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IPAYvsFCLDETF Comparison

ETF 1

IPAY

Amplify Mobile Payments ETF

This fund is part of

FinTech

+0.68%

Full IPAY fund page

VS

ETF 2

FCLD

Fidelity Cloud Computing ETF

This fund is part of

Cloud Computing

-0.02%

Full FCLD fund page

Amplify Mobile Payments ETF (IPAY) belongs to the FinTech segment. Fidelity Cloud Computing ETF (FCLD) is part of the Cloud Computing segment. IPAY's top 3 sector exposures are Information Technology and Financials. In contrast, FCLD's top sector exposures are Information Technology and Real Estate.Consumer Discretionary, IPAY is more expensive with a Total Expense Ratio (TER) of 0.75%, versus 0.39% for FCLD. IPAY is down -9.41% year-to-date (YTD) with -$24M in YTD flows. FCLD performs better with 4.21% YTD performance, and -$6M in YTD flows. Run a side-by-side ETF comparison of IPAY and FCLD below, and assess how they stack up in performance, liquidity, risk, exposure, holdings, and more, helping you select the best ETF for your investments.

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IPAY vs FCLD performance and flow charts

Performance

Cumulative Flows

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Daily, global ETF data for advanced analysis or integration into apps (API), from our partner Trackinsight.

Data Services

Historic performance and flows

Data as of 04/30/2026

		1M	3M	YTD	1Y	3Y	5Y
Perf.	IPAY FCLD	+12.51%+17.89%	-3.28%+6.04%	-9.41%+4.21%	-10.80%+24.20%	+14.81%+91.20%	-32.93%n/a
Flows	IPAY FCLD	-$4M-$2M	-$16M-$6M	-$24M-$6M	-$72M-$13M	-$336M+$27M	-$670M-

Volatility and drawdown

		3M	1Y	3Y	5Y
Volatility	IPAY FCLD	+29.40%+29.71%	+22.80%+24.65%	+22.14%+25.22%	+24.79%n/a
Max drawdown	IPAY FCLD	-15.37%-11.40%	-31.28%-17.12%	-32.90%-31.77%	-51.29%n/a
Max drawdown duration	IPAY FCLD	74d72d	298d171d	436d318d	1702dn/a

Trading data

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	IPAY	FCLD
Last sale 5/1/2026 at 1:30 PM	$47.57	$32.52
Previous close 04/29/2026	$47.12	$31.02
Consolidated volume 04/29/2026
Average volume 30 days
Average discount or premium 30 days
Average Bid/Ask spread 30 days

Replication quality

Data as of April 30, 2026

1-year trailing difference

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	IPAY	FCLD
Tracking error
Tracking difference
1 year cumulative return difference
Best
Worst
Daily return difference
Average
Worst

Main metrics

Last update 5/1/2026 at 1:30 PM

Live

Closed

	IPAY	FCLD
Last price	$47.57	$32.52
1D performance	+0.94%	+4.84%
AuM	$174.39 M	$86.80 M
E/R	0.75%	0.39%

Characteristics

	IPAY	FCLD
Management strategy	Passive	Passive
Provider	Amplify ETFs	Fidelity
Benchmark	Nasdaq CTA Global Digital Payments Index	Fidelity Cloud Computing Index
N° of holdings	36	44
Asset class	Equities	Equities
Trailing 12m distribution yield	Join	Join
Inception date	July 16, 2015	October 5, 2021
ESG	No	No

More IPAY data on Trackinsight

More FCLD data on Trackinsight

Exposure

Countries

IPAY

USA

78.61%

Other

21.39%

FCLD

USA

85.3%

Other

14.7%

Sectors

IPAY

Information Techn.

77.57%

Financials

16.66%

Other

5.77%

FCLD

Information Techn.

77.25%

Real Estate

8.08%

Other

14.66%

Diversification

IPAY

Total weight of top 15 holdings out of 15

75.19%

FCLD

Total weight of top 15 holdings out of 15

54.26%

Top 15 holdings

Data as of March 31, 2026

IPAY

MASTERCARD

6.15%

VISA INCORPORATION

6.12%

AMERICAN EXPRESS

5.63%

CAPITAL ONE FINANCIAL

5.60%

ADYEN NV

5.50%

PAYPAL HOLDINGS

5.27%

BLOCK INC

5.27%

WISE PLC

5.06%

FIDELITY NATIONAL INFORMATN SVCS

4.75%

TOAST

4.73%

COINBASE GLOBAL

4.61%

FISERV

4.36%

AFFIRM HOLDINGS

4.14%

US2199481068

4.05%

GLOBL PAYMNTS

3.95%

FCLD

US80004C2008

4.68%

WESTERN DIGITAL

4.67%

EQUINIX INC COMMON STOCK REIT

4.47%

SALESFORCE INC

4.42%

SEAGATE TECHNOLOGY HOLDINGS PLC

4.37%

MICROSOFT-T

4.29%

SERVICENOW

4.10%

APPLOVIN

3.74%

DIGITAL REALTY REIT

3.62%

SNOWFLAKE INC

3.22%

DATADOG

2.97%

ZOOM VIDEO COMMUNICATIONS INC

2.48%

NETAPP

2.47%

WORKDAY INC

2.46%

PURE STORAGE

2.31%

Frequently asked questions about IPAY and FCLD

How have the IPAY and FCLD ETFs performed in 2026?

As of April 30, 2026, IPAY is down -9.41% year-to-date (YTD), while FCLD has returned 4.21%. That puts FCLD better performer ahead so far this year.

Which ETF is attracting more investor money: IPAY or FCLD?

Year-to-date, the IPAY ETF saw -$24M in flows, compared to -$6M for FCLD.

Which ETF is more volatile: IPAY or FCLD?

Over the past year, IPAY had a volatility of 22.8%, while FCLD experienced 24.65%.

Which ETF is bigger: IPAY or FCLD?

As of April 30, 2026, IPAY holds $174.39 M in assets under management (AUM), while FCLD manages $86.80 M.

What sectors do the IPAY and FCLD ETFs invest in?

IPAY leans toward sectors like Information Technology and Financials. Meanwhile, FCLD focuses on Information Technology and Real Estate.

What are the top holdings of the IPAY ETF and FCLD ETF?

IPAY top holdings include MASTERCARD, VISA INCORPORATION and AMERICAN EXPRESS. FCLD holds in its top three: US80004C2008, WESTERN DIGITAL and EQUINIX INC COMMON STOCK REIT.

Which ETF is more diversified: IPAY or FCLD?

IPAY holds 39 securities with 75.19% of its assets in the top 15. FCLD has 49 securities and a top 15 weight of 54.26%.

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IPAY

IPAYvsFCLDETF Comparison

Amplify Mobile Payments ETF

Fidelity Cloud Computing ETF

IPAY vs FCLD performance and flow charts

Performance

Cumulative Flows

Get all the metrics on this page, and more, through a reliable ETF data feed

Countries

Sectors

Diversification

Top 15 holdings

How have the IPAY and FCLD ETFs performed in 2026?

As of April 30, 2026, IPAY is down -9.41% year-to-date (YTD), while FCLD has returned 4.21%. That puts FCLD better performer ahead so far this year.

Which ETF is attracting more investor money: IPAY or FCLD?

Year-to-date, the IPAY ETF saw -$24M in flows, compared to -$6M for FCLD.

Which ETF is more volatile: IPAY or FCLD?

Over the past year, IPAY had a volatility of 22.8%, while FCLD experienced 24.65%.

Which ETF is bigger: IPAY or FCLD?

As of April 30, 2026, IPAY holds $174.39 M in assets under management (AUM), while FCLD manages $86.80 M.

What sectors do the IPAY and FCLD ETFs invest in?

IPAY leans toward sectors like Information Technology and Financials. Meanwhile, FCLD focuses on Information Technology and Real Estate.

What are the top holdings of the IPAY ETF and FCLD ETF?

IPAY top holdings include MASTERCARD, VISA INCORPORATION and AMERICAN EXPRESS. FCLD holds in its top three: US80004C2008, WESTERN DIGITAL and EQUINIX INC COMMON STOCK REIT.

Which ETF is more diversified: IPAY or FCLD?

IPAY holds 39 securities with 75.19% of its assets in the top 15. FCLD has 49 securities and a top 15 weight of 54.26%.

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