Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
COWZ vs XLF: how they differ
COWZ and XLF hold 0% of their weight in the same names, and COWZ returned more over the year.
Pacer US Cash Cows 100 ETF and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, COWZ and XLF hold 0% of their money in the same securities at the same weight.
| Only in COWZ | Only in XLF |
|---|---|
| QUALCOMM Inc 2.67% | Berkshire Hathaway Inc 12.10% |
| Altria Group Inc 2.21% | JPMorgan Chase & Co 11.57% |
| ConocoPhillips 2.17% | Visa Inc 7.51% |
| CVS Health Corp 2.16% | Mastercard Inc 5.47% |
| Bristol-Myers Squibb Co 2.03% | Bank of America Corp 4.91% |
| Ford Motor Co 2.01% | Goldman Sachs Group Inc/The 3.94% |
| Uber Technologies Inc 2.01% | Wells Fargo & Co 3.34% |
| Pfizer Inc 2.00% | Morgan Stanley 3.31% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Apr 30, 2026 and Jun 30, 2026.
| COWZ Pacer US Cash Cows 100 ETF | XLF State Street(R) Financial Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Pacer | State Street |
| What it is | US Cash Cows 100 | Financials |
| Total return, 1 year | +23.4% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +5.9 pts | −9.9 pts |
| Expense ratio | 0.49% | 0.08% |
| Already in the S&P 500 | 95.8% | 100.0% |
| Holdings | 100 | 76 |
COWZ in plain words
COWZ is an index equity fund tracking the US Cash Cows 100. Over the year to Sep 11, 2026 it returned +23.4% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.49% a year. By its holdings filed for Apr 30, 2026, 96% of the fund by weight is stocks the S&P 500 also holds, across 100 positions, with the top ten at 21.2%. It sat 3.2% below its high of Sep 3, 2026 on Sep 11, 2026.
XLF in plain words
XLF is an index equity fund tracking the Financials. Over the year to Sep 11, 2026 it returned +7.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 76 positions, with the top ten at 57.7%.
Questions people ask
- Which returned more over the last year, COWZ or XLF?
- In the year to Sep 12, 2026, with distributions reinvested, COWZ returned +23.4% and XLF returned +7.6%, so COWZ returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, COWZ or XLF?
- COWZ charges 0.49% a year and XLF charges 0.08%, so XLF is cheaper. Fees come from each fund's prospectus.
- How much do COWZ and XLF overlap with the S&P 500?
- By their latest filed holdings, 96% of COWZ and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 0% of their books are the same securities at the same weight.
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Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, COWZ against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/COWZ-XLF Free to use with attribution; the underlying files are at Open data.
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