Data as of Oct 28, 2026.
FINY vs XLF: Differences, Returns & Fees
FINY and XLF are measured over different days, and XLF charges 0.08% to FINY's 1.07%.
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Net assets on Oct 27, 2026: $745,535 for GraniteShares YieldBOOST Financials ETF and $51.6bn for State Street Financial Select Sector SPDR ETF.
Pair scorecard
XLF costs 0.99 points a year less.
| Measure | FINY | XLF |
|---|---|---|
| Return | ||
| Total return, 1 year | not published | +7.6% |
| Cash paid, share of starting value, since May 5, 2026 | 8.7% | |
| Price change, since May 5, 2026 | fell 0.6% | |
| Latest payout, annualized | 11.0% | |
| Return of capital, issuer estimate | 96% of the Jul 7, 2026 payment | |
| Drawdown | ||
| Below its high | 3.8%, high on Sep 3, 2026 | |
| Against its benchmark | ||
| What it tracks | Benchmark: Financials sector, measured through XLF | Financial Select Sector Index |
| Against its benchmark, same days | behind by 1.3 pts | |
| Cost and size | ||
| Expense ratio | 1.07% | 0.08% |
| Net assets, as of Oct 27, 2026 | $745,535 | $51.6bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 100% | |
| Top ten holdings, share of the fund | 57.4% | |
Holdings in common uses holdings dated Jun 30, 2026 and Oct 27, 2026. Method
Risk and return
May 15, 2026 to Oct 23, 2026 · 23 weekly returnsXLF returned more: +10.2% to +7.2%. FINY fell less at its worst: −4.4% to −7.7%.
Full scorecard
3 measures, with how each is measured Open ↓
| Measure | FINY | XLF | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +7.2% | +10.2% | XLF | Price change plus distributions, reinvested. |
| Price return | −0.6% | +9.4% | XLF | Price change alone, distributions left out. |
| Risk | ||||
| Max drawdown | −4.4% | −7.7% | FINY | Deepest fall from a high to the low after it. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 23 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, FINY and XLF hold 0% of their money in the same securities at the same weight. Holdings dated Jun 30, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
FINY and XLF on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
No client brief for this pair: ETFIQ prints no one-year total return for FINY; the two funds' holdings are dated 119 days apart.
FINY
Over the period from its first trade on May 5, 2026 to Oct 28, 2026, FINY paid 8.7% of its starting value in cash distributions while its price fell 0.6%. With every distribution reinvested, the fund returned +8.3%. Financials sector (XLF) returned +9.6% over the same days, so a holder was behind by 1.3 pts. At its price on Oct 28, 2026 the latest distribution annualizes to 11.0%, paid weekly. GraniteShares estimates that 96% of the distribution paid Jul 7, 2026 was a return of capital (its 19a-1 notice). That is a tax label, not a measure of erosion.
XLF
XLF tracks an index of Financials. Over the year to Oct 28, 2026 it returned +7.6% with distributions reinvested. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 77 positions, with the top ten at 57.4%. It sat 3.8% below its high of Sep 3, 2026 on Oct 28, 2026.
Questions people ask
- Are FINY and XLF in the same category?
- FINY is an option-income ETF and XLF is a stock ETF, so they do different jobs. The table compares what both publish: return, cost and holdings.
- Which is cheaper, FINY or XLF?
- XLF is cheaper, by 0.99 percentage points a year. That is about $99 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
Cite this pageCitation, APA and Markdown
ETFIQ, FINY against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/finy-vs-xlf
ETFIQ. (Oct 28, 2026). FINY against XLF. Retrieved from https://etfiq.com/compare/any/finy-vs-xlf
[FINY against XLF (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/finy-vs-xlf)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.