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IPAY vs SPY

Comparison between Amplify Mobile Payments ETF (IPAY, ETF) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed IPAY, delivering a return of +13.3% compared to -8.8%

IPAY vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Net Assets
IPAY
$174M
Winner
SPY
$735B
Expense Ratio
IPAY
0.75%
Winner
SPY
0.09%
Max Drawdown
Winner
IPAY
51.75%
SPY
56.47%
Sharpe Ratio
IPAY
-1.18
Winner
SPY
1.62
5Y Beta
IPAY
1.17
Winner
SPY
1.00
P/E Ratio
Winner
IPAY
19.97
SPY
28.99
Forward P/E
Winner
IPAY
12.21
SPY
22.37
PEG Ratio
IPAY
0.36
SPY
N/A
5Y Dividends CAGR
IPAY
N/A
SPY
5.43%
5Y EPS CAGR
IPAY
N/A
SPY
26.05%
Debt to Equity
IPAY
122.34%
Winner
SPY
32.40%
P/S Ratio
Winner
IPAY
1.57
SPY
3.74
P/B Ratio
Winner
IPAY
2.40
SPY
5.61

IPAY vs SPY - Holdings Comparison

IPAY and SPY have 12 common holdings. Overlap is 2.22%

IPAY's top 25 holdings weight is 91.58%. SPY's top 25 holdings weight is 52.37%.

RankIPAYSPY
#1
AFFIRM HOLDINGS INC ORDINARY SHARES CLASS A (AFRM) - 6.14%
NVIDIA CORP (NVDA) - 8.10%
#2
VISA INC CLASS A (V) - 6.14%
APPLE INC (AAPL) - 7.02%
#3
BLOCK INC CLASS A (XYZ) - 5.89%
MICROSOFT CORP (MSFT) - 4.79%
#4
ADYEN NV (n/a) - 5.77%
AMAZON.COM INC (AMZN) - 4.02%
#5
MASTERCARD INC CLASS A (MA) - 5.66%
ALPHABET INC CLASS A (GOOGL) - 3.51%
#6
AMERICAN EXPRESS CO (AXP) - 5.42%
BROADCOM INC (AVGO) - 3.10%
#7
CAPITAL ONE FINANCIAL CORP (COF) - 5.40%
ALPHABET INC CLASS C (GOOG) - 2.79%
#8
WISE GROUP PLC CLASS A (WSE) - 4.94%
META PLATFORMS INC CLASS A (META) - 2.08%
#9
PAYPAL HOLDINGS INC (PYPL) - 4.80%
TESLA INC (TSLA) - 1.89%
#10
COINBASE GLOBAL INC ORDINARY SHARES CLASS A (COIN) - 4.76%
MICRON TECHNOLOGY INC (MU) - 1.56%
#11
CORPAY INC (CPAY) - 4.49%
BERKSHIRE HATHAWAY INC CLASS B (BRK-B) - 1.37%
#12
FISERV INC (FISV) - 4.10%
ELI LILLY AND CO (LLY) - 1.31%
#13
GLOBAL PAYMENTS INC (GPN) - 4.02%
JPMORGAN CHASE & CO (JPM) - 1.28%
#14
TOAST INC CLASS A (TOST) - 3.90%
ADVANCED MICRO DEVICES INC (AMD) - 1.27%
#15
FIDELITY NATIONAL INFORMATION SERVICES INC (FIS) - 3.89%
EXXON MOBIL CORP (XOM) - 0.97%
#16
WEX INC (WEX) - 2.41%
INTEL CORP (INTC) - 0.90%
#17
ACI WORLDWIDE INC (ACIW) - 1.94%
JOHNSON & JOHNSON (JNJ) - 0.86%
#18
REMITLY GLOBAL INC (RELY) - 1.82%
VISA INC CLASS A (V) - 0.85%
#19
NEXI SPA (n/a) - 1.74%
WALMART INC (WMT) - 0.81%
#20
STONECO LTD CLASS A (STNE) - 1.74%
CISCO SYSTEMS INC (CSCO) - 0.72%
#21
GMO PAYMENT GATEWAY INC (n/a) - 1.50%
COSTCO WHOLESALE CORP (COST) - 0.69%
#22
EURONET WORLDWIDE INC (EEFT) - 1.47%
CATERPILLAR INC (CAT) - 0.66%
#23
THE WESTERN UNION CO (WU) - 1.26%
MASTERCARD INC CLASS A (MA) - 0.62%
#24
Q2 HOLDINGS INC (QTWO) - 1.19%
LAM RESEARCH CORP (LRCX) - 0.62%
#25
ZIP CO LTD (n/a) - 1.19%
ABBVIE INC (ABBV) - 0.58%
Total Holdings43505

IPAY vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
IPAY
-8.03%
Winner
SPY
+1.90%
3M
IPAY
-6.38%
Winner
SPY
+8.55%
6M
IPAY
-16.43%
Winner
SPY
+8.18%
1Y
IPAY
-24.27%
Winner
SPY
+25.79%
5Y(CAGR)
IPAY
-8.83%
Winner
SPY
+13.32%
10Y(CAGR)
IPAY
+5.82%
Winner
SPY
+15.19%
Max(CAGR)
IPAY
+5.18%
Winner
SPY
+8.47%

IPAY vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearIPAYSPY
2026-16.30%+8.26%
2025-9.72%+18.00%
2024+27.55%+25.59%
2023+18.33%+26.72%
2022-33.83%-18.64%
2021-11.52%+30.52%
2020+32.25%+17.28%
2019+41.36%+31.09%
2018-0.03%-5.24%
2017+34.66%+20.78%
2016+6.72%+13.59%
2015-2.75%+1.31%
2014N/A+14.56%
2013N/A+29.00%
2012N/A+14.17%
2011N/A+0.85%
2010N/A+13.14%
2009N/A+22.67%
2008N/A-36.25%
2007N/A+5.32%
2006N/A+13.85%
2005N/A+5.32%
2004N/A+10.75%
2003N/A+24.18%
2002N/A-22.42%
2001N/A-10.13%
2000N/A-8.84%
1999N/A+8.61%

IPAY vs SPY Drawdown Comparison

The maximum drawdown for IPAY was -51.75%, occurring on Oct 27, 2023. This drawdown has not yet recovered.

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current IPAY drawdown is -39.93%. The current SPY drawdown is -2.90%.

RankIPAYSPY
#1-51.75%
Apr 28, 2021 - Oct 27, 2023		-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-42.94%
Feb 19, 2020 - Aug 24, 2020		-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-25.01%
Sep 25, 2018 - Apr 1, 2019		-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-21.72%
Oct 28, 2015 - Jan 3, 2017		-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-12.48%
Oct 12, 2020 - Nov 9, 2020		-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-10.15%
Jan 26, 2018 - May 17, 2018		-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-10.04%
Jul 29, 2019 - Jan 2, 2020		-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-9.86%
Aug 18, 2015 - Oct 28, 2015		-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-8.76%
Sep 2, 2020 - Oct 12, 2020		-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-8.12%
Feb 16, 2021 - Apr 15, 2021		-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-6.73%
Jan 8, 2021 - Feb 4, 2021		-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-5.35%
Apr 30, 2019 - May 22, 2019		-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-4.77%
Jul 25, 2018 - Aug 24, 2018		-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-4.46%
Jun 18, 2018 - Jul 12, 2018		-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-3.83%
May 22, 2019 - Jun 5, 2019		-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between IPAY and SPY is 0.63 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.63
-101

Dividend Comparison (1999 - 2026)

IPAY vs SPY dividend yield comparison.

YearIPAYSPY
20260.00%0.24%
20250.79%1.07%
20240.77%1.21%
20230.00%1.40%
20220.00%1.65%
20210.00%1.20%
20200.00%1.52%
20190.00%1.75%
20180.00%2.04%
20170.00%1.80%
20160.00%2.03%
20150.00%2.06%
20140.00%1.87%
20130.00%1.81%
20120.00%2.18%
20110.00%2.05%
20100.00%1.80%
20090.00%1.95%
20080.00%3.02%
20070.00%1.85%
20060.00%1.73%
20050.00%1.73%
20040.00%1.82%
20030.00%1.47%
20020.00%1.70%
20010.00%1.25%
20000.00%1.15%
19990.00%0.24%

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