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 NRUC beat the S&P 500?

No, National Rural Utilities Cooper (NRUC) underperformed the S&P 500 by 24.03 percentage points over the past year. NRUC delivered a total return of 6.34%, compared to the S&P 500's 30.37%. This means a passive S&P 500 index fund outperformed NRUC by 24.03pp during this period.

Q5What is NRUC's worst drawdown?

National Rural Utilities Cooper (NRUC) experienced a maximum drawdown of -77.34% over the past year, declining from its peak on 2026-01-29 to its trough on 2026-02-23. 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 NRUC's long-term total return over 10, 20, or 30 years?

Here are National Rural Utilities Cooper (NRUC)'s long-term returns with dividends reinvested. Over 10 years, the total return is 32.8% (2.9% CAGR) — $10,000 would have grown to $13,280. Over 20 years: 32.8% total return (1.4% CAGR) — $10,000 → $13,280. Over 30 years: 32.8% total return (0.9% CAGR) — $10,000 → $13,280. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was NRUC's best and worst year?

National Rural Utilities Cooper's best calendar year was 2019 with a total return of 12.7%. Its worst year was 2022 with a total return of -6.1%. This range shows the volatility investors should expect — the difference between the best and worst year is 18.8 percentage points.