IYF - ETF AI Analysis

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iShares U.S. Financials ETF (IYF)

Rating:72Outperform

Price Target:―

IYF, the iShares U.S. Financials ETF, earns a solid rating largely because many of its biggest positions—like JPMorgan Chase, Wells Fargo, Morgan Stanley, and BlackRock—show strong financial performance, positive earnings call sentiment, and generally supportive technical trends, which together underpin the fund’s quality. Berkshire Hathaway and Citigroup are somewhat more mixed, with issues like bearish or overbought technical signals and financial challenges such as leverage and cash flow management slightly weighing on the overall picture. The main risk factor is the ETF’s concentration in the U.S. financial sector, which makes it sensitive to interest rate changes, credit conditions, and broader financial-system stress.

Positive Factors

Large, Established Financial Holdings

The ETF is built around major, well-known financial companies, which can provide stability and strong earnings power over time.

Recent Short-Term Performance Rebound

Despite being down so far this year, the fund has shown a recent upswing over the last three months, suggesting some recovery momentum.

Meaningful Fund Size

With several billion dollars in assets, the ETF is large enough to offer good trading liquidity for most everyday investors.

Negative Factors

Heavy Concentration in Top Holdings

A small group of big financial stocks makes up a large share of the portfolio, increasing the impact if any of them perform poorly.

Weak Year-to-Date Returns

The fund’s overall performance so far this year has been negative, with several of its largest positions showing weak results.

Narrow Sector and Geographic Focus

The ETF is almost entirely invested in U.S. financial companies, which limits diversification and makes it more sensitive to problems in that sector or country.

IYF vs. SPDR S&P 500 ETF (SPY)

AUM3.65B

RegionNorth America

Expense Ratio0.38%

Beta0.93

IssueriShares

Inception DateMay 22, 2000

Dividend Yield1.42%

Asset ClassEquity

Index TrackedRussell 1000 Financials 40 Act 15/22.5 Daily Capped Index

Share Statistics

EPS (TTM)N/A

Shares OutstandingN/A

10 Day Avg. Volume493,078

30 Day Avg. Volume413,252

Financial Highlights & Ratios

PEG RatioN/A

Price to Book (P/B)N/A

Price to Sales (P/S)N/A

P/FCF RatioN/A

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price Target

146.18

Price Target Upside― Downside

Rating ConsensusModerate Buy

Number of Analyst Covering140

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

IYF Summary

The iShares U.S. Financials ETF (IYF) is a fund that tracks the Russell 1000 Financials Index, focusing on major U.S. financial companies. It owns a wide mix of banks, insurance firms, and other financial businesses, including well-known names like Berkshire Hathaway and JPMorgan Chase. Investors might consider IYF if they want simple, one-stop exposure to the U.S. financial sector and believe banks and other financial firms will benefit from economic growth and changing interest rates. A key risk is that it is heavily concentrated in financial stocks, so it can rise or fall sharply with the health of the financial sector.

How much will it cost me?The iShares U.S. Financials ETF (IYF) has an expense ratio of 0.38%, which means you’ll pay $3.80 per year for every $1,000 invested. This is slightly higher than average for ETFs because it focuses on a specific sector (financials) and is passively managed to track a niche index. Sector-focused funds often have higher costs due to their specialized nature.

What would affect this ETF?The iShares U.S. Financials ETF (IYF) could benefit from rising interest rates, which often increase profitability for banks and financial institutions, as well as economic growth that drives demand for financial services. However, it may face challenges from regulatory changes in the financial sector or economic slowdowns that reduce lending and investment activity. Additionally, its heavy reliance on U.S.-based financial companies means it is sensitive to domestic economic conditions and policy shifts.

IYF Top 10 Holdings

IYF is a pure U.S. financials play, and its story starts with two giants: Berkshire Hathaway and JPMorgan. Both have been relatively steady, helping anchor the fund even as sentiment around banks has been choppy. Goldman Sachs and Citigroup have been rising more convincingly, giving the ETF some welcome lift from Wall Street’s dealmakers. On the flip side, Charles Schwab has been lagging and S&P Global has been losing steam, acting as small drags. Overall, the fund is highly concentrated in big U.S. banks and diversified financials, with only minor exposure beyond core finance names.

Name	Company Name	Weight %	Market Value	Market Cap	Yearly Gain	Overall Rating
BRK.B	Berkshire Hathaway B	12.58%	$456.83M	$1.07T	0.02%	66 Neutral
JPM	JPMorgan Chase	10.86%	$394.41M	$781.92B	24.85%	72 Outperform
BAC	Bank of America	4.26%	$154.55M	$343.76B	20.26%	72 Outperform
GS	Goldman Sachs Group	3.89%	$141.16M	$246.91B	56.50%	73 Outperform
WFC	Wells Fargo	3.75%	$136.10M	$243.24B	18.04%	80 Outperform
C	Citigroup	3.14%	$113.97M	$186.46B	58.12%	68 Neutral
MS	Morgan Stanley	3.07%	$111.33M	$254.77B	43.66%	76 Outperform
SCHW	Charles Schwab	2.67%	$97.04M	$165.37B	32.48%	74 Outperform
BLK	BlackRock	2.42%	$88.03M	$156.25B	4.63%	77 Outperform
SPGI	S&P Global	2.24%	$81.33M	$133.05B	-8.83%	73 Outperform

IYF Technical Analysis

Technical Analysis Sentiment

Negative

Last Price―

Price Trends

50DMA

127.07

Negative

100DMA

125.64

Negative

200DMA

123.27

Negative

Market Momentum

MACD

-1.72

Positive

RSI

34.94

Neutral

STOCH

31.71

Neutral

Evaluating momentum and price trends is crucial in ETF analysis to make informed investment decisions. For IYF, the sentiment is Negative. The current price of undefined is equal to the 20-day moving average (MA) of 123.80, equal to the 50-day MA of 127.07, and equal to the 200-day MA of 123.27, indicating a bearish trend. The MACD of -1.72 indicates Positive momentum. The RSI at 34.94 is Neutral, neither overbought nor oversold. The STOCH value of 31.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IYF.

IYF Peer Comparison

Comparison Results

Name	Price	Price Target	AUM	Expense Ratio	Overall Rating
IYF	―	―	$3.65B	0.38%	72 Outperform
KBWB	―	―	$5.43B	0.35%	74 Outperform
FNCL	―	―	$2.29B	0.08%	72 Outperform
IYG	―	―	$1.96B	0.38%	72 Outperform
KBE	―	―	$1.35B	0.35%	73 Outperform
FXO	―	―	$1.15B	0.60%	73 Outperform

Performance Comparison

IYF

iShares U.S. Financials ETF

119.00

12.47

11.71%

KBWB

Invesco KBW Bank ETF

―

FNCL

Fidelity MSCI Financials Index ETF

―

IYG

iShares US Financial Services ETF

―

KBE

SPDR S&P Bank ETF

―

FXO

First Trust Financials AlphaDEX Fund

―

Glossary

BuyAn ETF rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the ETF is likely to deliver higher returns compared to other ETFs in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldAn ETF rated as a "Hold" s expected to perform in line with the overall market or a specific benchmark. This rating indicates that the ETF is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellAn ETF rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the ETF may deliver lower returns compared to other ETFs in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst ETF Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in ETFs carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: ―

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