IYF — iShares U.S. Financials ETF
Financial Ranked #219 of 458 tracked ETFs · Issued by iShares
IYF Price Performance — Growth of $10,000
Value of a $10,000 investment in IYF over time, compared with SPY. Both lines are rebased to $10,000 on the first shared date. Based on total returns — prices are adjusted for dividends and splits, so this assumes distributions were reinvested. Hover or tap the chart for exact values.
IYF Drawdown
The "underwater" chart: IYF's decline from its highest prior value at each point in time. It shows how deep past losses ran and how long the fund took to recover to break-even.
What If You'd Invested in IYF?
See what a lump sum in IYF would have grown to, with the option to add a regular monthly contribution on top. Figures use total returns — dividends are assumed reinvested.
Past performance doesn't predict future results. Assumes contributions on the first trading day of each month, no trading costs or taxes, and reinvested distributions. History is limited to the range published in the site's daily return data.
Overview
The iShares U.S. Financials ETF is a $3.75 billion fund managed by iShares, holding 48.7% of its assets in its top ten positions with Berkshire Hathaway Inc. as the largest single holding. It carries an ETFValuer grade of C, reflecting a score of 61.4 out of 100. Within the Financial category, it ranks 8 of 9, placing it near the bottom of its peer group. The fund’s 0.37% expense ratio sits slightly above the category median of 0.35%, while its 1.49% dividend yield trails the median of 1.73%.
Price action shows the fund trading at $130.23, which is 65.2% of its 52-week range. Short-term momentum has been mixed, with a 1.12% decline over one day contrasting with a 0.95% gain over one week. Over longer horizons, the fund has posted a 1-year return of 8.65%, matching the category median, while its 3-year return stands at 89.36%. The rating has remained unchanged at grade C across the last 35 tracked days, and price history is available for 3.0 years.
The fund exhibits a beta of 0.83, indicating it moves 83% as much as the broader market. Annualized volatility is recorded at 14.42%, a level labeled as Low, while the maximum drawdown has reached -16.60%. A Sharpe ratio of 0.25 suggests modest risk-adjusted returns relative to the risk taken. Liquidity is supported by an average daily volume of 377,803 shares.
AI-generated summary based on the data on this page.
IYF Top Holdings
| # | Holding | % of Net Assets | Value |
|---|---|---|---|
| 1 | BERKSHIRE HATHAWAY INC. | 11.35% | $503M |
| 2 | JPMORGAN CHASE & CO. | 11.24% | $498M |
| 3 | BANK OF AMERICA CORPORATION | 4.72% | $209M |
| 4 | WELLS FARGO & COMPANY | 3.83% | $169M |
| 5 | THE GOLDMAN SACHS GROUP, INC. | 3.72% | $165M |
| 6 | MORGAN STANLEY | 3.45% | $153M |
| 7 | CITIGROUP INC. | 3.36% | $149M |
| 8 | THE CHARLES SCHWAB CORPORATION | 2.62% | $116M |
| 9 | BLACKROCK, INC. | 2.54% | $112M |
| 10 | THE PROGRESSIVE CORPORATION | 1.88% | $83M |
Holdings as of 2026-07-31 per the fund's most recent SEC N-PORT-P filing. Top 10 holdings make up 48.7% of net assets — a rough gauge of concentration risk (the higher this figure, the more the fund's return depends on a handful of names). To see how IYF's holdings overlap with other ETFs you own or are considering, check the Stock Overlap tool.
Which Funds Overlap With IYF
Holding two funds that own the same companies adds cost and complexity without adding much diversification. These tracked ETFs share the most names with IYF's top 10 — XLF overlaps most, holding 7 of the same companies as IYF's top 10 (41.7% of IYF's assets).
| ETF | Name | Shared Companies | IYF Weight | Examples |
|---|---|---|---|---|
| XLF | State Street Financial Select Sector SPDR ETF | 7 | 41.7% | BERKSHIRE HATHAWAY INC., JPMORGAN CHASE & CO., BANK OF AMERICA CORPORATION… |
| VFH | Vanguard Financials Index Fund ETF Shares | 7 | 41.7% | JPMORGAN CHASE & CO., BERKSHIRE HATHAWAY INC., BANK OF AMERICA CORPORATION… |
| FNCL | Fidelity MSCI Financials Index ETF | 7 | 41.7% | JPMORGAN CHASE & CO., BERKSHIRE HATHAWAY INC., BANK OF AMERICA CORPORATION… |
| KBWB | Invesco KBW Bank ETF | 6 | 30.3% | JPMORGAN CHASE & CO., MORGAN STANLEY, THE GOLDMAN SACHS GROUP, INC.… |
| VCSH | Vanguard Short-Term Corporate Bond Index Fund ETF Shares | 3 | 19.8% | JPMORGAN CHASE & CO., BANK OF AMERICA CORPORATION, WELLS FARGO & COMPANY |
Compares the top 10 reported holdings of each fund, so it's a floor on true overlap — two S&P 500 trackers overlap ~100% even when only 10 names are listed. Use the Stock Overlap tool to search by individual company.
Market Backdrop
10-Year Treasury Yield: 4.96% (as of 2026-10-22) — The yield on 10-year US Treasury bonds — the standard "risk-free rate" benchmark used to contextualize this fund’s Sharpe ratio and returns.
CBOE Volatility Index (VIX): 19.03 (as of 2026-10-22) — A real-time gauge of expected S&P 500 volatility over the next 30 days — useful context for this fund’s own volatility label.
Federal Funds Rate: 3.75% (as of 2026-09-01) — The Federal Reserve’s target policy rate, which anchors short-term borrowing costs across the economy.
What IYF's Fees Cost You
IYF charges an expense ratio of 0.37% a year, deducted automatically from the fund's value. Small percentages compound into real money — adjust the figures below to see the impact on your own numbers.
Assumes a constant gross return and no additional contributions — a simplification, but it isolates exactly what the expense ratio costs. Try the full fee calculator to model contributions and compare any two funds.
IYF Dividend Income Estimator
IYF currently yields 1.49%. Enter an amount to see the income that implies, or set a monthly income target to see the investment it would take.
Based on the fund's current trailing yield, which varies with price and distributions — treat it as an estimate, not a guarantee. Yields are not adjusted for tax.
IYF Liquidity, Domicile & Tax Treatment
Liquidity: Average daily volume is 378K/day. Higher volume and a larger fund generally mean lower round-trip trading costs. AUM of $3.75B provides ample scale, supporting tight spreads and issuer commitment to keep the fund open.
Domicile & tax treatment: IYF is a US-domiciled, SEC-registered ('40 Act) exchange-traded fund. Dividends and capital gains distributions are reported to US investors on Form 1099-DIV, and the fund is not subject to the PFIC reporting or UCITS-specific rules that apply to Irish- or Luxembourg-domiciled funds. Non-US investors should note that US-domiciled ETFs are generally subject to 30% US withholding tax on dividends (unless reduced by treaty) and to US estate tax exposure on the position — Irish-domiciled UCITS ETFs tracking the same index often avoid both, which is why non-US residents frequently prefer the UCITS equivalent where one exists. This is general information, not tax advice — consult a tax professional for your situation.
IYF Performance History
| Period | Return |
|---|---|
| 1-Day | -1.12% |
| 1-Week | +0.95% |
| 1-Month | +1.33% |
| 3-Month | -3.36% |
| 6-Month | +6.26% |
| YTD | +1.56% |
| 1-Year | +8.65% |
| 3-Year | +89.36% |
How IYF Compares to Other Financial ETFs
| Rank | Grade | Ticker | Name | 1-Year | Exp. Ratio | AUM |
|---|---|---|---|---|---|---|
| #152 | B |
XLF | State Street Financial Select Sector SPDR ETF | +8.30% | 0.08% | $51.0B |
| #155 | B |
IAK | iShares U.S. Insurance ETF | +17.47% | 0.37% | $420M |
| #161 | B |
KBWB | Invesco KBW Bank ETF | +19.17% | 0.35% | $6.20B |
| #167 | C |
KRE | State Street SPDR S&P Regional Banking ETF | +22.74% | 0.35% | $3.73B |
| #187 | C |
VFH | Vanguard Financials Index Fund ETF Shares | +8.32% | 0.09% | $13.8B |
| #206 | C |
KBE | State Street SPDR S&P Bank ETF | +18.21% | 0.35% | $1.47B |
| #215 | C |
FNCL | Fidelity MSCI Financials Index ETF | +8.35% | 0.084% | $2.24B |
| #219 | C |
IYF | iShares U.S. Financials ETF | +8.65% | 0.37% | $3.75B |
| #345 | C |
IAI | iShares U.S. Broker-Dealers & Securities Exchanges ETF | +5.26% | 0.37% | $1.32B |