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Two Harbors Investment Corp. (TWO) Total Return Calculator with Dividends Reinvested

Two Harbors Investment Corp.

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The total return for Two Harbors Investment Corp. (TWO) stock is +15.26% over the past 12 months. So far it's up 22.31% this year. The 5-year total return is -28.18%, meaning $10,000 invested in TWO stock 5 years ago would be worth $7,182 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in TWO 1 year ago, it would be worth $12,100 today — you'd have gained $2,100 with dividends reinvested.

With Dividends Reinvested$12,100+21.00%

Price Only (No DRIP)$10,596+5.96%

Dividend Boost+$1,5034 payments · +15.03% extra

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in TWO

1Y$11,526+$1,526 (+15.3%)15.3% CAGR

3Y$14,574+$4,574 (+45.7%)13.4% CAGR

5Y$7,182-$2,818 (-28.2%)-6.4% CAGR

10Y$9,606-$394 (-3.9%)-0.4% CAGR

15Y$13,297+$3,297 (+33.0%)1.9% CAGR

20Y$18,892+$8,892 (+88.9%)3.2% CAGR

30Y$18,892+$8,892 (+88.9%)2.1% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-07-03	$0.39	$10.56	+0.036932
2025-10-03	$0.34	$9.81	+0.035939
2026-01-05	$0.34	$10.39	+0.035108
2026-04-02	$0.34	$11.12	+0.033877

Loading TWO total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+22.31%	—	+15.88%	+6.43 pp	$12,231
1Y	+15.26%	15.26%	+3.37%	+11.89 pp	$11,526
3Y	+45.74%	13.38%	+3.46%	+42.28 pp	$14,574
5Y	-28.18%	-6.41%	-60.96%	+32.77 pp	$7,182
10Y	-3.94%	-0.40%	-76.88%	+72.94 pp	$9,606
15Y	+32.97%	1.92%	-82.18%	+115.15 pp	$13,297
20Y	+88.92%	3.23%	-77.85%	+166.76 pp	$18,892
30Y	+88.92%	2.14%	-77.85%	+166.76 pp	$18,892

Risk & Highlights

Best Year+25.40%2019

Worst Year-53.30%2020

Max Drawdown-36.81%2026-01-16 → 2026-03-16

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+0.85%	-2.36%	+3.2pp	+0.41%	+0.4pp
2025	+1.17%	-12.43%	+13.6pp	+16.64%	-15.5pp
2024	-1.94%	-14.89%	+12.9pp	+24.00%	-25.9pp
2023	-1.05%	-14.01%	+13.0pp	+24.81%	-25.9pp
2022	-24.92%	-33.52%	+8.6pp	-19.95%	-5.0pp

TWO underperformed the S&P 500 by 13.18pp over the past year (+15.26% vs +28.44%).

Loading summary...

TWO 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
TWOTwo Harbors Investment Corp.	$1.3B	+11.4%	+22.3%	+15.3%	+11.9pp	+45.7%	-28.2%	-3.9%
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%
DXDynex Capital, Inc.	$2.7B	+3.4%	+0.8%	+26.5%	+16.8pp	+70.7%	+8.0%	+64.3%
MFAMFA Financial, Inc.	$975M	-2.5%	+4.0%	+10.9%	+14.5pp	+34.0%	-3.3%	+10.1%
IVRInvesco Mortgage Capital Inc.	$577M	-1.5%	+0.4%	+30.3%	+20.7pp	+32.3%	-47.7%	-29.9%
ARRARMOUR Residential REIT, Inc.	$2.1B	-0.2%	+0.9%	+24.9%	+17.8pp	+7.0%	-36.4%	-11.0%
ORCOrchid Island Capital, Inc.	$1.1B	-3.5%	+0.3%	+20.0%	+20.4pp	+16.4%	-38.0%	-4.1%
PMTPennyMac Mortgage Investment Trust	$1.1B	+1.5%	-0.9%	+7.0%	+12.5pp	+43.5%	+1.7%	+121.8%
MITTTPG Mortgage Investment Trust Inc	$251M	+5.7%	-4.7%	+32.9%	+13.4pp	+92.2%	+1.9%	-15.3%
EFCEllington Financial Inc.	$1.3B	+8.3%	-0.4%	+13.6%	+12.1pp	+49.2%	+21.2%	+75.7%

Compare:TWO vs AGNC TWO vs NLY TWO vs DX TWO vs AGNC vs NLY

About TWO Dividend Returns

Two Harbors Investment Corp. (TWO) 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 TWO over the past year?

Two Harbors Investment Corp. (TWO) delivered a total return of 15.26% over the past year when dividends are reinvested. The price-only return was 3.37%, meaning dividends contributed an additional 11.89 percentage points to total returns.

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

A $10,000 investment in Two Harbors Investment Corp. one year ago would be worth $11,526 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $10,337. Dividend reinvestment added $1,189 to the portfolio value.

Q3Does TWO pay dividends?

Yes, Two Harbors Investment Corp. (TWO) pays dividends. In the last year, TWO paid approximately $1.64 per share in dividends (13.38% 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 TWO beat the S&P 500?

No, Two Harbors Investment Corp. (TWO) underperformed the S&P 500 by 13.18 percentage points over the past year. TWO delivered a total return of 15.26%, compared to the S&P 500's 28.44%. This means a passive S&P 500 index fund outperformed TWO by 13.18pp during this period.

Q5What is TWO's worst drawdown?

Two Harbors Investment Corp. (TWO) experienced a maximum drawdown of -36.81% over the past year, declining from its peak on 2026-01-16 to its trough on 2026-03-16. 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 TWO's long-term total return over 10, 20, or 30 years?

Here are Two Harbors Investment Corp. (TWO)'s long-term returns with dividends reinvested. Over 10 years, the total return is -3.9% (-0.4% CAGR) — $10,000 would have grown to $9,606. Over 20 years: 88.9% total return (3.2% CAGR) — $10,000 → $18,892. Over 30 years: 88.9% total return (2.1% CAGR) — $10,000 → $18,892. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was TWO's best and worst year?

Two Harbors Investment Corp.'s best calendar year was 2019 with a total return of 25.4%. Its worst year was 2020 with a total return of -53.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 78.7 percentage points.