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RFLR

This fund does not currently behave like the group it was assigned to, so its grouping is being re-reviewed. Grading pauses until the review resolves, because a letter measured against the wrong peer group would be a statement about the wrong funds.New York Stock Exchange Arca

Innovator U.S. Small Cap Managed Floor ETF

Innovator · Inception 2024-09-17

$31.62−0.33 (−1.04%)

As of Sep 23, 2026, 2:12 PM EDT

History starts Sep 17, 2024.
Intraday session: down, 47 prints from 31.95 to 31.62. Range 31.57 to 31.80. Use the arrow keys to read each point.$31.70$31.8010 AM12 PM2 PM4 PM
Expense ratio
0.89%
Fund size
$93M
1Y return
+15.2%
Yield · Last 12 months
0.60%
Holdings
839
Volume · 30D
0M sh
NAV per share
$31.67
52W range
low $26.70high $35.16

Our read on RFLR

ETF.net Research

Most small-cap downside-protection funds trade your upside away for a cap. RFLR doesn't: roughly 800 small caps, a laddered options overlay built to limit losses, and no outcome period you have to time.

Stated mandate

The Fund seeks long-term capital gains while mitigating overall market risk. It pursues uncapped participation in U.S. small-cap equities while using a laddered options overlay to limit potential losses.

Why people hold it

  1. 01Uncapped by design. The options overlay works to soften losses without putting a ceiling on how much of a small-cap rally you keep.
  2. 02The ladder rolls continuously instead of locking into a defined 12-month outcome window, so there is no start date to get right.
  3. 03Real equity underneath: roughly 800 US small caps benchmarked to the Russell 2000, actively managed rather than a pile of options standing in for stocks.
  4. 04At 0.89% it prices right at the middle of the floor-and-buffer crowd, and it sits in the upper half of that peer group overall.

Worth knowing

  1. 01Cheaper ways to floor a Russell 2000 position exist: Calamos's CPRO charges 0.69%, but it hands you a cap in return.
  2. 02The floor is engineered with options, not promised. It is what the overlay aims for, and option costs come out of your return.
  3. 03Launched in 2024, still modest in size and lightly traded, so limit orders matter more here than in a mega-fund.

RFLR Holdings

As of Sep 22, 2026, 10:01 PM
Asset class
Stocks
Holdings
839
Top-10 weight
7%
Largest holding
US BANK MMDA - USBGFS 9 09/01/20372.7%

Sectors

  • Financials18.2%
  • Health Care18.1%
  • Industrials14.4%
  • Technology13.9%
  • Consumer Discr.9.6%
  • Energy6.6%
  • Real Estate6.5%
  • Materials4.7%
  • Cons. Staples3.4%
  • Utilities2.4%
  • Communication2.3%

Geography

  • United States96.33%
  • Bermuda1.23%
  • Monaco0.33%
  • Ireland0.31%
  • United Kingdom0.23%
  • Greece0.22%
  • Luxembourg0.21%
  • Panama0.20%
  • Other countries (9)0.93%
The fund’s holdings, weight-ordered — page 1 of 56.
#TickerCompanyWeight %SharesMarket valueIn ETFs
001US BANK MMDA - USBGFS 9 09/01/20372.72%2,553,821$3M161
002IWM US 06/30/27 P2700.95%790$892K1
003CVLTCommvault Systems Inc0.41%2,667$389K162
004Cash & Other0.41%383,291$383K674
005VRNSVaronis Systems Inc0.41%7,897$383K100
006SMSM Energy Co0.39%10,477$364K161
007TWSTTwist Bioscience Corp0.37%2,094$347K123
008PBFPBF Energy Inc0.34%4,458$323K158
009TENBTenable Holdings Inc0.33%8,471$307K136
010GTLBGitlab Inc0.31%5,875$293K115
011TXG10X Genomics Inc0.31%3,674$291K136
012PARRPar Pacific Holdings Inc0.31%3,497$287K151
013FBPFirst BanCorp/Puerto Rico0.30%10,260$282K148
014RHIRobert Half Inc0.29%7,404$274K143
015MMSIMerit Medical Systems Inc0.28%3,045$260K136

Showing 1–15 of 837 holdings

RFLR Performance

Shows how $10,000 changes over the selected period, with cash distributions reinvested at the closing price on each ex-dividend date.

RFLR$11,515
SPY tracks large US stocks. It provides market context, rather than representing this fund’s strategy, asset class or investment benchmark.$11,723
Sep 22, 2025 to Sep 22, 2026. RFLR $11,515. SPY $11,723. Use the arrow keys to read each point.$9,329$10,797$12,266Sep 2025Mar 2026Sep 2026

Sep 22, 2025 – Sep 22, 2026

Returns run to the Sep 22, 2026 close, with cash distributions reinvested. Each period starts on the same date that many months or years earlier. Periods over one year show the average yearly return.

Trailing total return for RFLR. Periods over one year show the average yearly return.
PeriodRFLR
Year to date+12.5%
1 month−3.5%
3 months+1.1%
1 year+15.2%
3 yearsFund is under 3 years oldper year
5 yearsFund is under 5 years oldper year
10 yearsFund is under 10 years oldper year

As of the close, with distributions reinvested.

Calendar-year total return with cash distributions hypothetically reinvested at the ex-dividend date’s closing price. The current year shows year to date.

Annual total returns for RFLR
YearReturn barRFLR
2026 YTD+12.5%
2025+11.8%
2024+2.3%

Since listing, Sep 17, 2024

RFLR in the news

ETF.net Research hasn’t filed on RFLR yet — coverage lands here as it’s written.

RFLR Dividends

Adds up every distribution paid per share over the last 12 months, divided by the last completed close. Distributions are counted by ex-date. Data through Sep 22, 2026.
0.60%Last 12 months
Payout per share
$0.19Last 12 months
Last payment
$0.05 per share
Paid on
Shares bought on or after this date do not qualify for this distribution.
Frequency
Quarterly

Distribution history

2024–2026

One bar per payment. 7 payments from 2024 to 2026 YTD. Dec 31, 2024 $0.07; Mar 31, 2025 $0.03; Jun 30, 2025 $0.05; Sep 30, 2025 $0.05; Dec 31, 2025 $0.06; Mar 31, 2026 $0.03; Jun 30, 2026 $0.05. Use the arrow keys to read each point.202420252026YTD
Ex-datePay dateAmount per share
Jun 30, 2026Jul 1, 2026$0.05
Mar 31, 2026Apr 1, 2026$0.03
Dec 31, 2025Jan 2, 2026$0.06
Sep 30, 2025Oct 2, 2025$0.05
Jun 30, 2025Jul 1, 2025$0.05
Mar 31, 2025Apr 1, 2025$0.03
Dec 31, 2024Jan 2, 2025$0.07

RFLR Risk

How much the fund’s monthly returns vary, scaled to a year.
11.2%
Annualised · 23 months to Aug 2026
How it’s calculated: standard deviation

The sample standard deviation of monthly total returns, multiplied by the square root of 12.

Uses up to 36 complete months, with at least 12 required. Total returns include reinvested distributions.

Return above 3-month US Treasury bills per unit of volatility.
0.90
vs 3-month T-bills · 23 months to Aug 2026
How it’s calculated: Sharpe ratio

Subtract each month’s Treasury-bill return from the fund’s monthly total return.

Divide the average of those excess returns by their sample standard deviation, then multiply by the square root of 12.

Uses up to 36 complete months, with at least 12 required. Each month uses the Treasury yield quoted at the end of the previous month.

The largest fall from a peak to the low that followed.
−15.5%
24 months · trough Apr 2025
How it’s calculated: maximum drawdown

The largest percentage decline from an earlier peak, using total returns with reinvested distributions.

Uses up to five years through the last close, with at least 12 months required.

How strongly the fund’s returns move with its asset-class index.
0.60
vs its asset-class index
How it’s calculated: beta

The beta figure is supplied by FMP. The comparison index depends on the fund’s broad asset class.

RFLR Cost

Expense Ratio
0.89%