# Cardstack USD (CARDUSD) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

Cardstack USD (CARDUSD) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: CARDUSD -97.94%, SPY +86.64%. Regime CARDUSD CRISIS · SPY BULL. As of Oct 13, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/CARDUSD/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=CARDUSD%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| CARDUSD | -97.94% | -98.95% | -60.00% |
| SPY | +86.64% | -24.49% | +14.78% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| CARDUSD | -60.00% | -50.00% | -60.00% | -97.94% |
| SPY | +18.61% | +36.22% | +86.97% | +86.64% |

## Annual

| Year | CARDUSD | SPY |
|---|---:|---:|
| YTD | -60.00% | +14.78% |
| 2025 | -69.23% | +18.01% |
| 2024 | +150.00% | +25.59% |
| 2023 | -57.14% | +26.73% |
| 2022 | -82.28% | -18.64% |
| 2021 | -17.53% | +6.90% |

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Research context only. Not personalized investment advice.