FINT vs. EPIN

Last updated Aug 4, 2026

FINT (Frontier Asset Total International Equity ETF) and EPIN (Harbor International Equity ETF) are both Foreign Large Cap Equities funds. Both are actively managed. Over the past year, FINT returned 29.01% vs 38.63% for EPIN. Their correlation of 0.92 means they have usually moved in the same direction. FINT charges 0.90%/yr vs 0.80%/yr for EPIN.

Performance

FINT vs. EPIN - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Frontier Asset Total International Equity ETF (FINT) and Harbor International Equity ETF (EPIN). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FINT achieves a 14.92% return, which is significantly lower than EPIN's 23.91% return.

FINT

• 1D: 0.26%
• 1M: 1.20%
• 6M: 7.99%
• YTD: 14.92%
• 1Y: 29.01%
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: 27.01%

EPIN

• 1D: 0.45%
• 1M: -0.25%
• 6M: 14.24%
• YTD: 23.91%
• 1Y: 38.63%
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: 35.02%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
EPIN Harbor International Equity ETF	$42.70K	$24.96K	$19.91K
FINT Frontier Asset Total International Equity ETF	$83.75K	$95.10K	$235.84K

FINT vs. EPIN - Yearly Performance Comparison

	2026 (YTD)	2025
FINT Frontier Asset Total International Equity ETF	14.92%	13.79%
EPIN Harbor International Equity ETF	23.91%	14.36%

Correlation

The correlation between FINT and EPIN is 0.92, meaning they have usually moved in the same direction, including during past declines.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.92
Correlation (All Time) Calculated using the full available price history since Jun 5, 2025	0.92

The correlation between FINT and EPIN has been stable across timeframes, ranging from 0.92 to 0.92 - a consistent structural relationship.

Return for Risk

FINT vs. EPIN — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

FINT

FINT Risk / Return Rank: 75
FINT Sharpe Ratio Rank: 76
FINT Sortino Ratio Rank: 72
FINT Omega Ratio Rank: 76
FINT Calmar Ratio Rank: 75
FINT Martin Ratio Rank: 77

EPIN

EPIN Risk / Return Rank: 81
EPIN Sharpe Ratio Rank: 81
EPIN Sortino Ratio Rank: 78
EPIN Omega Ratio Rank: 80
EPIN Calmar Ratio Rank: 83
EPIN Martin Ratio Rank: 82

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

FINT vs. EPIN - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Frontier Asset Total International Equity ETF (FINT) and Harbor International Equity ETF (EPIN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	FINT	EPIN	Difference
Sharpe ratio: Return per unit of total volatility	1.89	2.03	-0.14
Sortino ratio: Return per unit of downside risk	2.57	2.75	-0.18
Omega ratio: Gain probability vs. loss probability	1.35	1.37	-0.02
Calmar ratio: Return relative to maximum drawdown	2.89	3.34	-0.45
Martin ratio: Return relative to average drawdown	10.76	12.00	-1.24

FINT vs. EPIN - Sharpe Ratio Comparison

The current FINT Sharpe Ratio is 1.89, which is comparable to the EPIN Sharpe Ratio of 2.03. The chart below compares the historical Sharpe Ratios of FINT and EPIN, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

FINT vs. EPIN - Drawdown Comparison

The maximum FINT drawdown since its inception was -13.64%, which is greater than EPIN's maximum drawdown of -11.64%. Use the drawdown chart below to compare losses from any high point for FINT and EPIN.

Drawdown Indicators

	FINT	EPIN	Difference
Max Drawdown Largest peak-to-trough decline	-13.64%	-11.64%	-2.00%
Max Drawdown (1Y) Largest decline over 1 year	-10.08%	-11.64%	+1.56%
Current Drawdown Current decline from peak	-1.45%	-2.05%	+0.60%
Average Drawdown Average peak-to-trough decline	-1.61%	-1.93%	+0.32%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.70%	3.23%	-0.53%

Volatility

FINT vs. EPIN - Volatility Comparison

The current volatility for Frontier Asset Total International Equity ETF (FINT) is 4.63%, while Harbor International Equity ETF (EPIN) has a volatility of 5.57%. This indicates that FINT experiences smaller price fluctuations and is considered to be less risky than EPIN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FINT	EPIN	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.63%	5.57%	-0.94%
Volatility (6M) Calculated over the trailing 6-month period	13.55%	16.91%	-3.36%
Volatility (1Y) Calculated over the trailing 1-year period	15.43%	19.13%	-3.70%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	16.24%	18.34%	-2.10%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.24%	18.34%	-2.10%

FINT vs. EPIN - Expense Ratio Comparison

FINT has a 0.90% expense ratio, which is higher than EPIN's 0.80% expense ratio.

Dividends

FINT vs. EPIN - Dividend Comparison

FINT's dividend yield for the trailing twelve months is around 1.87%, more than EPIN's 0.64% yield.

Position	TTM	2025
EPIN Harbor International Equity ETF	0.64%	0.79%
FINT Frontier Asset Total International Equity ETF	1.87%	2.20%

Frequently Asked Questions

Can I hold both FINT and EPIN in my portfolio?

With a correlation of 0.92, FINT and EPIN move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, FINT or EPIN?

EPIN has higher volatility (5.57%) compared to FINT (4.63%). In terms of maximum drawdown, FINT dropped -13.64% vs EPIN's -11.64%.

Which ETF is better, FINT or EPIN?

On 1-year performance, EPIN leads with 38.63% vs 29.01% for FINT. On fees, EPIN is cheaper at 0.80% per year. On volatility, FINT has been the lower-risk option at 4.63%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, FINT or EPIN?

Over the 1-year period, EPIN has performed better with a 38.63% return vs 29.01%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, FINT or EPIN?

EPIN is cheaper with a 0.80% expense ratio, compared with 0.90% for FINT.

Which ETF pays a higher dividend yield, FINT or EPIN?

FINT has the higher dividend yield at 1.87%, compared with 0.64% for EPIN.

What is the main difference between FINT and EPIN?

They also come from different issuers: Frontier and Harbor. Their fees differ too: 0.90% for FINT and 0.80% for EPIN.

Which has better risk-adjusted returns?

EPIN currently has the higher Sharpe Ratio (2.03 vs 1.89), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.