KREF Roast Me: 40-Quarter Scorecard

40 QUARTERS × 3 ROAST BATTLES

18/120 All 120 Win/Lose results shown below

Every strict quarterly win earns 1 point. A loss, tie, or unavailable scoring value earns 0. Gray context columns never affect the score. CEO quarterly pay is the explicitly marked annual ÷ 4 estimate.

Trailing 1 year (4 quarters): 2 wins, 10 lossesLast fetched: 4 Sept 2026

Complete point ledger

Each cell identifies the missing side explicitly. Unavailable evidence scores 0 only in Win/Lose columns; gray columns award no points.

Quarter	Total return	Revenue growth	EPS growth	Net marginNon-scoring	Trailing P/ENon-scoring	Price/bookNon-scoring	CEO quarterly payNon-scoring	Implied DilutionNon-scoring	Implied BuybackNon-scoring
2026-Q21/3	LoseKREF / S&P 13.37% / 15.20%	LoseKREF / S&P KREF unavailable / 15.00%	WinKREF / S&P 396.97% / 50.40%	Non-scoringKREF / S&P KREF unavailable / 15.70%	Non-scoringKREF / S&P KREF unavailable / 28.47	Non-scoringKREF / S&P 0.43 / S&P unavailable	Non-scoringKREF / S&P KREF unavailable / S&P unavailable	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.36b
2026-Q10/3	LoseKREF / S&P -22.46% / -4.33%	LoseKREF / S&P KREF unavailable / 11.30%	LoseKREF / S&P -1262.50% / 27.70%	Non-scoringKREF / S&P KREF unavailable / 14.80%	Non-scoringKREF / S&P KREF unavailable / 25.43	Non-scoringKREF / S&P 0.36 / S&P unavailable	Non-scoringKREF / S&P KREF unavailable / S&P unavailable	Non-scoringKREF / S&P KREF unavailable / $0.27b	Non-scoringKREF / S&P KREF unavailable / $0.00b
2025-Q40/3	LoseKREF / S&P -5.89% / 2.65%	LoseKREF / S&P KREF unavailable / 9.00%	LoseKREF / S&P -683.33% / 13.40%	Non-scoringKREF / S&P KREF unavailable / 13.20%	Non-scoringKREF / S&P KREF unavailable / 28.48	Non-scoringKREF / S&P 0.45 / 5.39	Non-scoringKREF / S&P KREF unavailable / $4.42m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.20b
2025-Q31/3	LoseKREF / S&P 5.50% / 8.12%	LoseKREF / S&P KREF unavailable / 4.61%	WinKREF / S&P 16.67% / 13.45%	Non-scoringKREF / S&P KREF unavailable / 11.78%	Non-scoringKREF / S&P KREF unavailable / 28.13	Non-scoringKREF / S&P 0.48 / 5.27	Non-scoringKREF / S&P KREF unavailable / $4.42m	Non-scoringKREF / S&P KREF unavailable / $0.11b	Non-scoringKREF / S&P KREF unavailable / $0.00b
2025-Q20/3	LoseKREF / S&P -16.48% / 10.94%	LoseKREF / S&P KREF unavailable / 4.83%	LoseKREF / S&P -430.00% / 10.63%	Non-scoringKREF / S&P KREF unavailable / 11.45%	Non-scoringKREF / S&P KREF unavailable / 27.10	Non-scoringKREF / S&P 0.46 / 5.01	Non-scoringKREF / S&P KREF unavailable / $4.42m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.23b
2025-Q11/3	WinKREF / S&P 9.43% / -4.27%	LoseKREF / S&P KREF unavailable / 4.98%	LoseKREF / S&P -134.78% / 10.57%	Non-scoringKREF / S&P KREF unavailable / 11.39%	Non-scoringKREF / S&P 21.65 / 26.23	Non-scoringKREF / S&P 0.56 / 4.69	Non-scoringKREF / S&P KREF unavailable / $4.42m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.10b
2024-Q40/3	LoseKREF / S&P -16.15% / 2.41%	LoseKREF / S&P KREF unavailable / 5.25%	LoseKREF / S&P -123.08% / 6.15%	Non-scoringKREF / S&P KREF unavailable / 11.29%	Non-scoringKREF / S&P 19.50 / 28.60	Non-scoringKREF / S&P 0.52 / 4.99	Non-scoringKREF / S&P KREF unavailable / $4.28m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.08b
2024-Q31/3	WinKREF / S&P 39.26% / 5.89%	LoseKREF / S&P KREF unavailable / 5.89%	LoseKREF / S&P 3.45% / 6.11%	Non-scoringKREF / S&P KREF unavailable / 10.87%	Non-scoringKREF / S&P 349.64 / 28.09	Non-scoringKREF / S&P 0.63 / 4.94	Non-scoringKREF / S&P KREF unavailable / $4.28m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.21b
2024-Q20/3	LoseKREF / S&P -7.52% / 4.28%	LoseKREF / S&P KREF unavailable / 5.38%	LoseKREF / S&P -115.38% / 5.12%	Non-scoringKREF / S&P KREF unavailable / 10.85%	Non-scoringKREF / S&P 16.97 / 27.64	Non-scoringKREF / S&P 0.45 / 4.79	Non-scoringKREF / S&P KREF unavailable / $4.28m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.36b
2024-Q10/3	LoseKREF / S&P -22.02% / 10.56%	LoseKREF / S&P KREF unavailable / 5.71%	LoseKREF / S&P -29.23% / 5.59%	Non-scoringKREF / S&P KREF unavailable / 10.81%	Non-scoringKREF / S&P KREF unavailable / 27.02	Non-scoringKREF / S&P 0.50 / 4.71	Non-scoringKREF / S&P KREF unavailable / $4.28m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.12b
2023-Q41/3	WinKREF / S&P 15.00% / 11.69%	LoseKREF / S&P KREF unavailable / 6.81%	LoseKREF / S&P -400.00% / 7.78%	Non-scoringKREF / S&P KREF unavailable / 11.19%	Non-scoringKREF / S&P KREF unavailable / 24.35	Non-scoringKREF / S&P 0.65 / 4.31	Non-scoringKREF / S&P KREF unavailable / $4.08m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.01b
2023-Q31/3	WinKREF / S&P 1.13% / -3.27%	LoseKREF / S&P KREF unavailable / 7.52%	LoseKREF / S&P -146.03% / -5.03%	Non-scoringKREF / S&P KREF unavailable / 10.84%	Non-scoringKREF / S&P 346.99 / 23.93	Non-scoringKREF / S&P 0.56 / 3.98	Non-scoringKREF / S&P KREF unavailable / $4.08m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.24b
2023-Q21/3	WinKREF / S&P 10.67% / 8.74%	LoseKREF / S&P KREF unavailable / 9.50%	LoseKREF / S&P -168.42% / -8.57%	Non-scoringKREF / S&P KREF unavailable / 10.88%	Non-scoringKREF / S&P KREF unavailable / 24.01	Non-scoringKREF / S&P 0.58 / 4.19	Non-scoringKREF / S&P KREF unavailable / $4.08m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.17b
2023-Q10/3	LoseKREF / S&P -15.20% / 7.50%	LoseKREF / S&P KREF unavailable / 10.77%	LoseKREF / S&P -130.37% / -15.69%	Non-scoringKREF / S&P KREF unavailable / 10.82%	Non-scoringKREF / S&P KREF unavailable / 22.66	Non-scoringKREF / S&P 0.52 / 3.93	Non-scoringKREF / S&P KREF unavailable / $4.08m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.13b
2022-Q40/3	LoseKREF / S&P -11.39% / 7.56%	LoseKREF / S&P KREF unavailable / 11.88%	LoseKREF / S&P -88.18% / -17.99%	Non-scoringKREF / S&P KREF unavailable / 11.09%	Non-scoringKREF / S&P 25.31 / 22.65	Non-scoringKREF / S&P 0.61 / 3.75	Non-scoringKREF / S&P KREF unavailable / $3.70m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.15b
2022-Q31/3	WinKREF / S&P -4.54% / -4.88%	LoseKREF / S&P KREF unavailable / 13.47%	LoseKREF / S&P -70.42% / -1.41%	Non-scoringKREF / S&P KREF unavailable / 12.28%	Non-scoringKREF / S&P 19.39 / 20.58	Non-scoringKREF / S&P 0.71 / 3.60	Non-scoringKREF / S&P KREF unavailable / $3.70m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.17b
2022-Q21/3	WinKREF / S&P -13.26% / -16.10%	LoseKREF / S&P KREF unavailable / 13.71%	LoseKREF / S&P -10.38% / 11.04%	Non-scoringKREF / S&P KREF unavailable / 13.03%	Non-scoringKREF / S&P 8.90 / 20.28	Non-scoringKREF / S&P 0.73 / 3.78	Non-scoringKREF / S&P KREF unavailable / $3.70m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.17b
2022-Q11/3	WinKREF / S&P 1.01% / -4.60%	LoseKREF / S&P KREF unavailable / 15.97%	LoseKREF / S&P 0.94% / 42.23%	Non-scoringKREF / S&P KREF unavailable / 14.22%	Non-scoringKREF / S&P 9.82 / 22.19	Non-scoringKREF / S&P 0.85 / 4.51	Non-scoringKREF / S&P KREF unavailable / $3.70m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.20b
2021-Q41/3	LoseKREF / S&P 0.75% / 11.03%	LoseKREF / S&P KREF unavailable / 15.00%	WinKREF / S&P 122.22% / 96.40%	Non-scoringKREF / S&P KREF unavailable / 15.13%	Non-scoringKREF / S&P 9.32 / 23.63	Non-scoringKREF / S&P 0.94 / 4.73	Non-scoringKREF / S&P KREF unavailable / $3.63m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.13b
2021-Q31/3	LoseKREF / S&P -0.49% / 0.58%	LoseKREF / S&P KREF unavailable / 10.77%	WinKREF / S&P 136.67% / 69.42%	Non-scoringKREF / S&P KREF unavailable / 14.13%	Non-scoringKREF / S&P 9.34 / 25.35	Non-scoringKREF / S&P 0.95 / 4.38	Non-scoringKREF / S&P KREF unavailable / $3.63m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.19b
2021-Q22/3	WinKREF / S&P 21.46% / 8.55%	LoseKREF / S&P KREF unavailable / 6.58%	WinKREF / S&P 182.67% / 51.81%	Non-scoringKREF / S&P KREF unavailable / 13.34%	Non-scoringKREF / S&P 9.93 / 26.70	Non-scoringKREF / S&P 0.98 / 4.43	Non-scoringKREF / S&P KREF unavailable / $3.63m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.11b
2021-Q11/3	LoseKREF / S&P 5.01% / 6.17%	LoseKREF / S&P KREF unavailable / -1.06%	WinKREF / S&P 300.00% / 7.39%	Non-scoringKREF / S&P KREF unavailable / 11.60%	Non-scoringKREF / S&P 8.59 / 30.50	Non-scoringKREF / S&P 0.97 / 4.23	Non-scoringKREF / S&P KREF unavailable / $3.63m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.10b
2020-Q40/3	LoseKREF / S&P 10.99% / 12.15%	LoseKREF / S&P KREF unavailable / -3.72%	LoseKREF / S&P -36.94% / -33.42%	Non-scoringKREF / S&P KREF unavailable / 8.86%	Non-scoringKREF / S&P 18.32 / 39.26	Non-scoringKREF / S&P 0.96 / 4.05	Non-scoringKREF / S&P KREF unavailable / $3.17m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.01b
2020-Q30/3	LoseKREF / S&P 2.25% / 8.93%	LoseKREF / S&P KREF unavailable / -2.04%	LoseKREF / S&P -38.78% / -27.10%	Non-scoringKREF / S&P KREF unavailable / 9.24%	Non-scoringKREF / S&P 18.33 / 34.27	Non-scoringKREF / S&P 0.88 / 3.65	Non-scoringKREF / S&P KREF unavailable / $3.17m	Non-scoringKREF / S&P KREF unavailable / $0.02b	Non-scoringKREF / S&P KREF unavailable / $0.00b
2020-Q20/3	LoseKREF / S&P 13.28% / 20.54%	LoseKREF / S&P KREF unavailable / -0.46%	LoseKREF / S&P -47.55% / -27.11%	Non-scoringKREF / S&P KREF unavailable / 9.37%	Non-scoringKREF / S&P 21.54 / 31.29	Non-scoringKREF / S&P 0.89 / 3.44	Non-scoringKREF / S&P KREF unavailable / $3.17m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.03b
2020-Q10/3	LoseKREF / S&P -24.41% / -19.60%	LoseKREF / S&P KREF unavailable / 3.47%	LoseKREF / S&P -66.24% / -14.75%	Non-scoringKREF / S&P KREF unavailable / 10.68%	Non-scoringKREF / S&P 26.91 / 22.80	Non-scoringKREF / S&P 0.81 / 2.92	Non-scoringKREF / S&P KREF unavailable / $3.17m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.05b
2019-Q40/3	LoseKREF / S&P 6.76% / 9.07%	LoseKREF / S&P KREF unavailable / 5.36%	LoseKREF / S&P -0.63% / 2.99%	Non-scoringKREF / S&P KREF unavailable / 12.81%	Non-scoringKREF / S&P 13.05 / 22.78	Non-scoringKREF / S&P 1.05 / 3.53	Non-scoringKREF / S&P KREF unavailable / $3.08m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.05b
2019-Q30/3	LoseKREF / S&P 0.19% / 1.70%	LoseKREF / S&P KREF unavailable / 5.02%	LoseKREF / S&P -6.37% / 0.21%	Non-scoringKREF / S&P KREF unavailable / 12.41%	Non-scoringKREF / S&P 12.91 / 22.44	Non-scoringKREF / S&P 1.00 / 3.30	Non-scoringKREF / S&P KREF unavailable / $3.08m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.09b
2019-Q20/3	LoseKREF / S&P 1.68% / 4.30%	LoseKREF / S&P KREF unavailable / 6.64%	LoseKREF / S&P -5.92% / 8.65%	Non-scoringKREF / S&P KREF unavailable / 12.79%	Non-scoringKREF / S&P 13.62 / 21.37	Non-scoringKREF / S&P 1.02 / 3.32	Non-scoringKREF / S&P KREF unavailable / $3.08m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.27b
2019-Q10/3	LoseKREF / S&P 6.80% / 13.65%	LoseKREF / S&P KREF unavailable / 8.12%	LoseKREF / S&P 13.77% / 14.29%	Non-scoringKREF / S&P KREF unavailable / 12.97%	Non-scoringKREF / S&P 12.68 / 20.86	Non-scoringKREF / S&P 1.02 / 3.26	Non-scoringKREF / S&P KREF unavailable / $3.08m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $34.35b
2018-Q42/3	WinKREF / S&P -2.90% / -13.52%	LoseKREF / S&P KREF unavailable / 9.05%	WinKREF / S&P 18.80% / 18.23%	Non-scoringKREF / S&P KREF unavailable / 13.10%	Non-scoringKREF / S&P 12.29 / 19.39	Non-scoringKREF / S&P 0.97 / 2.94	Non-scoringKREF / S&P KREF unavailable / $3.00m	Non-scoringKREF / S&P KREF unavailable / $0.01b	Non-scoringKREF / S&P KREF unavailable / $0.00b
2018-Q30/3	LoseKREF / S&P 4.19% / 7.71%	LoseKREF / S&P KREF unavailable / 10.21%	LoseKREF / S&P 4.67% / 19.06%	Non-scoringKREF / S&P KREF unavailable / 13.01%	Non-scoringKREF / S&P 13.70 / 22.25	Non-scoringKREF / S&P 1.02 / 3.45	Non-scoringKREF / S&P KREF unavailable / $3.00m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.17b
2018-Q20/3	LoseKREF / S&P 0.77% / 3.43%	LoseKREF / S&P KREF unavailable / 9.03%	LoseKREF / S&P -8.43% / 14.46%	Non-scoringKREF / S&P KREF unavailable / 12.56%	Non-scoringKREF / S&P 12.81 / 22.49	Non-scoringKREF / S&P 1.00 / 3.25	Non-scoringKREF / S&P KREF unavailable / $3.00m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.19b
2018-Q11/3	WinKREF / S&P 2.27% / -0.76%	LoseKREF / S&P KREF unavailable / 7.68%	LoseKREF / S&P -26.20% / 12.46%	Non-scoringKREF / S&P KREF unavailable / 12.27%	Non-scoringKREF / S&P 14.77 / 23.41	Non-scoringKREF / S&P 1.01 / 3.17	Non-scoringKREF / S&P KREF unavailable / $3.00m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.08b
2017-Q40/3	LoseKREF / S&P -3.16% / 6.64%	LoseKREF / S&P KREF unavailable / 7.03%	LoseKREF / S&P KREF unavailable / 13.82%	Non-scoringKREF / S&P KREF unavailable / 12.09%	Non-scoringKREF / S&P 18.19 / 24.25	Non-scoringKREF / S&P 1.01 / 3.23	Non-scoringKREF / S&P KREF unavailable / $2.92m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.05b
2017-Q30/3	LoseKREF / S&P -0.41% / 4.48%	LoseKREF / S&P KREF unavailable / 5.68%	LoseKREF / S&P KREF unavailable / 17.57%	Non-scoringKREF / S&P KREF unavailable / 12.04%	Non-scoringKREF / S&P 21.16 / 23.28	Non-scoringKREF / S&P 1.06 / 3.08	Non-scoringKREF / S&P KREF unavailable / $2.92m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.11b
2017-Q20/3	LoseKREF / S&P KREF unavailable / 3.09%	LoseKREF / S&P KREF unavailable / 4.83%	LoseKREF / S&P KREF unavailable / 17.74%	Non-scoringKREF / S&P KREF unavailable / 11.96%	Non-scoringKREF / S&P 25.13 / 23.40	Non-scoringKREF / S&P 1.08 / 3.03	Non-scoringKREF / S&P KREF unavailable / $2.92m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.08b
2017-Q10/3	LoseKREF / S&P KREF unavailable / 6.07%	LoseKREF / S&P KREF unavailable / 3.67%	LoseKREF / S&P KREF unavailable / 13.32%	Non-scoringKREF / S&P KREF unavailable / 11.75%	Non-scoringKREF / S&P KREF unavailable / 23.60	Non-scoringKREF / S&P KREF unavailable / 3.01	Non-scoringKREF / S&P KREF unavailable / $2.92m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $20.24b
2016-Q40/3	LoseKREF / S&P KREF unavailable / 3.82%	LoseKREF / S&P KREF unavailable / 2.09%	LoseKREF / S&P KREF unavailable / 7.05%	Non-scoringKREF / S&P KREF unavailable / 11.37%	Non-scoringKREF / S&P KREF unavailable / 23.76	Non-scoringKREF / S&P KREF unavailable / 2.91	Non-scoringKREF / S&P KREF unavailable / $2.88m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $1.11b
2016-Q30/3	LoseKREF / S&P KREF unavailable / 3.85%	LoseKREF / S&P KREF unavailable / 0.20%	LoseKREF / S&P KREF unavailable / -3.15%	Non-scoringKREF / S&P KREF unavailable / 10.82%	Non-scoringKREF / S&P KREF unavailable / 24.22	Non-scoringKREF / S&P KREF unavailable / 2.78	Non-scoringKREF / S&P KREF unavailable / $2.88m	Non-scoringKREF / S&P KREF unavailable / $0.00b	Non-scoringKREF / S&P KREF unavailable / $0.16b

Dividend-reinvested, split-adjusted total return

1Y · 2025-08-29 to 2026-08-27

Metric	KREF total return	S&P 500 Total Return Index
Total return	-11.56%	20.78%
Annualized return	-11.56%	20.78%

5Y · 2021-09-01 to 2026-08-27

Metric	KREF total return	S&P 500 Total Return Index
Total return	-39.36%	83.14%
Annualized return	-9.52%	12.86%

10Y · 2017-05-05 to 2026-08-27

Metric	KREF total return	S&P 500 Total Return Index
Total return	-13.76%	319.30%
Annualized return	-1.47%	15.41%

Calculation rules

window: Latest 40 completed benchmark quarters; unavailable issuer evidence remains visible and scores 0.
return Basis: Issuer adjusted close reinvests distributions and normalizes splits; the S&P 500 Total Return Index is the direct benchmark.
point Rule: Strict same-quarter win = 1. Loss, tie or unavailable evidence = 0. No partial or subjective points.
frequency: Quarter endpoints only.
fundamentals: Trailing-four-quarter issuer revenue and EPS growth use the issuer's normalized government-filed facts.
non Scoring: Net margin, P/E, P/B and other gray context columns never enter the score.

Snapshot captured 2026-09-04.