XYF vs. SMH
XYF (X Financial) is a stock, while SMH (VanEck Semiconductor ETF) is Semiconductors fund tracking the MVIS US Listed Semiconductor 25 Index. Over the past 5 years, XYF returned -12.19%/yr vs 38.18%/yr for SMH. At a 0.16 correlation, their price movements are largely independent.
Performance
XYF vs. SMH - Performance Comparison
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Returns By Period
In the year-to-date period, XYF achieves a -7.62% return, which is significantly lower than SMH's 72.73% return.
XYF
- 1D
- 2.74%
- 1M
- 6.78%
- YTD
- -7.62%
- 6M
- -13.34%
- 1Y
- -68.89%
- 3Y*
- 8.62%
- 5Y*
- -12.19%
- 10Y*
- —
SMH
- 1D
- -7.01%
- 1M
- 7.93%
- YTD
- 72.73%
- 6M
- 71.29%
- 1Y
- 138.23%
- 3Y*
- 62.28%
- 5Y*
- 38.18%
- 10Y*
- 37.85%
XYF vs. SMH - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
XYF X Financial | -7.62% | -30.39% | 146.56% | 26.06% | 0.33% | 50.50% | -60.55% | -59.73% | -71.53% |
SMH VanEck Semiconductor ETF | 72.73% | 49.17% | 39.10% | 73.38% | -33.53% | 42.13% | 55.53% | 64.45% | -16.11% |
Correlation
The correlation between XYF and SMH is 0.13, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.13 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.08 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.14 |
Correlation (All Time) Calculated using the full available price history since Sep 19, 2018 | 0.16 |
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Return for Risk
XYF vs. SMH — Risk / Return Rank
XYF
SMH
XYF vs. SMH - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for X Financial (XYF) and VanEck Semiconductor ETF (SMH). 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.
| XYF | SMH | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -5.08 | ||
| Sortino ratioReturn per unit of downside risk | -5.97 | ||
| Omega ratioGain probability vs. loss probability | 0.76 | 1.58 | -0.82 |
| Calmar ratioReturn relative to maximum drawdown | -0.84 | 9.31 | -10.15 |
| Martin ratioReturn relative to average drawdown | -1.18 | 33.88 | -35.06 |
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Drawdowns
XYF vs. SMH - Drawdown Comparison
The maximum XYF drawdown since its inception was -96.61%, which is greater than SMH's maximum drawdown of -84.96%. Use the drawdown chart below to compare losses from any high point for XYF and SMH.
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Drawdown Indicators
| XYF | SMH | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.61% | -84.96% | -11.65% |
Max Drawdown (1Y)Largest decline over 1 year | -82.64% | -14.93% | -67.71% |
Max Drawdown (3Y)Largest decline over 3 years | -82.64% | -35.74% | -46.90% |
Max Drawdown (5Y)Largest decline over 5 years | -90.16% | -45.30% | -44.86% |
Max Drawdown (10Y)Largest decline over 10 years | — | -45.30% | — |
Current DrawdownCurrent decline from peak | -86.35% | -7.01% | -79.34% |
Average DrawdownAverage peak-to-trough decline | -84.04% | -41.01% | -43.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 58.35% | 4.10% | +54.25% |
Volatility
XYF vs. SMH - Volatility Comparison
X Financial (XYF) and VanEck Semiconductor ETF (SMH) have volatilities of 18.16% and 19.08%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| XYF | SMH | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 18.16% | 19.08% | -0.92% |
Volatility (6M)Calculated over the trailing 6-month period | 48.06% | 29.18% | +18.88% |
Volatility (1Y)Calculated over the trailing 1-year period | 62.94% | 34.87% | +28.07% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 78.32% | 35.83% | +42.49% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 91.38% | 32.97% | +58.41% |
Dividends
XYF vs. SMH - Dividend Comparison
XYF's dividend yield for the trailing twelve months is around 11.48%, more than SMH's 0.18% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SMH VanEck Semiconductor ETF | 0.18% | 0.31% | 0.44% | 0.60% | 1.18% | 0.51% | 0.69% | 1.50% | 1.88% | 1.43% | 0.80% | 2.14% |
XYF X Financial | 11.48% | 9.46% | 4.08% | 4.64% | 0.00% | 0.00% | 0.00% | 5.92% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
XYF and SMH have a correlation of 0.13, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SMH has higher volatility (19.08%) compared to XYF (18.16%). In terms of maximum drawdown, XYF dropped -96.61% vs SMH's -84.96%.
SMH currently has the higher Sharpe Ratio (3.99 vs -1.10), 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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