VFHvsFNCLETF Comparison
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Vanguard Financials ETF (VFH) and Fidelity MSCI Financials Index ETF (FNCL) belong to the same industry segment: US Financials. Both ETFs have the same top 3 sector exposures: Financials, Information Technology and Real Estate. VFH is more expensive with a Total Expense Ratio (TER) of 0.09%, versus 0.08% for FNCL. VFH is down -4.78% year-to-date (YTD) with -$277M in YTD flows. FNCL performs better with -4.17% YTD performance, and -$108M in YTD flows. Run a side-by-side ETF comparison of VFH and FNCL 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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VFH vs FNCL performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 04/24/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | VFH FNCL | +5.16%+5.90% | -3.01%-1.79% | -4.78%-4.17% | +11.14%+13.28% | +68.00%+69.09% | +58.77%+60.22% |
| Flows | VFH FNCL | -$397M-$110M | -$530M-$135M | -$277M-$108M | +$75M-$91M | +$276M+$48M | -$750M-$14M |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | VFH FNCL | +17.99%+17.96% | +15.19%+15.21% | +17.05%+17.12% | +19.64%+19.40% |
| Max drawdown | VFH FNCL | -11.80%-11.77% | -14.72%-14.71% | -17.30%-17.30% | -25.72%-25.71% |
| Max drawdown duration | VFH FNCL | 75d74d | 108d107d | 129d129d | 770d770d |
Trading data
VFH | FNCL | |
Last sale 4/24/2026 at 1:30 PM | $126.63 | $73.58 |
| Previous close 04/23/2026 | $127.44 | $74.01 |
| 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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VFH | FNCL | |
|---|---|---|
| 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
VFH | FNCL | |
|---|---|---|
| Last price | $126.63 | $73.58 |
| 1D performance | -0.64% | -0.58% |
| AuM | $12.43 B | $2.20 B |
| E/R | 0.09% | 0.08% |
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Exposure
Countries
VFH
USA
88.77%
Other
11.23%
FNCL
USA
95.48%
Other
4.52%
Sectors
VFH
Financials
78.3%
Information Techn.
11.42%
Other
10.28%
FNCL
Financials
82.05%
Information Techn.
14.45%
Other
3.49%
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Diversification
VFH
Total weight of top 15 holdings out of 15
50.78%
FNCL
Total weight of top 15 holdings out of 15
56.08%
Top 15 holdings
Data as of March 31, 2026
VFH
JPMORGAN CHASE
9.06%
BERKSHIRE HATHWAY
7.99%
MASTERCARD
5.13%
VISA INCORPORATION
3.98%
BK OF AMERICA CO
3.85%
WELLS FARGO
3.03%
THE GOLDMAN SACHS GROUP
2.92%
MORGAN STANLEY
2.37%
CITIGROUP
2.31%
AMERICAN EXPRESS
2.02%
CHARLES SCHWAB
1.92%
US09290D1019
1.72%
S&P GLOBAL INC
1.60%
CHUBB LTD
1.48%
PROGRESSIVE
1.41%
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%
Frequently asked questions about VFH and FNCL
How have the VFH and FNCL ETFs performed in 2026?
As of April 24, 2026, VFH is down -4.78% year-to-date (YTD), while FNCL has lost -4.17%. That puts FNCL better performer ahead so far this year.
Which ETF is attracting more investor money: VFH or FNCL?
Year-to-date, the VFH ETF saw -$277M in flows, compared to -$108M for FNCL.
Which ETF is more volatile: VFH or FNCL?
Over the past year, VFH had a volatility of 15.19%, while FNCL experienced 15.21%.
Which ETF is bigger: VFH or FNCL?
As of April 24, 2026, VFH holds $12.43 B in assets under management (AUM), while FNCL manages $2.20 B.
What sectors do the VFH and FNCL ETFs invest in?
VFH leans toward sectors like Financials and Information Technology. Meanwhile, FNCL focuses on Financials and Information Technology.
What are the top holdings of the VFH ETF and FNCL ETF?
VFH top holdings include JPMORGAN CHASE, BERKSHIRE HATHWAY and MASTERCARD. FNCL holds in its top three: JPMORGAN CHASE, BERKSHIRE HATHWAY and VISA INCORPORATION.
Which ETF is more diversified: VFH or FNCL?
VFH holds 415 securities with 50.78% of its assets in the top 15. FNCL has 383 securities and a top 15 weight of 56.08%.
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Latest news about VFH & FNCL
Tony's ETF Buyer's Guide: Sector ETFs (Vanguard versus State Street SPDR)
December 1, 2023
VFH
Financial Sector Rebounds Into Positive Year-to-date Performance
November 21, 2023
VFH
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