Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
COWZ vs XLY: how they differ
COWZ and XLY hold 9% of their weight in the same names, and COWZ returned more over the year.
Pacer US Cash Cows 100 ETF and State Street(R) Consumer Discretionary Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, COWZ and XLY hold 9% of their money in the same securities at the same weight.
| Holding | COWZ | XLY |
|---|---|---|
| Booking Holdings Inc | 1.87% | 3.44% |
| Airbnb Inc | 1.62% | 1.49% |
| Ford Motor Co | 2.01% | 1.35% |
| DR Horton Inc | 1.21% | 1.07% |
| Expedia Group Inc | 1.03% | 0.73% |
| PulteGroup Inc | 0.58% | 0.65% |
| Tapestry Inc | 0.55% | 0.74% |
| Williams-Sonoma Inc | 0.35% | 0.68% |
| NVR Inc | 0.34% | 0.46% |
| Lululemon Athletica Inc | 0.30% | 0.30% |
| Only in COWZ | Only in XLY |
|---|---|
| QUALCOMM Inc 2.67% | Amazon.com Inc 22.24% |
| Altria Group Inc 2.21% | Tesla Inc 19.66% |
| ConocoPhillips 2.17% | Home Depot Inc/The 5.83% |
| CVS Health Corp 2.16% | McDonald's Corp 4.16% |
| Bristol-Myers Squibb Co 2.03% | TJX Cos Inc/The 3.93% |
| Uber Technologies Inc 2.01% | Lowe's Cos Inc 3.08% |
| Pfizer Inc 2.00% | Starbucks Corp 2.90% |
| Diamondback Energy Inc 1.99% | Marriott International Inc/MD 2.02% |
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 | XLY State Street(R) Consumer Discretionary 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 | Consumer discretionary |
| Total return, 1 year | +23.4% | −4.1% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +5.9 pts | −21.6 pts |
| Expense ratio | 0.49% | 0.08% |
| Already in the S&P 500 | 95.8% | 100.0% |
| Holdings | 100 | 47 |
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.
XLY in plain words
XLY is an index equity fund tracking the Consumer discretionary. Over the year to Sep 11, 2026 it returned −4.1% 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 47 positions, with the top ten at 69.2%. It sat 8.9% below its high of Jan 12, 2026 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, COWZ or XLY?
- In the year to Sep 12, 2026, with distributions reinvested, COWZ returned +23.4% and XLY returned −4.1%, so COWZ returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, COWZ or XLY?
- COWZ charges 0.49% a year and XLY charges 0.08%, so XLY is cheaper. Fees come from each fund's prospectus.
- How much do COWZ and XLY overlap with the S&P 500?
- By their latest filed holdings, 96% of COWZ and 100% of XLY by weight is stocks the S&P 500 already holds. Between the two funds, 9% 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 XLY, data as of Sep 12, 2026. https://etfiq.com/compare/any/COWZ-XLY Free to use with attribution; the underlying files are at Open data.
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