VFHvsXLFETF Comparison
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Vanguard Financials ETF (VFH) 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. VFH is more expensive with a Total Expense Ratio (TER) of 0.09%, versus 0.08% for XLF. VFH is up 6.4% year-to-date (YTD) with -$340M in YTD flows. XLF performs worse with 5.86% YTD performance, and +$685M in YTD flows. Run a side-by-side ETF comparison of VFH 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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VFH vs XLF performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 08/19/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | VFH XLF | +2.40%+2.57% | +12.97%+12.86% | +6.40%+5.86% | +11.45%+10.96% | +81.25%+77.63% | +69.32%+67.29% |
| Flows | VFH XLF | +$12M-$1.22B | +$58M+$307M | -$340M+$685M | -$66M-$298M | -$346M+$1.54B | -$1.08B-$1.99B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | VFH XLF | +13.12%+13.01% | +14.83%+14.47% | +16.73%+16.05% | +19.25%+18.43% |
| Max drawdown | VFH XLF | -2.22%-2.11% | -14.72%-14.79% | -17.30%-15.51% | -25.72%-25.84% |
| Max drawdown duration | VFH XLF | 9d9d | 177d177d | 129d116d | 770d770d |
Trading data
VFH | XLF | |
Last sale 8/20/2026 at 1:30 PM | $139.30 | $56.95 |
| Previous close 08/19/2026 | $140.65 | $57.48 |
| Consolidated volume 08/19/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of July 31, 2026
1-year trailing difference
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VFH | 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 8/20/2026 at 1:30 PM
Live
Closed
VFH | XLF | |
|---|---|---|
| Last price | $139.30 | $56.95 |
| 1D performance | -0.96% | -0.92% |
| AuM | $13.71 B | $56.31 B |
| E/R | 0.09% | 0.08% |
Characteristics
VFH | XLF | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | Vanguard | State Street Investment Management |
| Benchmark | MSCI US IMI Financials 25/50 Index | S&P Financials Select Sector Index |
| N° of holdings | 428 | 76 |
| Asset class | Equities | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | January 26, 2004 | December 16, 1998 |
| ESG | No | No |
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Exposure
Countries
VFH
USA
89.2%
Other
10.8%
XLF
USA
96.95%
Other
3.05%
Sectors
VFH
Finance
88.93%
Other
11.07%
XLF
Finance
96.22%
Other
3.78%
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Diversification
VFH
Total weight of top 15 holdings out of 15
51.12%
XLF
Total weight of top 15 holdings out of 15
66.77%
Top 15 holdings
Data as of June 30, 2026
VFH
JPMorgan Chase & Co.
9.18%
Berkshire Hathaway, Inc.
7.84%
Mastercard, Inc.
4.74%
Bank of America Corp.
4.36%
Visa, Inc.
4.10%
The Goldman Sachs Group, Inc.
3.19%
Wells Fargo & Co.
2.85%
Morgan Stanley
2.79%
Citigroup, Inc.
2.54%
American Express Co.
2.03%
The Charles Schwab Corp.
1.72%
BlackRock, Inc.
1.60%
Progressive Corp.
1.44%
S&P Global, Inc.
1.39%
Capital One Financial Corp.
1.35%
XLF
Berkshire Hathaway, Inc.
12.16%
JPMorgan Chase & Co.
11.63%
Visa, Inc.
7.55%
Mastercard, Inc.
5.49%
Bank of America Corp.
4.93%
The Goldman Sachs Group, Inc.
3.95%
Wells Fargo & Co.
3.35%
Morgan Stanley
3.32%
Citigroup, Inc.
3.16%
American Express Co.
2.39%
The Charles Schwab Corp.
2.00%
BlackRock, Inc.
1.84%
Progressive Corp.
1.69%
Capital One Financial Corp.
1.66%
S&P Global, Inc.
1.64%
Frequently asked questions about VFH and XLF
How have the VFH and XLF ETFs performed in 2026?
As of August 19, 2026, VFH is up 6.4% year-to-date (YTD), while XLF has returned 5.86%. That puts VFH better performer ahead so far this year.
Which ETF is attracting more investor money: VFH or XLF?
Year-to-date, the VFH ETF saw -$340M in flows, compared to +$685M for XLF.
Which ETF is more volatile: VFH or XLF?
Over the past year, VFH had a volatility of 14.83%, while XLF experienced 14.47%.
Which ETF is bigger: VFH or XLF?
As of August 19, 2026, VFH holds $13.71 B in assets under management (AUM), while XLF manages $56.31 B.
What sectors do the VFH and XLF ETFs invest in?
VFH leans toward sectors like Finance. Meanwhile, XLF focuses on Finance.
What are the top holdings of the VFH ETF and XLF ETF?
VFH top holdings include JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Mastercard, Inc.. XLF holds in its top three: Berkshire Hathaway, Inc., JPMorgan Chase & Co. and Visa, Inc..
Which ETF is more diversified: VFH or XLF?
VFH holds 428 securities with 51.12% of its assets in the top 15. XLF has 76 securities and a top 15 weight of 66.77%.
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