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EFFI vs XPAY

Comparison between HARBOR OSMOSIS INTERNATIONAL RESOURCE EFFICIENT ETF (EFFI, ETF) and ROUNDHILL S&P 500 TARGET 20 MANAGED DISTRIBUTION ETF (XPAY, ETF).

EFFI vs XPAY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Net Assets
Winner
EFFI
$149M
XPAY
$148M
Expense Ratio
EFFI
0.55%
Winner
XPAY
0.49%
Max Drawdown
Winner
EFFI
13.64%
XPAY
23.01%
Sharpe Ratio
EFFI
0.95
Winner
XPAY
1.50
5Y Beta
Winner
EFFI
0.72
XPAY
0.94

EFFI vs XPAY - Holdings Comparison

EFFI and XPAY have 0 common holdings. Overlap is 0.00%

EFFI's top 25 holdings weight is 64.96%. XPAY's top 25 holdings weight is 6.15%.

RankEFFIXPAY
#1
RECRUIT HOLDINGS CO LTD (n/a) - 4.39%
FIRST AMERICAN GOVERNMENT OBLIGS X (FGXXX) - 6.15%
#2
SONOVA HOLDING AG (n/a) - 3.90%
N/A
#3
TOYOTA TSUSHO CORP (n/a) - 3.47%
N/A
#4
MERCEDES-BENZ GROUP AG (MBG:XETR) - 3.44%
N/A
#5
GLENCORE PLC (n/a) - 3.33%
N/A
#6
SWEDISH ORPHAN BIOVITRUM AB (n/a) - 3.33%
N/A
#7
L'OREAL SA (n/a) - 3.26%
N/A
#8
KEYENCE CORP (n/a) - 2.93%
N/A
#9
MEDIBANK PVT LTD (n/a) - 2.60%
N/A
#10
LUNDIN GOLD INC (LUGDF) - 2.57%
N/A
#11
ROYAL BANK OF CANADA (RY) - 2.52%
N/A
#12
VESTAS WIND SYSTEMS AS (n/a) - 2.50%
N/A
#13
UNICREDIT SPA (n/a) - 2.49%
N/A
#14
ASTRAZENECA PLC (AZN) - 2.45%
N/A
#15
ENBRIDGE INC (ENB) - 2.35%
N/A
#16
BANCO SANTANDER SA (n/a) - 2.34%
N/A
#17
SINGAPORE EXCHANGE LTD (n/a) - 2.15%
N/A
#18
AERCAP HOLDINGS NV (AER) - 2.14%
N/A
#19
BARCLAYS PLC (n/a) - 1.96%
N/A
#20
OBIC CO LTD (n/a) - 1.95%
N/A
#21
AKZO NOBEL NV (n/a) - 1.92%
N/A
#22
MANULIFE FINANCIAL CORP (MFC) - 1.80%
N/A
#23
THE TORONTO-DOMINION BANK (TD) - 1.79%
N/A
#24
ANHEUSER-BUSCH INBEV SA/NV (n/a) - 1.71%
N/A
#25
SMITHS GROUP PLC (n/a) - 1.67%
N/A
Total Holdings841

EFFI vs XPAY - Historical Returns

Returns include dividend reinvestment.

1M
Winner
EFFI
+1.85%
XPAY
+0.19%
3M
EFFI
+6.70%
Winner
XPAY
+11.32%
6M
EFFI
+6.61%
Winner
XPAY
+8.85%
1Y
EFFI
+17.59%
Winner
XPAY
+23.27%
Max(CAGR)
Winner
EFFI
+22.60%
XPAY
+17.98%

EFFI vs XPAY - Annual Returns (2024 - 2026)

Returns include dividend reinvestment.

YearEFFIXPAY
2026+4.55%+8.41%
2025+33.64%+16.85%
2024-3.24%+3.12%

EFFI vs XPAY Drawdown Comparison

The maximum drawdown for EFFI was -13.64%, occurring on Apr 8, 2025. Recovery took 36 trading sessions.

The maximum drawdown for XPAY was -18.21%, occurring on Apr 8, 2025. Recovery took 88 trading sessions.

The current EFFI drawdown is -1.05%. The current XPAY drawdown is -2.59%.

RankEFFIXPAY
#1-13.64%
Mar 5, 2025 - Apr 25, 2025
-18.21%
Feb 19, 2025 - Jun 26, 2025
#2-10.55%
Feb 25, 2026 - May 27, 2026
-9.33%
Jan 28, 2026 - Apr 15, 2026
#3-5.66%
Nov 12, 2025 - Dec 11, 2025
-5.03%
Oct 28, 2025 - Dec 11, 2025
#4-4.40%
Jul 23, 2025 - Aug 13, 2025
-4.40%
Dec 6, 2024 - Jan 23, 2025
#5-3.96%
Dec 12, 2024 - Jan 21, 2025
-4.34%
Jun 2, 2026 - Jun 10, 2026
#6-3.91%
Oct 6, 2025 - Oct 28, 2025
-2.87%
Oct 8, 2025 - Oct 24, 2025
#7-3.84%
Jan 27, 2026 - Feb 25, 2026
-2.68%
Dec 11, 2025 - Dec 24, 2025
#8-3.25%
May 29, 2026 - Jun 10, 2026
-2.56%
Jan 12, 2026 - Jan 27, 2026
#9-2.66%
Sep 8, 2025 - Oct 3, 2025
-2.41%
Jul 25, 2025 - Aug 12, 2025
#10-2.66%
Jan 30, 2025 - Feb 11, 2025
-2.35%
Nov 11, 2024 - Nov 26, 2024
#11-2.32%
Jun 12, 2025 - Jun 26, 2025
-2.00%
Jan 23, 2025 - Feb 19, 2025
#12-2.18%
Jul 10, 2025 - Jul 23, 2025
-1.84%
May 14, 2026 - May 26, 2026
#13-1.78%
Aug 22, 2025 - Sep 8, 2025
-1.52%
Aug 13, 2025 - Aug 22, 2025
#14-1.72%
Jan 15, 2026 - Jan 22, 2026
-1.40%
Aug 28, 2025 - Sep 9, 2025
#15-1.30%
Oct 29, 2025 - Nov 7, 2025
-1.38%
Sep 22, 2025 - Oct 1, 2025

Correlation

Correlation between EFFI and XPAY is 0.91 which considered as a very strong positive correlation - the stocks move almost identically together.

0.91
-101

Dividend Comparison (2024 - 2026)

EFFI vs XPAY dividend yield comparison.

YearEFFIXPAY
20260.00%10.21%
20254.33%21.21%
20240.00%3.40%

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