# Virtus Total Return Fund Inc. (ZTR) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Capital Markets. Price $6.77, market value $338 million.

## Valuation
- **P/E (trailing): 5.6×** (5-yr avg 7.7×, 3-yr avg 7.7×). Virtus Total Return Fund Inc. trades at 5.6× trailing earnings, well below its own five-year average of 7.7×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 7.3×**. Each dollar of revenue is priced at 7.3×.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 21.6%** (5-yr avg 21.8%). Free cash flow equals 21.6% of the market value, in line with its five-year average of 21.8%. Above 5% is generally attractive.
- **Earnings yield: 17.7%**. The inverse of the P/E: 17.7% of the price is earned each year.

## Profitability
- **Net margin: 94.6%**. 94.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.9%**. 10.9% on shareholders' equity is solid.
- **Return on assets: 7.7%**. Each dollar of assets produces 7.7% of profit; low single digits are normal for banks and insurers.

## Financial health
- **Cash and short-term investments: $2 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 9.75%** ($0.60 per share, trailing). Virtus Total Return Fund Inc. yields 9.75%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 78%** (46% of free cash flow). 78% of earnings goes out as dividends, leaving a thin cushion.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): -11.8%/yr** (1-yr 0.0%). The dividend has not grown over five years.
- **Shareholder yield: 21.5%**. Dividends plus net buybacks return 21.5% of the market value a year.

## Price and momentum
- **Total return (1 yr): 18.1%** (YTD 13.4%, 3-mo 3.9%). The shares are up 18.1% over twelve months including dividends.
- **From 52-week high: -4.8%** (9.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 49**. An RSI of 49 is neutral.
- **Beta (1 yr): 0.26** (volatility 12%). Beta of 0.26 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ZTR · Page: https://foliofundamentals.com/stocks/ztr

Not investment advice.