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FNCLvsXLFETF Comparison
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 -8.42% year-to-date (YTD) with +$9M in YTD flows. XLF performs worse with -9.32% YTD performance, and -$1.37B 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.
FNCL vs XLF performance and flow charts
Performance
Cumulative Flows
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | FNCL XLF | -6.99%-5.86% | -6.96%-9.19% | -8.42%-9.32% | +7.63%+5.75% | +62.54%+64.81% | +57.93%+57.28% |
| Flows | FNCL XLF | -$18M-$4.11B | +$13M-$1.61B | +$9M-$1.37B | +$20M-$4.40B | +$143M+$1.23B | +$218M-$3.60B |
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | FNCL XLF | +17.20%+16.57% | +19.94%+19.27% | +17.57%+16.45% | +19.39%+18.72% |
| Max drawdown | FNCL XLF | -11.21%-11.97% | -13.58%-12.83% | -17.30%-15.51% | -25.71%-25.84% |
| Max drawdown duration | FNCL XLF | 63d64d | 45d45d | 129d116d | 770d770d |
FNCL | XLF | |
Last sale 3/12/2026 at 5:40 PM | $69.64 | $48.92 |
| Previous close 03/11/2026 | $70.54 | $49.64 |
| Consolidated volume 03/11/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Create an account to view replication metrics
FNCL | XLF | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
FNCL | XLF | |
|---|---|---|
| Last price | $69.64 | $48.92 |
| 1D performance | -1.28% | -1.46% |
| AuM | $2.23 B | $46.71 B |
| E/R | 0.08% | 0.08% |
Countries
Sectors
Diversification
Total weight of top 15 holdings out of 15
Total weight of top 15 holdings out of 15
Top 15 holdings
How have the FNCL and XLF ETFs performed in 2026?
As of March 10, 2026, FNCL is down -8.42% year-to-date (YTD), while XLF has lost -9.32%. 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 +$9M in flows, compared to -$1.37B for XLF.
Which ETF is more volatile: FNCL or XLF?
Over the past year, FNCL had a volatility of 19.94%, while XLF experienced 19.27%.
Which ETF is bigger: FNCL or XLF?
As of March 10, 2026, FNCL holds $2.23 B in assets under management (AUM), while XLF manages $46.71 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 386 securities with 55.6% of its assets in the top 15. XLF has 76 securities and a top 15 weight of 65.26%.
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