IYF — iShares U.S. Financials ETF
Financial Ranked #275 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 (IYF) is a Financial category fund issued by iShares with $3.90 billion in assets under management. Currently trading at $134.06, the fund holds an overall rank of #275 out of 458 tracked ETFs across all categories and carries an ETFValuer grade of C with a score of 58.4 out of 100. Investors can access the fund with an expense ratio of 0.38% while receiving a dividend yield of 0.81%. The fund operates within a category containing 9 ETFs tracked by ETFValuer, positioning it as one of several options for exposure to the sector. The combination of a mid-tier rank and a moderate grade suggests a balanced but not exceptional standing among its peers. Its asset size indicates significant investor adoption relative to smaller funds in the same category.
Over the last day, the fund posted a return of +0.92%, followed by a +0.32% gain over the one-week period. Monthly performance accelerated to +4.58%, while the three-month return reached +8.27%. The six-month return stood at +5.23%, and year-to-date gains were recorded at +4.22%. Annual returns showed a stronger trajectory at +10.10%, with the three-year return expanding significantly to +76.76%. This pattern indicates a divergence where short-term gains were more modest compared to the substantial long-term appreciation. The data shows a general upward trend in returns as the time horizon extends from one day to three years.
The fund carries a Low volatility label and a beta of 0.82, suggesting it moves less than the broader market. A Sharpe ratio of 0.35 indicates the risk-adjusted returns have been moderate relative to the volatility experienced. The maximum drawdown of -16.60% reflects the largest peak-to-trough decline observed during the measurement period. This combination of a beta below 1.0 and a low volatility label implies the fund tends to be less sensitive to market swings than average. However, the Sharpe ratio and max drawdown figures together suggest that while the fund may dampen market movements, it still experienced notable declines during downturns. The risk profile presents a mix of lower sensitivity to market direction with moderate risk-adjusted performance metrics.
AI-generated summary based on the data on this page.
IYF Top Holdings
| # | Holding | % of Net Assets | Value |
|---|---|---|---|
| 1 | BERKSHIRE HATHAWAY INC. | 10.90% | $371M |
| 2 | JPMORGAN CHASE & CO. | 10.78% | $367M |
| 3 | BANK OF AMERICA CORPORATION | 4.68% | $159M |
| 4 | THE GOLDMAN SACHS GROUP, INC. | 4.17% | $142M |
| 5 | WELLS FARGO & COMPANY | 3.95% | $134M |
| 6 | CITIGROUP INC. | 3.59% | $122M |
| 7 | MORGAN STANLEY | 3.50% | $119M |
| 8 | BLACKROCK, INC. | 2.63% | $90M |
| 9 | THE CHARLES SCHWAB CORPORATION | 2.48% | $84M |
| 10 | S&P GLOBAL INC. | 2.11% | $72M |
Holdings as of 2026-04-30 per the fund's most recent SEC N-PORT-P filing. Top 10 holdings make up 48.8% 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 (41.6% of IYF's assets).
| ETF | Name | Shared Companies | IYF Weight | Examples |
|---|---|---|---|---|
| XLF | State Street Financial Select Sector SPDR ETF | 7 | 41.6% | BERKSHIRE HATHAWAY INC., JPMORGAN CHASE & CO., BANK OF AMERICA CORPORATION… |
| VFH | Vanguard Financials Index Fund ETF Shares | 7 | 41.6% | JPMORGAN CHASE & CO., BERKSHIRE HATHAWAY INC., BANK OF AMERICA CORPORATION… |
| FNCL | Fidelity MSCI Financials Index ETF | 7 | 41.6% | JPMORGAN CHASE & CO., BERKSHIRE HATHAWAY INC., BANK OF AMERICA CORPORATION… |
| KBWB | Invesco KBW Bank ETF | 5 | 27.1% | JPMORGAN CHASE & CO., THE GOLDMAN SACHS GROUP, INC., BANK OF AMERICA CORPORATION… |
| VTC | Vanguard Total Corporate Bond ETF ETF Shares | 4 | 16.3% | BANK OF AMERICA CORPORATION, THE GOLDMAN SACHS GROUP, INC., 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: 4.71% (as of 2026-07-23) — 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): 18.70 (as of 2026-07-23) — 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: 3.63% (as of 2026-06-01) — 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 0.38% 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 0.81%. 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: Quoted bid/ask spread is 2.25% and average daily volume is 296K/day. Tighter spreads and higher volume mean lower round-trip trading costs; this is a live-market snapshot and can widen during volatile sessions. AUM of $3.90B 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 | +0.92% |
| 1-Week | +0.32% |
| 1-Month | +4.58% |
| 3-Month | +8.27% |
| 6-Month | +5.23% |
| YTD | +4.22% |
| 1-Year | +10.10% |
| 3-Year | +76.76% |
How IYF Compares to Other Financial ETFs
| Rank | Grade | Ticker | Name | 1-Year | Exp. Ratio | AUM |
|---|---|---|---|---|---|---|
| #89 | B |
KBWB | Invesco KBW Bank ETF | +32.22% | 0.35% | $6.51B |
| #173 | C |
XLF | State Street Financial Select Sector SPDR ETF | +7.69% | 0.08% | $51.4B |
| #188 | C |
IAK | iShares U.S. Insurance ETF | +17.55% | 0.38% | $422M |
| #215 | C |
VFH | Vanguard Financials Index Fund ETF Shares | +8.24% | 0.09% | $13.8B |
| #265 | C |
KRE | State Street SPDR S&P Regional Banking ETF | +22.43% | 0.35% | $4.74B |
| #269 | C |
FNCL | Fidelity MSCI Financials Index ETF | +8.14% | 0.084% | $2.23B |
| #275 | C |
IYF | iShares U.S. Financials ETF | +10.10% | 0.38% | $3.90B |
| #280 | C |
KBE | State Street SPDR S&P Bank ETF | +20.90% | 0.35% | $1.48B |
| #373 | C |
IAI | iShares U.S. Broker-Dealers & Securities Exchanges ETF | +9.23% | 0.38% | $1.33B |