SFY vs. USO
SFY (SoFi Select 500 ETF) and USO (United States Oil Fund LP) are both exchange-traded funds - SFY is a Large Cap Growth Equities fund tracking the Solactive SoFi US 500 Growth Index, while USO is a Oil & Gas fund tracking the Front Month Light Sweet Crude Oil. Both are passively managed. Over the past 5 years, SFY returned 15.91%/yr vs 23.67%/yr for USO. At a 0.14 correlation, their price movements are largely independent. SFY charges 0.00%/yr vs 0.86%/yr for USO.
Performance
SFY vs. USO - Performance Comparison
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Returns By Period
In the year-to-date period, SFY achieves a 14.75% return, which is significantly lower than USO's 97.72% return.
SFY
- 1D
- 0.21%
- 1M
- 6.84%
- YTD
- 14.75%
- 6M
- 14.54%
- 1Y
- 35.47%
- 3Y*
- 27.66%
- 5Y*
- 15.91%
- 10Y*
- —
USO
- 1D
- -2.92%
- 1M
- -5.15%
- YTD
- 97.72%
- 6M
- 91.54%
- 1Y
- 97.20%
- 3Y*
- 28.78%
- 5Y*
- 23.67%
- 10Y*
- 3.57%
SFY vs. USO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
SFY SoFi Select 500 ETF | 14.75% | 22.67% | 29.81% | 29.36% | -22.84% | 28.03% | 24.52% | 13.38% |
USO United States Oil Fund LP | 97.72% | -8.46% | 13.35% | -4.94% | 28.97% | 64.68% | -67.79% | -3.47% |
Correlation
The correlation between SFY and USO is -0.30, meaning they tend to move in opposite directions. This is especially valuable for risk management - when one declines, the other has historically tended to hold steady or rise.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.30 |
Correlation (3Y) Calculated over the trailing 3-year period | -0.05 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.08 |
Correlation (All Time) Calculated using the full available price history since Apr 12, 2019 | 0.14 |
The correlation between SFY and USO shifts across timeframes, from -0.30 (1 year) to 0.14 (all time), reflecting how their relationship changes across market environments.
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Return for Risk
SFY vs. USO — Risk / Return Rank
SFY
USO
SFY vs. USO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for SoFi Select 500 ETF (SFY) and United States Oil Fund LP (USO). 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.
| SFY | USO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.26 | ||
| Sortino ratioReturn per unit of downside risk | +0.47 | ||
| Omega ratioGain probability vs. loss probability | 1.43 | 1.37 | +0.06 |
| Calmar ratioReturn relative to maximum drawdown | 3.30 | 4.79 | -1.49 |
| Martin ratioReturn relative to average drawdown | 14.42 | 9.00 | +5.42 |
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
| SFY | USO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.47 | 2.21 | +0.26 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.84 | 0.66 | +0.18 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.09 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.90 | -0.18 | +1.08 |
Drawdowns
SFY vs. USO - Drawdown Comparison
The maximum SFY drawdown since its inception was -33.25%, smaller than the maximum USO drawdown of -98.19%. Use the drawdown chart below to compare losses from any high point for SFY and USO.
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Drawdown Indicators
| SFY | USO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.25% | -98.19% | +64.94% |
Max Drawdown (1Y)Largest decline over 1 year | -10.79% | -20.39% | +9.60% |
Max Drawdown (3Y)Largest decline over 3 years | -21.04% | -26.05% | +5.01% |
Max Drawdown (5Y)Largest decline over 5 years | -27.72% | -36.23% | +8.51% |
Max Drawdown (10Y)Largest decline over 10 years | — | -86.75% | — |
Current DrawdownCurrent decline from peak | -0.82% | -85.45% | +84.63% |
Average DrawdownAverage peak-to-trough decline | -6.18% | -75.30% | +69.12% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.47% | 10.84% | -8.37% |
Volatility
SFY vs. USO - Volatility Comparison
The current volatility for SoFi Select 500 ETF (SFY) is 4.00%, while United States Oil Fund LP (USO) has a volatility of 14.97%. This indicates that SFY experiences smaller price fluctuations and is considered to be less risky than USO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SFY | USO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.00% | 14.97% | -10.97% |
Volatility (6M)Calculated over the trailing 6-month period | 11.09% | 38.35% | -27.26% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.44% | 44.32% | -29.88% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 19.01% | 36.09% | -17.08% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 20.19% | 39.00% | -18.81% |
SFY vs. USO - Expense Ratio Comparison
SFY has a 0.00% expense ratio, which is lower than USO's 0.86% expense ratio.
Dividends
SFY vs. USO - Dividend Comparison
SFY's dividend yield for the trailing twelve months is around 0.84%, while USO has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
SFY SoFi Select 500 ETF | 0.84% | 0.96% | 0.99% | 1.40% | 1.61% | 0.90% | 1.18% | 1.02% |
USO United States Oil Fund LP | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
SFY and USO have a correlation of -0.30, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
USO has higher volatility (14.97%) compared to SFY (4.00%). In terms of maximum drawdown, SFY dropped -33.25% vs USO's -98.19%.
On 5-year performance, USO leads with 23.67% vs 15.91% for SFY. On fees, SFY is cheaper at 0.00% per year. On volatility, SFY has been the lower-risk option at 4.00%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 5-year period, USO has performed better with a 23.67% return vs 15.91%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
SFY is cheaper with a 0.00% expense ratio, compared with 0.86% for USO.
SFY has the higher dividend yield at 0.84%, compared with 0.00% for USO.
SFY is categorized as Large Cap Growth Equities, while USO is Oil & Gas. SFY tracks Solactive SoFi US 500 Growth Index, while USO tracks Front Month Light Sweet Crude Oil. They also come from different issuers: Toroso Investments and USCF. Their fees differ too: 0.00% for SFY and 0.86% for USO.
SFY currently has the higher Sharpe Ratio (2.47 vs 2.21), 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.
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