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FINY vs XLUI

GraniteShares YieldBOOST Financials ETF

FINYDNasdaq

State Street Utilities Select Sector SPDR Premium Income ETF

XLUIBNYSE Arca

Overlap

0.0%by weight

Expense ratio

XLUI −0.83pt a year

FINY1.18%XLUI0.35%

Avg volume · 30D

XLUI 59.1×the volume

FINY950XLUI56.2K

FINY vs XLUI Performance

Jul 31, 2026 – Oct 30, 2026

+0.7%FINY−1.1%XLUI

Jul 31, 2026 to Oct 30, 2026. FINY +0.7%. XLUI −1.1%. Use the arrow keys to read each point.−7.5%−5%−2.5%2.5%Jul 2026Sep 2026Oct 2026
Expense ratio
FINY 1.18%
XLUI 0.35%, better
Fund size
FINY $1M
XLUI $67M
1Y total return
FINY No data
XLUI +4.7%
Yield (12M)
FINY No data
XLUI 15.28%
Holdings
FINY 4
XLUI 3
Avg volume (30D)
FINY 950 sh
XLUI 56.2K sh, better
NAV per share
FINY $24.98
XLUI $22.92
52W range

ETF.net Grade

FINY: Cost 7, Risk 94, Mission not scored, Tradability 37, Holdings not scored, Durability 25. XLUI: Cost 76, Risk 41, Mission 93, Tradability 57, Holdings 49, Durability 72.
Pillar letters and Scores for FINY, XLUI, with each pillar’s weight
PillarFINYXLUI
Cost30% weightF7A76Higher
Mission25% weightNot scoredA93
Risk15% weightA94HigherC41
Tradability15% weightD37B57Higher
Holdings10% weightNot scoredC49
Durability5% weightD25A72Higher

Rank among Sector Option Income funds

How we build Categories ›
Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

Same Category. FINY and XLUI are both graded against the same 22 Sector Option Income funds, so their Grades compare head to head.

Sector Option Income⁠

Category · 22 funds
See all 22 ›

XLUI ranks 4th and FINY 18th of 22 funds in the Sector Option Income Category.

  1. Rank 1AXLSIState Street Consumer Staples Select Sector SPDR Premium Income ETFScore 74
  2. Rank 2AXLIIState Street Industrial Select Sector SPDR Premium Income ETFScore 71
  3. Rank 2AXLVIState Street Health Care Select Sector SPDR Premium Income ETFScore 71
  4. Rank 4BXLUIState Street Utilities Select Sector SPDR Premium Income ETFScore 69
  5. Rank 5BXLFIState Street Financial Select Sector SPDR Premium Income ETFScore 67
  6. Rank 15CXLRIState Street Real Estate Select Sector SPDR Premium Income ETFScore 40
  7. Rank 18DFINYGraniteShares YieldBOOST Financials ETFScore 35
  8. Rank 19DGPTYYieldMax AI & Tech Portfolio Option Income ETFScore 34

Our read on each fund

ETF.net Research

FINYDGraniteShares YieldBOOST Financials ETF

XLUIBState Street Utilities Select Sector SPDR Premium Income ETF

In short

FINY FINY never buys a bank stock. It sells put options tied to a 3x leveraged financials ETF, harvesting the richer premiums that leverage creates, and pays the income out weekly. The leverage sits in the options, not in the fund.

XLUI Utilities run on regulated cash flows and steady dividends, the market's slow lane. XLUI parks there and sells calls against it, turning quiet into monthly income. It arrived in 2025 as part of the first suite to bolt a premium-income overlay onto sector SPDRs.

Stated mandate

FINY FINY seeks to earn three times the income from selling options tied to the Financial Select Sector Index, primarily through options on leveraged ETFs designed for 3x daily exposure. It may also gain exposure to that leveraged ETF, with gains capped.

XLUI The fund is an actively managed equity strategy seeking current income and long-term capital growth by investing in the State Street Utilities Select Sector SPDR ETF and selling call options on that ETF.

Why people hold it

  • FINY The income engine is options premium, not dividends. Options on a 3x leveraged financials ETF carry richer premiums than options on the plain sector index.graniteshares.com
  • The fund itself isn't leveraged. It runs a put spread: sell a near-the-money put, buy a further out-of-the-money put, which defines how far the downside can run.graniteshares.comgraniteshares.com 2
  • Sells weekly FLEX options and distributes weekly, so income arrives on a fast, fixed rhythm rather than once a quarter.graniteshares.com
  • One job, clearly stated: financials exposure through options tied to the Financial Select Sector Index. No style drift, no mystery sleeve.graniteshares.com
  • XLUI Simple plumbing: it owns State Street's utilities sector ETF and writes calls on that same fund. No stock picking, no basket drift, the sector exposure the label implies.ssga.com
  • 0.35% a year sits right at the median for its sector call-writing peers, and the cash comes monthly rather than quarterly.
  • One of the strongest builds in its sector-overlay group, with health care sibling XLVI, and the strategy it runs matches the one on the tin.
  • Eleven sector versions launched together, all on the same wrapper and the same 0.35% fee, so switching the sector tilt does not mean switching strategy.nasdaq.com

Worth knowing

  • FINY Running costs sit near the top of the sector option-income group: 1.07% a year against a 0.35% median, the level charged by peers like XLVI and XLUI. It also trades thinly.
  • Upside is capped by design. Any exposure to the leveraged ETF has its gains limited, so a financials rally shows up in the premium collected, not in the share price.graniteshares.com
  • Payouts can include return of capital, meaning part of a distribution is your own money coming back and your cost basis drops accordingly.graniteshares.com
  • XLUI Written calls trade away part of a rally. When utilities run hard, the premium collected is what you get instead of the full move.ssga.com
  • Launched in 2025 and still a small fund that trades thinly, so bid-ask spreads can run wider than on the underlying sector ETF.
  • One sector, one underlying holding. Results track utilities, and the monthly payout moves with option premiums and dividends rather than a fixed rate.ssga.com

Full FINY profile⁠

Full XLUI profile⁠

FINY vs XLUI Holdings

How FINY and XLUI differ

Overlap by weight

0.0%

Shared holdings make up 0.0% of FINY and 0.0% of XLUI.

Level by level

  • Asset classAlternatives, Equity0.0%
  • Holdings0 in both0.0%
  • Countryby domicile100%

Sector

No Sector split for FINY.

Country, concentration and asset class

Country by domicile

Country weights in FINY and XLUI, widest gap first
CountryMore in FINYMore in XLUI
United StatesSame weight

Concentration

Weight in the 10 largest Holdings

  • FINY100.3%
  • XLUI102.0%

Securities held

  • FINY3
  • XLUI1

Asset class

FINY
Alternatives
XLUI
Equity

Holdings

  • Only in FINY3
  • In both0
  • Only in XLUI1

Only in FINY

3 securities, 39.6% of FINY by weight

  • US TBill 02/04/202726.45%
  • US TBill 04/22/202713.10%
  • 2FAS 11/02/2026 P144.520.09%

Only in XLUI

1 security, 100% of XLUI by weight

  • State Street Utilities Select101.76%

Weight gaps

FINY and XLUI share no securities.

All FINY holdings⁠All 5 XLUI holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

FINY vs XLUI Cost

Overpaying FINY vs XLUI

$14,417

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

  • FINY 1.18%

    $21,543

  • XLUI 0.35%

    $7,126

$10,000
30 years

Cost over time

  • FINY 1.18%
  • XLUI 0.35%
  • Overpaying
One line per fund, from year 0 to year 30. Use the arrow keys to read each point.$0$5K$10K$15K$20K$25K051015202530FINY $21,543XLUI $7,126

Year by year

YearFINYXLUIOverpaying
10$2,065$634$1,431
20$7,697$2,454$5,243
30$21,543$7,126$14,417

Expense ratio

  • 1.18%FINY
  • 0.35%XLUI, cheaper
  • Middle half of Sector Option Income funds
  • Median 0.47%

XLUI cheapest of 22 funds

FINY 20th cheapest of 22 funds

FINY vs XLUI Dividends

Last 12 months to Oct 30, 2026
Yield (12M)
FINY No data
XLUI 15.28%
Payout (12M)
FINY No data
XLUI $3.51
Last payment
FINY $0.05
XLUI $0.42
Ex-dividend
FINY Oct 30, 2026
XLUI Oct 1, 2026
Paid on
FINY Pays Nov 3, 2026
XLUI Oct 5, 2026
Frequency
FINY Weekly
XLUI Monthly

Distribution history

Per share, 2026, same scale for both

FINYWeekly · 26 paymentsAll FINY payments⁠
One bar per payment. 26 payments in 2026 YTD. May 8, 2026 $0.14; May 15, 2026 $0.12; May 22, 2026 $0.12; May 29, 2026 $0.12; Jun 5, 2026 $0.12; Jun 12, 2026 $0.12; Jun 18, 2026 $0.12; Jun 26, 2026 $0.12; Jul 2, 2026 $0.12; Jul 10, 2026 $0.09; Jul 17, 2026 $0.10; Jul 24, 2026 $0.10; Jul 31, 2026 $0.10; Aug 7, 2026 $0.08; Aug 14, 2026 $0.07; Aug 21, 2026 $0.05; Aug 28, 2026 $0.05; Sep 4, 2026 $0.05; Sep 11, 2026 $0.06; Sep 18, 2026 $0.05; Sep 25, 2026 $0.05; Oct 2, 2026 $0.05; Oct 9, 2026 $0.05; Oct 16, 2026 $0.05; Oct 23, 2026 $0.05; Oct 30, 2026 $0.05. Use the arrow keys to read each point.$0$0.252026YTD
XLUIMonthly · 9 paymentsAll XLUI payments⁠
One bar per payment. 9 payments in 2026 YTD. Feb 2, 2026 $0.15; Mar 2, 2026 $0.23; Apr 1, 2026 $0.42; May 1, 2026 $0.28; Jun 1, 2026 $0.27; Jul 1, 2026 $0.34; Aug 3, 2026 $0.14; Sep 1, 2026 $0.22; Oct 1, 2026 $0.42. Use the arrow keys to read each point.$0$0.252026YTD

FINY vs XLUI Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years
FINY No dataXLUI 12.8%since Aug 2025
Return per unit of riskSharpe ratio, 3 years
FINY No dataXLUI 0.20since Aug 2025
Worst fallMax drawdown, 5 years
FINY No dataXLUI −12.3%since Jul 2025
Market sensitivityBeta, 5 years
FINY 0.12XLUI 0.002

Popular comparisons

  • FINYDvsXLSIA

    GraniteShares YieldBOOST Financials ETF · State Street Consumer Staples Select Sector SPDR Premium Income ETF

    Expense ratio
    1.18% · 0.35%
    Category
    Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

  • XLUIBvsXLSIA

    State Street Utilities Select Sector SPDR Premium Income ETF · State Street Consumer Staples Select Sector SPDR Premium Income ETF

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    0.35% · 0.35%
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  • FINYDvsXLIIA

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  • XLUIBvsXLIIA

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    0.35% · 0.35%
    Category
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  • FINYDvsXLVIA

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    1.18% · 0.35%
    Category
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  • XLUIBvsXLVIA

    State Street Utilities Select Sector SPDR Premium Income ETF · State Street Health Care Select Sector SPDR Premium Income ETF

    Expense ratio
    0.35% · 0.35%
    Category
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