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Trend-Following Backtester · Guide · backtest 한국어

equity · US

Oportun Financial Corporation backtest

10 trend-following strategies were compared on the full daily history of Oportun Financial Corporation. 10 beat buy-and-hold CAGR; MACD ranks first by Sharpe, matching the main backtester. The return/drawdown alternative is Keltner 채널 돌파 (CAGR 3.7%, MDD -20.6%).

Data 2019-09-26 ~ 2026-07-31daily bars 1,720 (6.8 years)Costs 0.5%Venue XNASMonthly snapshot 2026-07-31

Results by strategy

10 of 10 beat buy and hold (CAGR -14.5%, drawdown -92.3%).

Sharpe leader (same as main): MACD — CAGR 21.1%, MDD -81.8%, Sharpe 0.62, 49% exposure.

Return/drawdown alternative: Keltner 채널 돌파 — CAGR is 35.7%p higher than buy and hold, while drawdown improves by 10.5%p (CAGR 3.7%, MDD -20.6%, exposure 1%).

The alternative must retain 75% of buy-and-hold CAGR, improve drawdown by at least 20% and 5 percentage points, and stay below 95% exposure; the ranking weights return retention 60% and drawdown improvement 40%.

Strategy · parametersCAGRMDDSharpeCalmarTotalTradesExposure
MACD
fast=11, slow=50, signal=11
21.1%-81.8%0.620.263.7x9649%
ROC 모멘텀
n=20, threshold=0.13
15.1%-45.5%0.550.332.6x11425%
Parabolic SAR
step=0.01, maxStep=0.3
14.9%-75.9%0.520.202.6x9248%
Supertrend
period=29, mult=2.3
13.6%-60.4%0.510.232.4x5646%
SMA 크로스오버
fast=9, slow=209
12.8%-52.8%0.500.242.3x938%
Donchian 채널 돌파
entryN=15, exitN=8
10.6%-64.9%0.440.162.0x6236%
볼린저 밴드 돌파
n=19, k=1.4
8.4%-59.7%0.400.141.7x8835%
Keltner 채널 돌파
emaPeriod=11, atrPeriod=21, mult=4
3.7%-20.6%0.390.181.3x21%
EMA 크로스오버
fast=37, slow=197
3.0%-55.6%0.260.051.2x1136%
ADX / DI 방향성
period=15, threshold=11
-0.0%-72.3%0.24-0.001.0x13149%
Buy and hold-14.5%-92.3%0.19-0.160.3x1100%
1x 2020 2021 2022 2023 2024 2025 2026 MACDBuy and hold
MACD: Solid strategy line versus dashed buy-and-hold line. Log scale.
0% -23% -46% -69% -92% 2020 2021 2022 2023 2024 2025 2026 Buy and holdMACD
MACD maximum drawdown -81.8% (2020-06-08 → 2022-10-20), recovered after 1,698 days.

Rules of the top strategy

Looks at the gap (MACD) between a short and long average crossing its own signal line.

Method and caveats

Past performance does not guarantee future returns. Parameters were selected on the same full-history sample using sharpe over 40 trials per strategy, so results contain in-sample bias. 0.5% trading costs are included; taxes, slippage and rejected orders are not.
Re-run the same setupMore US assetsAll asset reports

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