IS3U.DE vs. ELFC.DE
IS3U.DE (iShares MSCI France UCITS ETF EUR (Acc)) and ELFC.DE (Deka Euro iSTOXX ex Fin Dividend Plus UCITS ETF) are both Europe Equities funds - IS3U.DE tracks the MSCI France Index while ELFC.DE tracks the EURO iSTOXX® ex Financials High Dividend 50. Both are passively managed. Over the past 10 years, IS3U.DE returned 9.25%/yr vs 8.86%/yr for ELFC.DE. A 0.78 correlation means they provide meaningful diversification when combined. IS3U.DE charges 0.25%/yr vs 0.30%/yr for ELFC.DE.
Performance
IS3U.DE vs. ELFC.DE - Performance Comparison
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Returns By Period
In the year-to-date period, IS3U.DE achieves a 3.55% return, which is significantly lower than ELFC.DE's 12.62% return. Both investments have delivered pretty close results over the past 10 years, with IS3U.DE having a 9.25% annualized return and ELFC.DE not far behind at 8.86%.
IS3U.DE
- 1D
- 1.13%
- 1M
- 0.06%
- YTD
- 3.55%
- 6M
- 4.27%
- 1Y
- 8.44%
- 3Y*
- 7.55%
- 5Y*
- 7.56%
- 10Y*
- 9.25%
ELFC.DE
- 1D
- -0.33%
- 1M
- -0.31%
- YTD
- 12.62%
- 6M
- 11.95%
- 1Y
- 20.69%
- 3Y*
- 12.09%
- 5Y*
- 10.14%
- 10Y*
- 8.86%
IS3U.DE vs. ELFC.DE - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
IS3U.DE iShares MSCI France UCITS ETF EUR (Acc) | 3.55% | 14.48% | 0.41% | 17.60% | -6.82% | 28.35% | -4.13% | 31.67% | -9.06% | 14.42% |
ELFC.DE Deka Euro iSTOXX ex Fin Dividend Plus UCITS ETF | 12.62% | 17.73% | -0.16% | 15.69% | 1.54% | 21.96% | -7.15% | 19.94% | -4.03% | 6.11% |
Correlation
The correlation between IS3U.DE and ELFC.DE is 0.63, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.63 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.71 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.76 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.79 |
Correlation (All Time) Calculated using the full available price history since Sep 30, 2015 | 0.78 |
The correlation between IS3U.DE and ELFC.DE shifts across timeframes, from 0.63 (1 year) to 0.79 (10 years), reflecting how their relationship changes across market environments.
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Return for Risk
IS3U.DE vs. ELFC.DE — Risk / Return Rank
IS3U.DE
ELFC.DE
IS3U.DE vs. ELFC.DE - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for iShares MSCI France UCITS ETF EUR (Acc) (IS3U.DE) and Deka Euro iSTOXX ex Fin Dividend Plus UCITS ETF (ELFC.DE). 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.
| IS3U.DE | ELFC.DE | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.23 | ||
| Sortino ratioReturn per unit of downside risk | -1.62 | ||
| Omega ratioGain probability vs. loss probability | 1.11 | 1.33 | -0.21 |
| Calmar ratioReturn relative to maximum drawdown | 0.76 | 3.00 | -2.24 |
| Martin ratioReturn relative to average drawdown | 2.37 | 8.42 | -6.05 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| IS3U.DE | ELFC.DE | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.58 | 1.81 | -1.23 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.46 | 0.73 | -0.27 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.53 | 0.56 | -0.03 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.48 | 0.55 | -0.07 |
Drawdowns
IS3U.DE vs. ELFC.DE - Drawdown Comparison
The maximum IS3U.DE drawdown since its inception was -38.98%, roughly equal to the maximum ELFC.DE drawdown of -37.68%. Use the drawdown chart below to compare losses from any high point for IS3U.DE and ELFC.DE.
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Drawdown Indicators
| IS3U.DE | ELFC.DE | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -38.98% | -37.68% | -1.30% |
Max Drawdown (1Y)Largest decline over 1 year | -10.86% | -6.71% | -4.15% |
Max Drawdown (3Y)Largest decline over 3 years | -15.91% | -15.02% | -0.89% |
Max Drawdown (5Y)Largest decline over 5 years | -20.82% | -16.85% | -3.97% |
Max Drawdown (10Y)Largest decline over 10 years | -38.98% | -37.68% | -1.30% |
Current DrawdownCurrent decline from peak | -2.54% | -1.60% | -0.94% |
Average DrawdownAverage peak-to-trough decline | -5.84% | -4.70% | -1.14% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.46% | 2.39% | +1.07% |
Volatility
IS3U.DE vs. ELFC.DE - Volatility Comparison
iShares MSCI France UCITS ETF EUR (Acc) (IS3U.DE) has a higher volatility of 4.25% compared to Deka Euro iSTOXX ex Fin Dividend Plus UCITS ETF (ELFC.DE) at 2.62%. This indicates that IS3U.DE's price experiences larger fluctuations and is considered to be riskier than ELFC.DE based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| IS3U.DE | ELFC.DE | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.25% | 2.62% | +1.63% |
Volatility (6M)Calculated over the trailing 6-month period | 11.24% | 8.07% | +3.17% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.26% | 11.12% | +3.14% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.21% | 13.76% | +2.45% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 17.42% | 16.40% | +1.02% |
IS3U.DE vs. ELFC.DE - Expense Ratio Comparison
IS3U.DE has a 0.25% expense ratio, which is lower than ELFC.DE's 0.30% expense ratio.
Dividends
IS3U.DE vs. ELFC.DE - Dividend Comparison
IS3U.DE has not paid dividends to shareholders, while ELFC.DE's dividend yield for the trailing twelve months is around 4.08%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
ELFC.DE Deka Euro iSTOXX ex Fin Dividend Plus UCITS ETF | 4.08% | 4.45% | 4.66% | 4.66% | 4.91% | 3.85% | 2.83% | 3.64% | 4.20% | 3.53% | 3.57% |
IS3U.DE iShares MSCI France UCITS ETF EUR (Acc) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
IS3U.DE and ELFC.DE have a correlation of 0.63, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, IS3U.DE is cheaper at 0.25% per year. The better choice depends on whether you care most about return, fees, risk, or income.
IS3U.DE is cheaper with a 0.25% expense ratio, compared with 0.30% for ELFC.DE.
IS3U.DE tracks MSCI France Index, while ELFC.DE tracks EURO iSTOXX® ex Financials High Dividend 50. They also come from different issuers: iShares and Deka. Their fees differ too: 0.25% for IS3U.DE and 0.30% for ELFC.DE.
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