# `zfin perf`

Show Morningstar-style trailing returns for a symbol.

```
Usage: zfin perf <SYMBOL>
```

`perf` prints 1Y/3Y/5Y/10Y **price-only** and **total-return** CAGR
plus risk metrics (Sharpe, max drawdown, volatility), in two tables:
an **as-of** table (through the latest cached close) and a
**month-end** table (through the most recent calendar month-end, the
way funds quote their stats). Total returns require `POLYGON_API_KEY`
for dividend history; price-only returns work without it.

## Example

```bash
ZFIN_HOME=examples/pre-retirement-both zfin perf VTI
```

```
Trailing Returns for VTI
========================================
Data points: 6290 (2001-05-31 to 2026-06-04)
Latest close: $373.38

As-of 2026-06-04:
                           Price Only   Total Return
---------------------- -------------- --------------
  1-Year Return:              27.29%        28.79%
  3-Year Return:              20.75%        22.22%  ann.
  5-Year Return:              11.22%        12.80%  ann.
  10-Year Return:             13.19%        15.10%  ann.

Month-end (2026-05-31):
  ... (same shape, through last month-end)

Risk Metrics (monthly returns):
                           Volatility         Sharpe         Max DD
  1-Year:                      12.7%          1.65          5.5%
```

## See also

- [Returns and performance](../../explanation/returns-and-performance.md) -- what the columns mean.
- [`review`](review.md) -- the same metrics for every holding at once.
- [`quote`](quote.md) -- the latest price with a short chart.

---

[CLI command reference](index.md)