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VFHvsXLFETF Comparison

ETF 1

VFH

Vanguard Financials ETF

This fund is part of

US Financials

+0.01%

Full VFH fund page

VS

ETF 2

XLF

State Street Financial Select Sector SPDR ETF

This fund is part of

US Financials

+0.01%

Full XLF fund page

Vanguard Financials ETF (VFH) and State Street Financial Select Sector SPDR ETF (XLF) belong to the same industry segment: US Financials. VFH's top 3 sector exposures are Financials, Information Technology and Real Estate. In contrast, XLF's top sector exposures are Financials, Information Technology VFH is more expensive with a Total Expense Ratio (TER) of 0.09%, versus 0.08% for XLF. VFH is down -8.15% year-to-date (YTD) with +$176M in YTD flows. XLF performs worse with -8.43% YTD performance, and +$636M 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

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Daily, global ETF data for advanced analysis or integration into apps (API), from our partner Trackinsight.

Data Services

Historic performance and flows

Data as of 04/07/2026

		1M	3M	YTD	1Y	3Y	5Y
Perf.	VFH XLF	-0.19%-0.36%	-9.71%-9.81%	-8.15%-8.43%	+17.56%+14.81%	+67.00%+63.25%	+56.65%+56.17%
Flows	VFH XLF	+$73M+$1.46B	+$159M-$324M	+$176M+$636M	+$285M-$2.83B	+$738M+$3.39B	-$247M-$2.39B

Volatility and drawdown

		3M	1Y	3Y	5Y
Volatility	VFH XLF	+17.77%+17.42%	+17.78%+17.12%	+16.99%+16.16%	+19.64%+18.72%
Max drawdown	VFH XLF	-14.09%-14.04%	-14.72%-14.79%	-17.30%-15.51%	-25.72%-25.84%
Max drawdown duration	VFH XLF	89d89d	91d91d	129d116d	770d770d

Trading data

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	VFH	XLF
Last sale 4/7/2026 at 1:30 PM	$122.19	$49.88
Previous close 04/07/2026	$122.19	$49.88
Consolidated volume 04/07/2026
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	XLF
Tracking error
Tracking difference
1 year cumulative return difference
Best
Worst
Daily return difference
Average
Worst

Main metrics

Last update 4/7/2026 at 1:30 PM

Live

Closed

	VFH	XLF
Last price	$122.19	$49.88
1D performance	+0.00%	+0.00%
AuM	$12.42 B	$48.94 B
E/R	0.09%	0.08%

Characteristics

	VFH	XLF
Management strategy	Passive	Passive
Provider	Vanguard	SPDR
Benchmark	MSCI US IMI Financials 25/50 Index	S&P Financials Select Sector Index
N° of holdings	379	75
Asset class	Equities	Equities
Trailing 12m distribution yield	Join	Join
Inception date	January 26, 2004	December 16, 1998
ESG	No	No

More VFH data on Trackinsight

More XLF data on Trackinsight

Exposure

Countries

VFH

USA

89.1%

Other

10.9%

XLF

USA

95.8%

Other

4.2%

Sectors

VFH

Financials

78.27%

Information Techn.

11.71%

Other

10.01%

XLF

Financials

81.96%

Information Techn.

15.36%

Other

2.68%

Diversification

VFH

Total weight of top 15 holdings out of 15

50.64%

XLF

Total weight of top 15 holdings out of 15

65.36%

Top 15 holdings

Data as of February 28, 2026

VFH

JPMORGAN CHASE

8.96%

BERKSHIRE HATHWAY

8.12%

MASTERCARD

5.12%

VISA INCORPORATION

4.06%

BK OF AMERICA CO

3.80%

WELLS FARGO

2.99%

THE GOLDMAN SACHS GROUP

2.87%

MORGAN STANLEY

2.31%

CITIGROUP

2.17%

AMERICAN EXPRESS

1.99%

CHARLES SCHWAB

1.88%

US09290D1019

1.83%

S&P GLOBAL INC

1.60%

CHUBB LTD

1.49%

PROGRESSIVE

1.46%

XLF

BERKSHIRE HATHWAY

12.56%

JPMORGAN CHASE

11.09%

VISA INCORPORATION

7.33%

MASTERCARD

5.75%

BK OF AMERICA CO

4.54%

THE GOLDMAN SACHS GROUP

3.48%

WELLS FARGO

3.47%

MORGAN STANLEY

2.73%

CITIGROUP

2.67%

AMERICAN EXPRESS

2.25%

CHARLES SCHWAB

2.16%

US09290D1019

2.08%

S&P GLOBAL INC

1.86%

PROGRESSIVE

1.70%

CHUBB LTD

1.69%

Frequently asked questions about VFH and XLF

How have the VFH and XLF ETFs performed in 2026?

As of April 7, 2026, VFH is down -8.15% year-to-date (YTD), while XLF has lost -8.43%. 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 +$176M in flows, compared to +$636M for XLF.

Which ETF is more volatile: VFH or XLF?

Over the past year, VFH had a volatility of 17.78%, while XLF experienced 17.12%.

Which ETF is bigger: VFH or XLF?

As of April 7, 2026, VFH holds $12.42 B in assets under management (AUM), while XLF manages $48.94 B.

What sectors do the VFH and XLF ETFs invest in?

VFH leans toward sectors like Financials and Information Technology. Meanwhile, XLF focuses on Financials and Information Technology.

What are the top holdings of the VFH ETF and XLF ETF?

VFH top holdings include JPMORGAN CHASE, BERKSHIRE HATHWAY and MASTERCARD. XLF holds in its top three: BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION.

Which ETF is more diversified: VFH or XLF?

VFH holds 415 securities with 50.64% of its assets in the top 15. XLF has 76 securities and a top 15 weight of 65.36%.

XLF

VFHvsXLFETF Comparison

Vanguard Financials ETF

State Street Financial Select Sector SPDR ETF

VFH vs XLF performance and flow charts

Performance

Cumulative Flows

Get all the metrics on this page, and more, through a reliable ETF data feed

Countries

Sectors

Diversification

Top 15 holdings

How have the VFH and XLF ETFs performed in 2026?

As of April 7, 2026, VFH is down -8.15% year-to-date (YTD), while XLF has lost -8.43%. 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 +$176M in flows, compared to +$636M for XLF.

Which ETF is more volatile: VFH or XLF?

Over the past year, VFH had a volatility of 17.78%, while XLF experienced 17.12%.

Which ETF is bigger: VFH or XLF?

As of April 7, 2026, VFH holds $12.42 B in assets under management (AUM), while XLF manages $48.94 B.

What sectors do the VFH and XLF ETFs invest in?

VFH leans toward sectors like Financials and Information Technology. Meanwhile, XLF focuses on Financials and Information Technology.

What are the top holdings of the VFH ETF and XLF ETF?

VFH top holdings include JPMORGAN CHASE, BERKSHIRE HATHWAY and MASTERCARD. XLF holds in its top three: BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION.

Which ETF is more diversified: VFH or XLF?

VFH holds 415 securities with 50.64% of its assets in the top 15. XLF has 76 securities and a top 15 weight of 65.36%.

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