Chad purchased Hampton Industries Inc. stock for $14.65 and sold it 6 months later for $17.38 after receiving a $0.25 dividend. What is Chad's holding period return (HPR), Annual Percentage Rate (APR), and Effective Annual Rate (EAR)? The holding period is only 6 months, so the APR represents a whole year , which is twice the holding period return. The EAR can also be calculated with the financial calculator. The APR is the NOM%, 2 is the P/YR, then calculate EFF%.