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Starwood Property Trust, Inc. (STWD) Total Return Calculator with Dividends Reinvested

Starwood Property Trust, Inc.

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The total return for Starwood Property Trust, Inc. (STWD) stock is +5.38% over the past 12 months. So far it's up 1.74% this year. The 5-year total return is +9.86%, meaning $10,000 invested in STWD stock 5 years ago would be worth $10,986 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in STWD 1 year ago, it would be worth $10,677 today — you'd have gained $677 with dividends reinvested.

With Dividends Reinvested$10,677+6.77%

Price Only (No DRIP)$9,642-3.58%

Dividend Boost+$1,0344 payments · +10.34% extra

Period2025-05-06 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in STWD

1Y$10,538+$538 (+5.4%)5.4% CAGR

3Y$14,332+$4,332 (+43.3%)12.7% CAGR

5Y$10,986+$986 (+9.9%)1.9% CAGR

10Y$19,171+$9,171 (+91.7%)6.7% CAGR

15Y$25,088+$15,088 (+150.9%)6.3% CAGR

20Y$29,284+$19,284 (+192.8%)5.5% CAGR

30Y$29,285+$19,285 (+192.8%)3.6% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-30	$0.48	$20.07	+0.023916
2025-09-30	$0.48	$19.37	+0.025373
2025-12-31	$0.48	$18.01	+0.027966
2026-03-31	$0.48	$17.22	+0.030028

Loading STWD total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+1.74%	—	-0.87%	+2.61 pp	$10,174
1Y	+5.38%	5.38%	-4.65%	+10.03 pp	$10,538
3Y	+43.32%	12.75%	+8.95%	+34.37 pp	$14,332
5Y	+9.86%	1.90%	-28.00%	+37.85 pp	$10,986
10Y	+91.71%	6.72%	-6.55%	+98.26 pp	$19,171
15Y	+150.88%	6.32%	+0.00%	+150.88 pp	$25,088
20Y	+192.84%	5.52%	+13.28%	+179.57 pp	$29,284
30Y	+192.85%	3.65%	+13.28%	+179.57 pp	$29,285

Risk & Highlights

Best Year+41.58%2021

Worst Year-18.15%2022

Max Drawdown-18.74%2025-07-10 → 2026-03-27

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-3.31%	-3.31%	—	+0.41%	-3.7pp
2025	+4.62%	-5.46%	+10.1pp	+16.64%	-12.0pp
2024	-1.28%	-10.36%	+9.1pp	+24.00%	-25.3pp
2023	+23.87%	+13.50%	+10.4pp	+24.81%	-0.9pp
2022	-18.15%	-25.91%	+7.8pp	-19.95%	+1.8pp

STWD underperformed the S&P 500 by 23.06pp over the past year (+5.38% vs +28.44%).

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STWD 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
STWDStarwood Property Trust, Inc.	$6.9B	+5.7%	+1.7%	+5.4%	+10.0pp	+43.3%	+9.9%	+91.7%
BXMTBlackstone Mortgage Trust, Inc.	$3.3B	+3.4%	+0.6%	+11.1%	+9.9pp	+45.7%	-3.3%	+53.4%
RCReady Capital Corporation	$330M	+23.5%	-6.1%	-48.9%	+6.1pp	-55.6%	-45.0%	+5.5%
ARIApollo Commercial Real Estate Finance, Inc.	$1.5B	+4.5%	+14.3%	+27.1%	+10.6pp	+52.5%	+13.6%	+64.1%
KREFKKR Real Estate Finance Trust Inc.	$422M	+7.2%	-18.2%	-18.6%	+10.8pp	-2.5%	-35.9%	-9.4%
TRTXTPG RE Finance Trust, Inc.	$664M	+10.5%	-0.3%	+24.5%	+12.6pp	+103.7%	+6.0%	-1.6%
GPMTGranite Point Mortgage Trust Inc.	$71M	+1.5%	-39.2%	-16.8%	+10.5pp	-38.5%	-65.9%	-50.8%
BRSPBrightSpire Capital, Inc.	$775M	+5.0%	+5.9%	+23.9%	+12.1pp	+49.6%	+10.7%	-35.6%
LADRLadder Capital Corp	$1.3B	+4.9%	-5.5%	+7.6%	+8.9pp	+40.2%	+28.3%	+84.6%
ACREAres Commercial Real Estate Corporation	$287M	+8.8%	+13.1%	+39.1%	+14.4pp	-1.1%	-28.2%	+49.2%
FBRTFranklin BSP Realty Trust, Inc.	$705M	+8.6%	-7.8%	-8.5%	+11.1pp	+3.8%	-10.6%	-10.6%

Compare:STWD vs BXMT STWD vs RC STWD vs ARI STWD vs BXMT vs RC

About STWD Dividend Returns

Starwood Property Trust, Inc. (STWD) 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 STWD over the past year?

Starwood Property Trust, Inc. (STWD) delivered a total return of 5.38% over the past year when dividends are reinvested. The price-only return was -4.65%, meaning dividends contributed an additional 10.03 percentage points to total returns.

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

A $10,000 investment in Starwood Property Trust, Inc. one year ago would be worth $10,538 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $9,535. Dividend reinvestment added $1,003 to the portfolio value.

Q3Does STWD pay dividends?

Yes, Starwood Property Trust, Inc. (STWD) pays dividends. In the last year, STWD 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 STWD beat the S&P 500?

No, Starwood Property Trust, Inc. (STWD) underperformed the S&P 500 by 23.06 percentage points over the past year. STWD delivered a total return of 5.38%, compared to the S&P 500's 28.44%. This means a passive S&P 500 index fund outperformed STWD by 23.06pp during this period.

Q5What is STWD's worst drawdown?

Starwood Property Trust, Inc. (STWD) experienced a maximum drawdown of -18.74% over the past year, declining from its peak on 2025-07-10 to its trough on 2026-03-27. 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 STWD's long-term total return over 10, 20, or 30 years?

Here are Starwood Property Trust, Inc. (STWD)'s long-term returns with dividends reinvested. Over 10 years, the total return is 91.7% (6.7% CAGR) — $10,000 would have grown to $19,171. Over 20 years: 192.8% total return (5.5% CAGR) — $10,000 → $29,284. Over 30 years: 192.8% total return (3.6% CAGR) — $10,000 → $29,285. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was STWD's best and worst year?

Starwood Property Trust, Inc.'s best calendar year was 2021 with a total return of 41.6%. Its worst year was 2022 with a total return of -18.1%. This range shows the volatility investors should expect — the difference between the best and worst year is 59.7 percentage points.