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 down -0.96% year-to-date (YTD) with -$321M in YTD flows. XLF performs worse with -1.18% YTD performance, and -$1.82B 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 10/02/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | VFH XLF | -7.05%-6.92% | -3.89%-3.58% | -0.96%-1.18% | +2.19%+1.81% | +73.13%+70.21% | +49.70%+53.86% |
| Flows | VFH XLF | +$249M-$599M | +$107M-$1.63B | -$321M-$1.82B | -$294M-$3.63B | -$211M+$1.16B | -$1.14B-$3.44B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | VFH XLF | +12.67%+12.49% | +15.04%+14.70% | +16.78%+16.11% | +19.11%+18.35% |
| Max drawdown | VFH XLF | -8.79%-8.51% | -14.72%-14.79% | -17.30%-15.51% | -25.72%-25.84% |
| Max drawdown duration | VFH XLF | 29d29d | 177d177d | 129d116d | 770d770d |
Trading data
VFH | XLF | |
Last sale 10/2/2026 at 1:30 PM | $130.52 | $53.49 |
| Previous close 10/01/2026 | $130.38 | $53.46 |
| Consolidated volume 10/01/2026 | ||
| 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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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 10/2/2026 at 1:30 PM
Live
Closed
VFH | XLF | |
|---|---|---|
| Last price | $130.52 | $53.49 |
| 1D performance | +0.11% | +0.06% |
| AuM | $12.76 B | $50.00 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 | 424 | 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
90.79%
Other
9.21%
XLF
USA
96.37%
Other
3.63%
Sectors
VFH
Finance
90.19%
Other
9.81%
XLF
Finance
95.38%
Other
4.62%
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Diversification
VFH
Total weight of top 15 holdings out of 15
52.08%
XLF
Total weight of top 15 holdings out of 15
65.62%
Top 15 holdings
Data as of August 31, 2026
VFH
JPMorgan Chase & Co.
10.13%
Berkshire Hathaway, Inc.
7.61%
Mastercard, Inc.
5.12%
Bank of America Corp.
4.31%
Visa, Inc.
4.22%
The Goldman Sachs Group, Inc.
3.03%
Wells Fargo & Co.
2.80%
Morgan Stanley
2.69%
Citigroup, Inc.
2.40%
The Charles Schwab Corp.
1.94%
American Express Co.
1.87%
BlackRock, Inc.
1.82%
S&P Global, Inc.
1.41%
The Progressive Corp.
1.36%
Capital One Financial Corp.
1.34%
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 VFH and XLF
How have the VFH and XLF ETFs performed in 2026?
As of October 2, 2026, VFH is down -0.96% year-to-date (YTD), while XLF has lost -1.18%. 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 -$321M in flows, compared to -$1.82B for XLF.
Which ETF is more volatile: VFH or XLF?
Over the past year, VFH had a volatility of 15.04%, while XLF experienced 14.7%.
Which ETF is bigger: VFH or XLF?
As of October 2, 2026, VFH holds $12.76 B in assets under management (AUM), while XLF manages $50.00 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: JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc..
Which ETF is more diversified: VFH or XLF?
VFH holds 424 securities with 52.08% 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 VFH & XLF
The Weekly ETF Market Monitor (August 24-28, 2026)
August 31, 2026
XLF
The Weekly ETF Market Monitor (August 17-21, 2026)
August 24, 2026
XLF
Investing in Sector ETFs: Financials and Real Estate
September 11, 2024
XLF
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May 2024 U.S. Sector ETFs Inflows and Outflows Breakdown
May 22, 2024
XLF
May 2024 U.S. Sector ETFs Inflows and Outflows Breakdown
May 22, 2024
XLF
Spotlight on Market Valuations: Sector Comparisons and ETF Opportunities
March 14, 2024
VFH
XLF
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