FLOT vs USFR Stock Comparison: AI Score, Valuation, Performance and Upside
FLOT and USFR sit in related but distinct corners of the ETF landscape — FLOT centers on investment-grade floating-rate income with minimal duration risk, while USFR focuses on Treasury credit quality combined with floating-rate income. Investors choosing between them should weigh how each fund's strategy lines up with their own goals rather than assuming they're interchangeable.
Choosing between FLOT and USFR comes down to which specific exposure — investment-grade floating-rate income with minimal duration risk or Treasury credit quality combined with floating-rate income — better matches the role you want this holding to play in a diversified portfolio.
FLOT holds the edge across 3 of 5 key metrics in this comparison. FLOT has delivered stronger 1-year price return (+4.41% vs +4.08% for USFR).
- want investment-grade floating-rate income with minimal duration risk
- prefer iShares (BlackRock)'s approach and fund lineup
- value investment-grade credit quality reduces default risk versus loan or CLO funds
- are comfortable with lower yield than below-investment-grade floating-rate funds like BKLN
- want Treasury credit quality combined with floating-rate income
- prefer WisdomTree's approach and fund lineup
- value pure Treasury credit quality with zero default risk
- are comfortable with yield falls promptly when the Fed cuts short-term interest rates
| Metric | FLOT | USFR |
|---|---|---|
| ETF scorei | 24.4 | 24.4 |
| Latest closei | $50.95 | $50.48 |
| 1M returni | +0.30% | +0.33% |
| 3M returni | +0.99% | +1.03% |
| 6M returni | +2.26% | +2.00% |
| 1Y returni | +4.41% | +4.08% |
The ETF score weights long-term returns and risk-adjusted performance most heavily, but still rewards low expense ratios, larger fund size, and broader diversification — so it can favor low-cost, broad, mega-cap funds over smaller thematic or actively-managed funds even when the latter have delivered stronger returns.
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | FLOT | USFR |
|---|---|---|
| 1Y ago | $10.91K (+9.1%) started 2025-10-15 | $10.81K (+8.1%) started 2025-10-15 |
| 5Y ago | $15.81K (+58.1%) started 2021-10-15 | $14.82K (+48.2%) started 2021-10-15 |
| 10Y ago | $19.28K (+92.8%) started 2016-10-17 | $16.77K (+67.7%) started 2016-10-17 |
Hypothetical — past performance does not guarantee future results.
| Metric | FLOT | USFR |
|---|---|---|
| Expense ratioi | 0.15% | 0.15% |
| Total assets (AUM)i | $11.12B | $19.78B |
| Dividend yieldi | 4.34% | 3.73% |
| Trailing P/Ei | N/A | N/A |
| Betai | 0.02 | -0.00 |
| 52-week change | 4.41% | 4.08% |
| Metric | FLOT | USFR |
|---|---|---|
| 1Y returni | +4.41% | +4.08% |
| 6M returni | +2.26% | +2.00% |
| 3M returni | +0.99% | +1.03% |
| 1M returni | +0.30% | +0.33% |
| 1Y Sharpe ratio | -0.22 | -1.69 |
| Betai | 0.02 | -0.00 |
| Dividend yieldi | 4.34% | 3.73% |
| 5Y CAGR | +4.46% | +3.89% |
Over the past year, FLOT and USFR have moved barely in the same direction (correlation of 0.06), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | FLOT | USFR |
|---|---|---|---|
| 1Y | Growthi | +4.41% | +4.08% |
| CAGRi | +4.41% | +4.09% | |
| Volatilityi | 0.75% | 0.28% | |
| Sharpe ratioi | -0.22 | -1.69 | |
| Sortino ratioi | -0.32 | -2.21 | |
| Max drawdowni | 0.43% | 0.02% | |
| Current drawdowni | 0.02% | 0.00% | |
| Avg drawdowni | 0.02% | 0.00% | |
| Ulcer Indexi | 0.05% | 0.01% | |
| Max daily dropi | 0.24% | 0.02% | |
| Max wkly dropi | 0.29% | 0.00% | |
| 5Y | Growthi | +24.39% | +21.01% |
| CAGRi | +4.46% | +3.89% | |
| Volatilityi | 1.78% | 0.43% | |
| Sharpe ratioi | -0.06 | -1.56 | |
| Sortino ratioi | -0.07 | -1.91 | |
| Max drawdowni | 2.37% | 0.40% | |
| Current drawdowni | 0.02% | 0.00% | |
| Avg drawdowni | 0.12% | 0.01% | |
| Ulcer Indexi | 0.30% | 0.04% | |
| Max daily dropi | 1.58% | 0.40% | |
| Max wkly dropi | 2.37% | 0.38% | |
| 10Y | Growthi | +35.79% | +28.15% |
| CAGRi | +3.11% | +2.51% | |
| Volatilityi | 4.15% | 0.76% | |
| Sharpe ratioi | -0.32 | -2.63 | |
| Sortino ratioi | -0.40 | -3.31 | |
| Max drawdowni | 13.54% | 0.78% | |
| Current drawdowni | 0.02% | 0.00% | |
| Avg drawdowni | 0.17% | 0.05% | |
| Ulcer Indexi | 0.74% | 0.11% | |
| Max daily dropi | 6.83% | 0.75% | |
| Max wkly dropi | 10.20% | 0.62% |
| Category | FLOT | USFR |
|---|---|---|
| Fund name | iShares Floating Rate Bond ETF | WisdomTree Floating Rate Treasury Fund |
| Type | ETF | ETF |
| Expense ratioi | 0.15% | 0.15% |
| Total assets (AUM)i | $11.12B | $19.78B |
| Dividend yieldi | 4.34% | 3.73% |
- Investment-grade credit quality reduces default risk versus loan or CLO funds
- Floating-rate structure means minimal interest-rate duration risk
- More conservative than high-yield floating-rate alternatives
- Pure Treasury credit quality with zero default risk
- Floating-rate coupon resets keep yield closely aligned with current rates
- Essentially zero duration risk from fixed-rate price declines
- Lower yield than below-investment-grade floating-rate funds like BKLN
- Still carries some corporate credit risk versus pure Treasury funds
- Yield falls when short-term rates decline given the floating-rate structure
- Yield falls promptly when the Fed cuts short-term interest rates
- No capital appreciation potential the way long-duration bonds offer when rates fall
- Narrower Treasury-only floating-rate universe than broader floating-rate funds
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