Aspen Group

10-Year Study

APZ.AU · Real Estate · AU · Common Stock

Executive Summary: Aspen Group has compounded at 21.5% annually over the last 10 years, with a maximum drawdown of 100.0% and an annualized volatility of 1004.0%.

1Y CAGR
-100.0%
3Y CAGR
-89.5%
5Y CAGR
-72.0%
10Y CAGR
+21.5%

History & Riski10-year historical performance analysis including CAGR, Max Drawdown, Sharpe & Sortino ratios, annual returns, and rolling volatility — all computed from daily market data.

10-Year Growth of $10,000

Max DrawdownMax DrawdownThe largest peak-to-trough decline in the asset's value over the measurement period.Click for full definition →
100.0%
Sharpe RatioSharpe RatioRisk-adjusted return: how much excess return you earn per unit of total risk (volatility).Click for full definition →
60272928233283903488.00
Sortino RatioSortino RatioLike Sharpe, but only penalizes downside volatility — a more accurate risk measure for asymmetric return distributions.Click for full definition →
1.0639845532547132e+23
Ann. VolatilityAnnualized VolatilityThe annualized standard deviation of an asset's returns — a measure of how much prices fluctuate.Click for full definition →
153381.5%
Best YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2019 · +297772.4%
Worst YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2025 · -99.9%
% Positive Years% Positive YearsThe percentage of calendar years in the measurement period where the asset delivered a positive return.Click for full definition →
70%

Annual Returns

Rolling 12-Month Returns

Rolling 12-Month Annualised Volatility

Historical Drawdowns

Monthly Returns

Monthly Returns Heatmap

YearJanFebMarAprMayJunJulAugSepOctNovDecAnn.
2026-9.519.1-26.86.8————————-15.7%
20257.7-8.1-99.9201341.9-4.26.1-3.313.014.80.0-99.98.7-99.9%
2024-7.3-1.26.014.43.0-1.36.21.11.3-2.6-1.3-0.217.7%
20231.1-4.8-5.111.911.2-2.5-6.00.23.3-4.418.26.329.8%
20222.1-2.1-5.17.05.70.510.7-100.0255265.14.9-9.5-7.425.4%
20218.4-9.04.2-7.010.5-0.2-5.36.54.1-10.9-4.69.33.0%
2020-9.9-18.2-20.512.312.510.812.61.45.3-5.3-100.0249379.213.3%
2019-1.0-1.60.0274425.0-2.1-4.1-14.0-0.59.326.91.5-1.6297772.4%
20181.0-3.8-3.5-1.5-3.15.00.52.1-1.5-1.5-0.55.7-1.8%
2017-4.8-1.9-2.95.54.32.31.80.9-5.34.8-0.90.13.2%
2016———8.52.26.13.3-5.6-6.01.8-8.59.810.3%

Risk X-RayiA 19-factor macroeconomic risk decomposition showing exactly which market forces (equity beta, rates, inflation, credit, commodity, crypto) drive this asset's volatility. Powered by multivariate regression against daily factor returns.

Risk Profile Insight: This asset has an estimated annualized volatility of 1004.0%. The dominant macroeconomic risk driver is SHV.US, accounting for 21.5% of variance. Idiosyncratic stock-specific factors contribute 39.3%.

10-Year Historical Price Series (Growth of $10,000)
DateSimulated Value
2016-03-0110000
2016-04-0110849.100860046912
2016-05-0111085.2228303362
2016-06-0111763.878029710713
2016-07-0112156.372165754496
2016-08-0111469.898358092261
2016-09-0110783.424550430023
2016-10-0110980.45347928069
2016-11-0110048.475371383895
2016-12-0111028.928850664583
2017-01-0110503.518373729477
2017-02-0110303.362001563723
2017-03-0110003.127443315092
2017-04-0110553.557466770915
2017-05-0111003.909304143865
2017-06-0111261.923377638781
2017-07-0111466.77091477717
2017-08-0111569.976544175139
2017-09-0110955.43393275997
2017-10-0111482.408131352619
2017-11-0111374.51133698202
2017-12-0111385.457388584831
2018-01-0111494.91790461298
2018-02-0111057.07584050039
2018-03-0110673.964034401877
2018-04-0110509.773260359656
2018-05-0110181.391712275215
2018-06-0110689.601250977328
2018-07-0110745.895230648945
2018-08-0110969.507427677874
2018-09-0110802.189210320563
2018-10-0110634.870992963255
2018-11-0110578.577013291635
2018-12-0111180.609851446443
2019-01-0111066.458170445661
2019-02-0110894.448788115717
2019-03-0110894.448788115717
2019-04-0129907990.098465603
2019-05-0129290474.659768373
2019-06-0128102641.758087374
2019-07-0124181600.157593824
2019-08-0124049067.49352522
2019-09-0126277813.706386827
2019-10-0133337755.479134094
2019-11-0133845552.70841478
2019-12-0133303953.74193706
2020-01-0130011393.86544664
2020-02-0124557752.33336591
2020-03-0119524076.579603206
2020-04-0121927411.01751857
2020-05-0124671326.399408717
2020-06-0127333770.584929634
2020-07-0130769294.93561865
2020-08-0131188668.973563332
2020-09-0132840540.858336594
2020-10-0131093253.701622363
2020-11-0115124.315871774825
2020-12-0137732027.126905784
2021-01-0140913513.51764073
2021-02-0137250487.89948202
2021-03-0138821096.65143667
2021-04-0136103271.29349101
2021-05-0139897491.478938624
2021-06-0139822951.28029711
2021-07-0137722334.03782252
2021-08-0140192414.88101056
2021-09-0141856808.75561963
2021-10-0137275398.26035966
2021-11-0135559992.54788898
2021-12-0138882045.90989055
2022-01-0139686117.99990227
2022-02-0138850542.41594996
2022-03-0136860607.34704848
2022-04-0139458847.70206216
2022-05-0141715050.66824668
2022-06-0141919071.29593433
2022-07-0146405978.94473221
2022-08-0121712.27521501173
2022-09-0155445580.501123935
2022-10-0158146432.45455434
2022-11-0152620146.2018667
2022-12-0148742910.56855943
2023-01-0149280516.24193706
2023-02-0146902830.88594605
2023-03-0144531185.09944293
2023-04-0149850583.64689211
2023-05-0155450864.17000587
2023-06-0154063820.91722049
2023-07-0150823103.22395427
2023-08-0150942821.84568022
2023-09-0152627628.854329556
2023-10-0150316073.348319
2023-11-0159497413.90368452
2023-12-0163262474.65060595
2024-01-0158622565.84734167
2024-02-0157901917.6969312
2024-03-0161366206.35628421
2024-04-0170192563.77052385
2024-05-0172269771.00029321
2024-06-0171346052.82447225
2024-07-0175769934.39698984
2024-08-0176575495.38213448
2024-09-0177590479.01192339
2024-10-0175558961.77433541
2024-11-0174589515.4295348
2024-12-0174435914.89933541
2025-01-0180184668.80863957
2025-02-0173690306.75820954
2025-03-0142661.454261141516
2025-04-0185938065.01661454
2025-05-0182333510.98270133
2025-06-0187319683.34636435
2025-07-0184417513.68256451
2025-08-0195433932.75996874
2025-09-01109546520.71931198
2025-10-01109569976.54417515
2025-11-0183297.88897576233
2025-12-0190539.48397185301
2026-01-0181939.01485535575
2026-02-0197576.23143080533
2026-03-0171462.07974980454
2026-04-0176309.6168881939
Annual Return Matrix
YearAnnual Return
20170.03232666950233942
2018-0.01799203406125527
20192977.724254261364
20200.1329593903258639
20210.03047858465480391
20220.2536097169763525
20230.29788053098766043
20240.17662034737717058
2025-0.9987836586129922
2026-0.15716753022452512
Total Factor Risk
10.040237862734694
VTI.US Exposure
0.10258817267473004
VEA.US Exposure
0.00351178619019998
VWO.US Exposure
0.004122379823359827
QQQ.US Exposure
0.003859178403742941
VTV.US Exposure
0.04763782074947434
IJR.US Exposure
0.007051717511431269
QUAL.US Exposure
0.06012234126916464
SHV.US Exposure
0.21475971888530668
TLT.US Exposure
0.009743296978087155
LQD.US Exposure
0.028161649198617057
HYG.US Exposure
0.019659286175524055
GLD.US Exposure
-0.00005894507930699561
USO.US Exposure
0.06193240016309231
VNQ.US Exposure
-0.000049238715720944274
BTC-USD.CC Exposure
0.02638659883454044
CPER.US Exposure
-0.0035691046504605192
VIX.INDX Exposure
0.012920664431792033
UUP.US Exposure
0.005621719985988543
TIP.US Exposure
0.003028425916207364
Idiosyncratic Exposure
0.3925701312542297
Value Score
43.4
Growth Score
50
Profit Score
37.5
Health Score
23.6
Yield Score
27.1
Moat Score
40

Factor Risk Decomposition

Share of annualised volatility attributable to each macro factor.

Total Est. Vol
1004.0%

FundamentalsiCompany financial health metrics: P/E valuation, dividend yield, Piotroski F-Score (9-point profitability signal), Altman Z-Score (bankruptcy risk proxy), and a radar chart across 6 fundamental dimensions. Note: ETFs may show N/A for some metrics.

Fundamental Dimensions

Core Valuation

P/E Ratio (TTM)P/E RatioPrice-to-Earnings ratio — the market price of a stock divided by its earnings per share, a key valuation measure.Click for full definition →16.4x
Dividend YieldDividend YieldAnnual dividend paid per share divided by the current share price — expressed as a percentage income return.Click for full definition →2.26%
Market Cap$1.0B
Piotroski F-ScorePiotroski F-ScoreA 9-point scoring system evaluating a company's financial strength across profitability, leverage, and operating efficiency.Click for full definition →
9-point profitability signal
0.0/ 9
Weak
Altman Z-ScoreAltman Z-ScoreA bankruptcy prediction model that combines 5 financial ratios into a single score indicating financial distress risk.Click for full definition →
Bankruptcy risk proxy
1.18
Distress Zone
Income Simulation

Based on $10,000 initial investment.

Total Income Generated
$860
Avg Yield on Cost
8.60%
Annual Income Simulation Table
Historical Realised Yields
YearAnnual PayoutYield on CostQuality
2025$860.058.60%Solid

Momentum & MacroiPrice momentum indicators relative to key technical levels: distance from 50-Day SMA (intermediate trend), 200-Day SMA (long-term trend), 52-Week High (bullish proximity), and Beta (market sensitivity coefficient).

vs 50-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
-7.4%
Above/below 50-day moving average
vs 200-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
-99.8%
Above/below 200-day moving average
vs 52-Week High52-Week HighThe highest price an asset reached in the past 52 weeks — a key reference for momentum and valuation context.Click for full definition →
99.9% from high
Distance from 52-week high
BetaBetaA measure of an asset's sensitivity to broad market movements relative to a benchmark (e.g. S&P 500).Click for full definition →
0.66
Market sensitivity coefficient

Frequently Asked Questions & Methodology

Is Aspen Group a high-risk investment?

Aspen Group (APZ.AU) has an annualized volatility of 1004.0% and experienced a maximum drawdown of 100.0% over the last 10 years. Its primary macro risk driver is SHV.US.

What is the 10-year return of APZ.AU?

Over the past 10 years, APZ.AU has generated a Compound Annual Growth Rate (CAGR) of 21.5%. It has had a positive return in 70% of the years measured.

Data Methodology & Trust

The risk and return information on this page is pre-calculated mathematically using daily market data spanning a 10-year period. Fundamentals (such as P/E Ratio, Market Cap, and Dividend Yield) represent trailing averages and may not immediately reflect real-time live market fluctuations. Advanced scoring models like the Piotroski F-Score and Altman Z-Score are proxies applied to publicly available trailing-twelve-month financial statements and may not account for recent off-balance-sheet events, qualitative company shifts, or sector-specific capital structures. Macroeconomic factor exposures are estimated via multivariate regression against standard market indices. This data is provided for quantitative insight and backtesting research, and should not be misconstrued as tailored financial advice.

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