IJR vs ITOT: Performance, Holdings, Fees & Risk
IJR and ITOT are ETFs, but they can differ materially in exposure, yield, fees and risk. IJR is iShares Core S&P Small-Cap ETF, while ITOT is iShares Core S&P Total U.S. Stock Market ETF. ITOT is broader by holdings count, with 2,438 positions versus 612 for IJR. ITOT is more concentrated at the top, based on top-10 holdings weight. Current AlgovestIQ evidence has IJR ahead on AIQ Score, 63 versus 56.
What is the main difference between IJR and ITOT?
ITOT holds 2,438 positions to IJR's 612, and 2% of their weight is in the same securities.
| Metric | IJR | ITOT |
|---|---|---|
| Fund | ||
| Expense ratio | 0.06% | 0.03% |
| Holdings | 612 | 2,438 |
| Top-10 concentration | 5.2% | 33.9% |
| Distribution yieldTrailing 12 months | 1.24% | 1.01% |
| Average volume | 3,376,029 | 1,619,536 |
| Performance | ||
| 1Y return | +16.9% | +15.8% |
| YTD return | +14.5% | +12.6% |
| 5Y annualized returnTotal return, distributions reinvested | +5.4% | +11.4% |
| Risk | ||
| Annualized volatility | 16% | 13% |
| Max drawdown (1Y) | -10% | -9.1% |
| Max drawdown (5Y)Total return, distributions reinvested | -28% | -25.4% |
| Beta | 0.94 | 1.02 |
| Sharpe ratio | 0.83 | 0.86 |
| Sortino ratio | 1.46 | 1.33 |
| AlgovestIQ | ||
| AIQ Score | 63/100 | 56/100 |
| AIQ Edge Score | 9/10 | 6/10 |
| Momentum | 54/100 | 51/100 |
| Risk Resilience | 81/100 | 87/100 |
AlgovestIQ AIQ Comparison
iShares Core S&P Small-Cap ETF vs iShares Core S&P Total U.S. Stock Market ETF
IJR leads
IJR leads by 7 AIQ points, primarily on Value, and the lead has widened from 2 points over 30 sessions.
Competitive: 2 of 4 evidence groups support IJR, its lead is widening, and its signal state is cleanly positive.
iShares Core S&P Small-Cap ETF
iShares Core S&P Total U.S. Stock Market ETF
The Algovestiq AIQ Score currently favors IJR over ITOT, 63 versus 56 as of Oct 21, 2026. IJR's advantage is driven primarily by stronger value, while ITOT holds the stronger risk resilience profile. IJR also shows the weaker technical structure relative to its 50-day moving average. 2 of 4 covered evidence groups favor IJR today, and the comparison is rated Competitive on stability: only 2 of 4 covered evidence groups agree. IJR lead: Strengthening — the AIQ differential moved from 2 to 7 points over 30 sessions.
Compare iShares Core S&P Small-Cap ETF and iShares Core S&P Total U.S. Stock Market ETF across performance, expense ratio, dividend yield, drawdown, volatility and the Algovestiq AIQ Score.
IJR vs ITOT: which fits what
Each row is settled by a single measure. Where the gap is too small to matter it reads Similar, and no row decides the comparison as a whole.
| If you want | IJR | ITOT | Fits |
|---|---|---|---|
| Lower costExpense ratio | 0.06% | 0.03% | ITOT |
| Broader diversificationNumber of holdings | 612 | 2,438 | ITOT |
| Lower concentrationWeight of the 10 largest holdings | 5.2% | 33.9% | IJR |
| Higher incomeTrailing 12-month distribution yield | 1.24% | 1.01% | IJR |
| Smaller drawdownsMax drawdown, 5 years | -28% | -25.4% | ITOT |
| Lower volatilityAnnualized volatility, 1 year | 16% | 13% | ITOT |
Similar means the gap is within 0.01 percentage points of expense ratio, 25% more holdings, 3 points of top-10 weight, 0.2 points of yield, 2 points of drawdown or 1 point of volatility. Past drawdowns and volatility describe the funds’ history, not their future.
Performance over time
Total return with distributions reinvested, from daily closes for both ETFs.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare IJR and ITOT against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Value55 vs 35IJR +20
- Risk Resilience81 vs 87ITOT +6
- Quality69 vs 66Even
- Momentum54 vs 51Even
2 of 4 evidence groups favor IJR. IJR’s edge is concentrated in value; ITOT keeps a meaningful risk resilience edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +16
No signal started or stopped since the prior session; its 4 active signals are unchanged.
Largest factor move: Momentum +3
No signal started or stopped since the prior session; its 7 active signals are unchanged.
IJR's lead widened by 3 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — IJR and ITOT both carry a full feed there.
The central trade-off
IJR (iShares Core S&P Small-Cap ETF): the stronger current systematic profile, led by value.
ITOT (iShares Core S&P Total U.S. Stock Market ETF): the counter-case, on risk resilience, technicals.
Fund facts, side by side
Two funds tracking overlapping universes are separated by cost and risk far more than by holdings. Those lead here.
| Measure | IJR | ITOT | Why it matters |
|---|---|---|---|
| Expense ratio | 0.06% | 0.03% | Lower is better — it compounds against you every year you hold. |
| Holdings | 612 | 2,438 | More holdings means broader diversification, not better returns. |
| Average volume | 3,376,029 | 1,619,536 | Liquidity — matters most if you trade size. |
| Annualized volatility | 16% | 13% | Lower is a steadier ride for the same exposure. |
| Max drawdown (1Y) | -10% | -9.1% | The worst peak-to-trough loss over the past year. |
| Sharpe ratio | 0.83 | 0.86 | Return per unit of risk. Higher is better. |
| Beta | 0.94 | 1.02 | Sensitivity to the broad market. Neither direction is better — it depends on the role in your portfolio. |
Where the exposure actually sits
Sector exposure for each fund, ordered by the size of the difference.
How much of the same holdings they own
IJR and ITOT share 2.42% of their weighted exposure across 597 common holdings.
7 holdings are unique to IJR, and 1,835 holdings are unique to ITOT. Owning both is genuinely additive — most of the capital sits in different securities.
ITOT is the more concentrated of the two: its ten largest positions are 33.85% of the fund, against 5.18% for IJR (2,438 holdings vs 612). Concentration cuts both ways — it is what drives outperformance when the top names work, and what makes the drawdown deeper when they do not.
Largest shared positions
| Holding | IJR | ITOT | Shared |
|---|---|---|---|
| INSWINTERNATIONAL SEAWAYS | 0.21% | 0.01% | 0.01% |
| CZRCAESARS ENTERTAINMENT INC | 0.31% | 0.01% | 0.01% |
| MXLMAXLINEAR | 0.37% | 0.01% | 0.01% |
| CAKECHEESECAKE FACTORY INC | 0.26% | 0.01% | 0.01% |
| NICNICOLET BANKSHARES INC | 0.18% | 0.01% | 0.01% |
| OPLNOPENLANE INC | 0.21% | 0.01% | 0.01% |
| BRCBRADY NONVOTING CLASS A | 0.21% | 0.01% | 0.01% |
| AZZAZZ INC | 0.24% | 0.01% | 0.01% |
Shared weight is the lower of the two positions — the portion of capital both funds genuinely have in the same security.
What IJR adds that ITOT doesn’t
| Holding | IJR | ITOT |
|---|---|---|
| CORTCORCEPT THERAPEUTICS | 0.58% | 0.01% |
| VSATVIASAT INC | 0.57% | 0.01% |
| GKOSGLAUKOS | 0.57% | 0.01% |
| FORMFORMFACTOR INC | 0.56% | 0.01% |
| EATBRINKER INTERNATIONAL INC | 0.54% | 0.01% |
| PTGXPROTAGONIST THERAPEUTICS | 0.5% | 0.01% |
What ITOT adds that IJR doesn’t
| Holding | ITOT | IJR |
|---|---|---|
| NVDANVIDIA | 7.33% | Not held |
| AAPLAPPLE | 6.27% | Not held |
| MSFTMICROSOFT | 4.94% | Not held |
| AMZNAMAZON.COM INC | 3.34% | Not held |
| GOOGLALPHABET CLASS A | 2.62% | Not held |
| AVGOBROADCOM INC | 2.33% | Not held |
Each list is a fund’s largest positions by weight that the other fund does not hold, or holds at less than half the weight.
IJR vs ITOT: five-year payout growth
IJR grew its split-adjusted payout faster over 2020-2025 — 11.03% a year against ITOT's 6.17%. ITOT never reduced its annual distribution in the window; IJR did in 2 years. IJR: The 2020 payout was 15.2% below 2019, so the growth rate measures a recovery from a weak starting year. IJR: The payout jumped 71.3% in 2021, a single step rather than steady compounding - often an index or mandate change. ITOT: The 2020 payout was 10.6% below 2019, so the growth rate measures a recovery from a weak starting year.
| Dividend metric | IJR | ITOT |
|---|---|---|
| 5Y payout CAGR | 11.03% | 6.17% |
| 2020 annual payout | $1.024 | $1.219 |
| 2025 annual payout | $1.727 | $1.644 |
| Calendar-year declines | 2 | 0 |
| Peer rank | #52 of 138 | #84 of 138 |
Split-adjusted annual distributions, 2020–2025. Research as of Sep 19, 2026. Yield and expense ratio above are current values, not part of this window.
AIQ Agreement Matrix
2 of 4 covered evidence groups favor IJR. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | IJR | 63 vs 56 |
| Fundamentals | Not covered | Not covered |
| Valuation | IJR | Value 55 vs 35 |
| Technicals | ITOT | Price vs 50-day -2.8% vs 0.3%; vs 200-day 0.8% vs 5.4% |
| Risk Resilience | ITOT | Risk Resilience 81 vs 87 |
| Analyst expectations | Not covered | Not covered |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of IJR and ITOT and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is moderate at 7 points.
- Only 2 of 4 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been widening. (supports the conclusion holding)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on IJR.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20IJR lead: Strengthening — the AIQ differential moved from 2 to 7 points over 30 sessions.
- Today
- IJR +7
- 63 vs 56
- 7 sessions ago
- IJR +6
- 61 vs 55
- 30 sessions ago
- IJR +2
- 57 vs 55
- 90 sessions ago
- IJR +3
- 67 vs 64
The lead changed hands 6 times in this window, most recently on Oct 2 when ITOT moved ahead of IJR.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 0 bearish / 2 neutral
Only IJR
- MACD Bullish Crossover — bullish, momentum, short horizon
3 bullish / 1 bearish / 3 neutral, conflicted
Only ITOT
- EMA Ribbon Compression — neutral, trend, medium horizon
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- 52-Week High Proximity — bullish, risk, long horizon (1.7%)
- MACD Bearish Crossover — bearish, momentum, short horizon
Both carry 3 more signals that do not separate them: Bollinger Band Squeeze, Golden Cross Active, ATR Contraction - Coiling.
ITOT is conflicted, so the timing case there is weaker than the score alone suggests.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.09%, AIQ +4 points).
Price and the AIQ Score both moved up over the latest session (price +0.59%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1ITOT closes the Value gap — currently 20 points behind, the largest single contributor to IJR's edge.
- 2ITOT's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3IJR's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Performance
Split across windows| Metric | IJR | ITOT |
|---|---|---|
| 1 week (5 sessions) | 0% | -1.1% |
| 1 month (20 sessions) | -1.5% | -0.9% |
| 3 months (63 sessions) | -5.6% | 2.2% |
| 6 months (126 sessions) | 1.9% | 8.4% |
| Year to date | 14.5% | 12.6% |
| 1 year (252 sessions) | 16.9% | 15.8% |
Technicals
ITOT has the stronger structure| Metric | IJR | ITOT |
|---|---|---|
| RSI (14) | 56.3 | 54.6 |
| ADX (14) | 39.3 | 13.5 |
| Price vs 50-day | -2.8% | 0.3% |
| Price vs 200-day | 0.8% | 5.4% |
| Volatility (1M, annualized) | 13.1% | 9.4% |
Risk
ITOT is the more resilient| Metric | IJR | ITOT |
|---|---|---|
| Beta | 0.94 | 1.02 |
| Sharpe ratio | 0.83 | 0.86 |
| Sortino ratio | 1.46 | 1.33 |
| Max drawdown | -10% | -9.1% |
| Current drawdown | -8.5% | -1.9% |
| Annualized volatility | 16% | 13% |
| Value at risk (95%) | -1.6% | -1.3% |
Straight answers
Short answers to the questions fund investors ask about this pair, from the figures above.
What is the difference between IJR and ITOT?
ITOT holds 2,438 positions to IJR's 612, and 2% of their weight is in the same securities.
How much do IJR and ITOT overlap?
IJR and ITOT share 2.42% of their weighted exposure across 597 common holdings. 7 holdings are unique to IJR, and 1,835 holdings are unique to ITOT. Owning both is genuinely additive — most of the capital sits in different securities.
Which ETF is more diversified, IJR or ITOT?
ITOT holds more positions: 2,438 versus 612 for IJR.
Which has the lower expense ratio?
ITOT has the lower expense ratio, 0.03% a year against 0.06% for IJR.
Which ETF has the higher distribution yield?
IJR, with a trailing 12-month distribution yield of 1.24% against 1.01% for ITOT.
Which ETF has been more volatile?
IJR has been more volatile over the past year, at 16% annualized against 13% for ITOT.
Which ETF has had the smaller drawdown?
ITOT fell less from peak to trough over the past five years: -25.4% against -28% for IJR.
Compare IJR and ITOT with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.