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. FNCL's top 3 sector exposures are Financials, Information Technology and Real Estate. In contrast, XLF's top sector exposures are Financials, Information Technology Both FNCL and XLF have the same Total Expense Ratio (TER) of 0.08%. FNCL is down -4.17% year-to-date (YTD) with -$108M in YTD flows. XLF performs worse with -5.56% YTD performance, and +$1.18B 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 04/23/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | FNCL XLF | +5.90%+4.42% | -1.79%-3.16% | -4.17%-5.56% | +13.28%+8.27% | +69.09%+62.88% | +60.22%+58.07% |
| Flows | FNCL XLF | -$110M+$1.86B | -$135M-$2.30B | -$108M+$1.18B | -$91M-$624M | +$48M+$2.72B | -$14M-$1.59B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | FNCL XLF | +17.96%+17.57% | +15.21%+14.66% | +17.12%+16.22% | +19.40%+18.72% |
| Max drawdown | FNCL XLF | -11.77%-11.42% | -14.71%-14.79% | -17.30%-15.51% | -25.71%-25.84% |
| Max drawdown duration | FNCL XLF | 74d75d | 107d108d | 129d116d | 770d770d |
Trading data
FNCL | XLF | |
Last sale 4/24/2026 at 1:30 PM | $73.58 | $51.42 |
| Previous close 04/23/2026 | $74.01 | $51.80 |
| Consolidated volume 04/23/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of March 31, 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 4/24/2026 at 1:30 PM
Live
Closed
FNCL | XLF | |
|---|---|---|
| Last price | $73.58 | $51.42 |
| 1D performance | -0.58% | -0.73% |
| AuM | $2.20 B | $51.01 B |
| E/R | 0.08% | 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 | 345 | 75 |
| 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
95.48%
Other
4.52%
XLF
USA
95.93%
Other
4.07%
Sectors
FNCL
Financials
82.05%
Information Techn.
14.45%
Other
3.49%
XLF
Financials
82.37%
Information Techn.
15.19%
Other
2.44%
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Diversification
FNCL
Total weight of top 15 holdings out of 15
56.08%
XLF
Total weight of top 15 holdings out of 15
65.62%
Top 15 holdings
Data as of March 31, 2026
FNCL
JPMORGAN CHASE
10.02%
BERKSHIRE HATHWAY
8.25%
VISA INCORPORATION
6.51%
MASTERCARD
5.35%
BK OF AMERICA CO
4.17%
WELLS FARGO
3.13%
THE GOLDMAN SACHS GROUP
3.12%
CITIGROUP
2.54%
MORGAN STANLEY
2.45%
AMERICAN EXPRESS
2.08%
CHARLES SCHWAB
2.01%
US09290D1019
1.80%
S&P GLOBAL INC
1.61%
CHUBB LTD
1.53%
PROGRESSIVE
1.50%
XLF
BERKSHIRE HATHWAY
12.46%
JPMORGAN CHASE
11.24%
VISA INCORPORATION
7.20%
MASTERCARD
5.77%
BK OF AMERICA CO
4.59%
THE GOLDMAN SACHS GROUP
3.60%
WELLS FARGO
3.49%
CITIGROUP
2.81%
MORGAN STANLEY
2.81%
AMERICAN EXPRESS
2.30%
CHARLES SCHWAB
2.23%
US09290D1019
1.97%
S&P GLOBAL INC
1.84%
CHUBB LTD
1.68%
PROGRESSIVE
1.65%
Frequently asked questions about FNCL and XLF
How have the FNCL and XLF ETFs performed in 2026?
As of April 23, 2026, FNCL is down -4.17% year-to-date (YTD), while XLF has lost -5.56%. That puts FNCL better performer ahead so far this year.
Which ETF is attracting more investor money: FNCL or XLF?
Year-to-date, the FNCL ETF saw -$108M in flows, compared to +$1.18B for XLF.
Which ETF is more volatile: FNCL or XLF?
Over the past year, FNCL had a volatility of 15.21%, while XLF experienced 14.66%.
Which ETF is bigger: FNCL or XLF?
As of April 23, 2026, FNCL holds $2.20 B in assets under management (AUM), while XLF manages $51.01 B.
What sectors do the FNCL and XLF ETFs invest in?
FNCL leans toward sectors like Financials and Information Technology. Meanwhile, XLF focuses on Financials and Information Technology.
What are the top holdings of the FNCL ETF and XLF ETF?
FNCL top holdings include JPMORGAN CHASE, BERKSHIRE HATHWAY and VISA INCORPORATION. XLF holds in its top three: BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION.
Which ETF is more diversified: FNCL or XLF?
FNCL holds 383 securities with 56.08% 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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December 1, 2023
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