Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Fund Details
Upturn AI Summary
iShares U.S. Financials ETF(IYF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for IYF
09/24/2026: IYF (2-star) is currently NOT-A-BUY. Pass it for now.
The iShares U.S. Financials ETF (IYF) provides diversified exposure to the U.S. financial services sector, including major banks, insurance providers, and asset managers. As a large and liquid ETF managed by BlackRock, it is a reliable tool for investors looking to gain broad exposure to the financial industry through a single, cost-effective instrument. The fund is best used as a tactical sector play or as a component in a diversified portfolio, though it carries significant cyclical risks related to interest rate fluctuations and economic downturns. Investors should monitor central bank policy and financial sector regulations, as these are the primary catalysts for performance. It is an ideal fit for those seeking dividend-yielding, value-oriented exposure to the backbone of the U.S. economy.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
ETF holdings, costs, diversification, valuation, risks, and market conditions provide supporting context about the fund.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Financial stocks are generally value-oriented, offering limited growth potential compared to technology or innovation-led sectors. |
| Momentum investor | Strong fit while signal remains positive | Financials often lead the market during economic expansions or rising interest rate environments, making them suitable for tactical momentum strategies. |
| Value investor | Strong fit | The sector contains many mature, dividend-paying companies often trading at attractive price-to-book ratios. |
| Dividend/Income investor | Strong fit | Many constituent banks and insurance companies are reliable dividend payers, providing a steady income stream. |
| Low-risk investor | Weak fit | The financial sector is highly cyclical and sensitive to economic shocks, resulting in higher volatility than broad market or bond funds. |
Investor Profile
Ideal Investor Profile
Investors seeking targeted sector exposure to U.S. financial services who have a moderate-to-high risk tolerance and are looking for cyclical growth or dividend income.
Suitability
Best suited for long-term thematic investors or active traders looking to express a view on the U.S. financial sector.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Medium / high | Financial stocks are sensitive to macroeconomic shifts and market sentiment. |
| Market risk | Medium / high | General market downturns directly impact financial asset valuations. |
| Concentration | Medium | While diversified across financials, the fund lacks exposure to other sectors that could hedge against sector-specific downturns. |
| Tracking/expense | Low | The ETF is a mature product with efficient tracking and a competitive expense ratio. |
| Liquidity | Low | The fund has high liquidity, posing minimal risk to trade execution for retail investors. |
| Business/sector quality | Medium | The health of the sector is heavily dependent on the stability of banks and regulatory policies. |
Risk Analysis
Volatility
IYF exhibits historical volatility consistent with financial sector indices, often outperforming in bull markets but suffering higher-than-average drawdowns during crises.
Market Risk
The fund is tethered to the U.S. economy; any systemic disruption to the banking sector or credit markets will directly negatively impact the fund's net asset value.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Industry | Diversified Banks | 35 | This provides core exposure to the primary lending and deposit-taking institutions that anchor the U.S. economy. |
| Industry | Insurance | 25 | Insurance holdings offer a defensive component and steady cash flow profile within the financial sector. |
| Industry | Capital Markets | 25 | Exposure to investment banks and asset managers captures growth related to market volatility and transaction volume. |
| Industry | Consumer Finance and Fintech | 15 | This segment provides exposure to emerging financial technologies and consumer-focused credit services. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type ETF | Historic Profit 50.58% | Avg. Invested days 88 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | ETF Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/24/2026 |
ETF Fundamentals 
Source: EOD Historical Data • Updated Sep 24, 2026
Fund Basics
| Metric | Value |
|---|---|
| Fund Size (AUM) | $4.03B |
| Issuer | iShares |
| Expense Ratio | 0.4% |
| Distribution Yield | 1.4% |
| Inception | May 22, 2000 |
Performance
| Period | Total Return |
|---|---|
| YTD | +1.78% |
| 1 Year | +4.03% |
| 3 Year | +21.47% |
| 5 Year | +11.46% |
| 10 Year | +12.93% |
Risk Metrics
| Metric | Value |
|---|---|
| 1Y Volatility | 11.87% |
| 3Y Volatility | 15.05% |
| 3Y Sharpe Ratio | 1.16 |
Ratings
| Metric | Value |
|---|---|
| Morningstar Rating | ★★★★★ |
| Sustainability Rating | 3 / 5 |
| Benchmark | MSCI ACWI NR USD |
Market Cap Distribution
| Cap Size | Weight |
|---|---|
| Large Cap | 35.46% |
| Mid Cap | 31.13% |
| Mega Cap | 25.59% |
| Small Cap | 7.43% |
| Micro Cap | 0.14% |
Top Sectors
| Sector | Weight |
|---|---|
| Financial Services | 98.67% |
| Technology | 0.73% |
| Real Estate | 0.60% |
| Basic Materials | 0.00% |
Asset Allocation
Portfolio Characteristics
| Metric | Value |
|---|---|
| Portfolio P/E | 14.84x |
| Portfolio P/B | 1.9x |
| Portfolio P/S | 2.68x |
| Holdings Turnover | 14.0% |
Top Holdings
| Holding | Weight |
|---|---|
| Berkshire Hathaway | 11.58% |
| JPMorgan Chase & | 11.22% |
| Bank of America | 4.19% |
| Goldman Sachs Group | 3.83% |
| Wells Fargo & | 3.74% |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.