FNCLvsXLFETF Comparison
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Fidelity MSCI Financials Index ETF (FNCL) and State Street Financial Select Sector SPDR ETF (XLF) belong to the same industry segment: US Financials. Both ETFs have the same top 3 sector exposures: Finance, Technology and Business Services. FNCL is more expensive with a Total Expense Ratio (TER) of 0.084%, versus 0.08% for XLF. FNCL is up 3.16% year-to-date (YTD) with -$168M in YTD flows. XLF performs better with 3.28% YTD performance, and -$2.43B in YTD flows. Run a side-by-side ETF comparison of FNCL and XLF 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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FNCL vs XLF performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 10/27/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | FNCL XLF | +2.86%+3.09% | -2.05%-1.45% | +3.16%+3.28% | +6.46%+6.44% | +88.84%+86.00% | +52.34%+52.46% |
| Flows | FNCL XLF | -$58M-$1.47B | -$26M-$3.93B | -$168M-$2.43B | -$197M-$3.89B | +$62M+$1.05B | -$233M-$6.07B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | FNCL XLF | +13.12%+12.63% | +14.74%+14.41% | +16.78%+16.04% | +19.02%+18.32% |
| Max drawdown | FNCL XLF | -8.79%-8.51% | -14.71%-14.79% | -17.30%-15.51% | -25.71%-25.84% |
| Max drawdown duration | FNCL XLF | 54d54d | 177d177d | 129d116d | 770d770d |
Trading data
FNCL | XLF | |
Last sale 10/28/2026 at 1:30 PM | $79.35 | $56.13 |
| Previous close 10/27/2026 | $79.06 | $55.88 |
| Consolidated volume 10/27/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of September 30, 2026
1-year trailing difference
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FNCL | XLF | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 10/28/2026 at 1:30 PM
Live
Closed
FNCL | XLF | |
|---|---|---|
| Last price | $79.35 | $56.13 |
| 1D performance | +0.37% | +0.45% |
| AuM | $2.29 B | $51.65 B |
| E/R | 0.084% | 0.08% |
Characteristics
FNCL | XLF | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | Fidelity | State Street Investment Management |
| Benchmark | MSCI USA IMI Financials 25/50 Index | S&P Financials Select Sector Index |
| N° of holdings | 307 | 76 |
| Asset class | - | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | October 21, 2013 | December 16, 1998 |
| ESG | No | No |
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Exposure
Countries
FNCL
USA
96.39%
Other
3.61%
XLF
USA
96.37%
Other
3.63%
Sectors
FNCL
Finance
95.65%
Other
4.35%
XLF
Finance
95.38%
Other
4.62%
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Diversification
FNCL
Total weight of top 15 holdings out of 15
58.9%
XLF
Total weight of top 15 holdings out of 15
65.62%
Top 15 holdings
Data as of August 31, 2026
FNCL
JPMorgan Chase & Co.
10.87%
Berkshire Hathaway, Inc.
8.15%
Visa, Inc.
7.25%
Mastercard, Inc.
5.53%
Bank of America Corp.
4.63%
The Goldman Sachs Group, Inc.
3.48%
Wells Fargo & Co.
3.00%
Morgan Stanley
2.90%
Citigroup, Inc.
2.59%
The Charles Schwab Corp.
2.08%
American Express Co.
2.01%
BlackRock, Inc.
1.97%
S&P Global, Inc.
1.53%
The Progressive Corp.
1.46%
Capital One Financial Corp.
1.45%
XLF
JPMorgan Chase & Co.
11.70%
Berkshire Hathaway, Inc.
11.34%
Visa, Inc.
7.72%
Mastercard, Inc.
5.83%
Bank of America Corp.
4.96%
The Goldman Sachs Group, Inc.
3.69%
Wells Fargo & Co.
3.24%
Morgan Stanley
3.14%
Citigroup, Inc.
2.75%
The Charles Schwab Corp.
2.20%
American Express Co.
2.16%
BlackRock, Inc.
2.05%
Capital One Financial Corp.
1.64%
S&P Global, Inc.
1.62%
The Progressive Corp.
1.56%
Frequently asked questions about FNCL and XLF
How have the FNCL and XLF ETFs performed in 2026?
As of October 27, 2026, FNCL is up 3.16% year-to-date (YTD), while XLF has returned 3.28%. That puts XLF better performer ahead so far this year.
Which ETF is attracting more investor money: FNCL or XLF?
Year-to-date, the FNCL ETF saw -$168M in flows, compared to -$2.43B for XLF.
Which ETF is more volatile: FNCL or XLF?
Over the past year, FNCL had a volatility of 14.74%, while XLF experienced 14.41%.
Which ETF is bigger: FNCL or XLF?
As of October 27, 2026, FNCL holds $2.29 B in assets under management (AUM), while XLF manages $51.65 B.
What sectors do the FNCL and XLF ETFs invest in?
FNCL leans toward sectors like Finance. Meanwhile, XLF focuses on Finance.
What are the top holdings of the FNCL ETF and XLF ETF?
FNCL top holdings include JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc.. XLF holds in its top three: JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc..
Which ETF is more diversified: FNCL or XLF?
FNCL holds 307 securities with 58.9% of its assets in the top 15. XLF has 76 securities and a top 15 weight of 65.62%.
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Latest news about FNCL & XLF
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