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 3.05% year-to-date (YTD) with -$421M in YTD flows. XLF performs worse with 2.49% YTD performance, and -$367M 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 07/02/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | VFH XLF | +8.57%+8.51% | +13.02%+12.71% | +3.05%+2.49% | +8.07%+7.40% | +76.16%+71.96% | +65.83%+64.24% |
| Flows | VFH XLF | -$36M+$181M | -$596M-$781M | -$421M-$367M | -$147M+$412M | +$200M+$857M | -$1.45B-$3.09B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | VFH XLF | +13.84%+13.70% | +14.99%+14.61% | +16.74%+16.05% | +19.49%+18.62% |
| Max drawdown | VFH XLF | -3.87%-3.39% | -14.72%-14.79% | -17.30%-15.51% | -25.72%-25.84% |
| Max drawdown duration | VFH XLF | 52d51d | 177d177d | 129d116d | 770d770d |
Trading data
VFH | XLF | |
Last sale 7/6/2026 at 1:30 PM | $137.48 | $56.14 |
| Previous close 07/02/2026 | $136.18 | $55.62 |
| Consolidated volume 07/02/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of June 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 7/6/2026 at 1:30 PM
Live
Closed
VFH | XLF | |
|---|---|---|
| Last price | $137.48 | $56.14 |
| 1D performance | +0.95% | +0.93% |
| AuM | $13.20 B | $53.45 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 | 429 | 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
89.52%
Other
10.48%
XLF
USA
96.41%
Other
3.59%
Sectors
VFH
Finance
88.92%
Other
11.08%
XLF
Finance
95.29%
Other
4.71%
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Diversification
VFH
Total weight of top 15 holdings out of 15
50.7%
XLF
Total weight of top 15 holdings out of 15
65.52%
Top 15 holdings
Data as of May 31, 2026
VFH
JPMorgan Chase & Co.
8.83%
Berkshire Hathaway, Inc.
7.77%
Mastercard, Inc.
4.76%
Bank of America Corp.
4.13%
Visa, Inc.
4.10%
The Goldman Sachs Group, Inc.
3.38%
Morgan Stanley
2.90%
Wells Fargo & Co.
2.80%
Citigroup, Inc.
2.39%
American Express Co.
1.98%
BlackRock, Inc.
1.82%
The Charles Schwab Corp.
1.70%
S&P Global, Inc.
1.51%
Capital One Financial Corp.
1.32%
Progressive Corp.
1.31%
XLF
Berkshire Hathaway, Inc.
11.84%
JPMorgan Chase & Co.
10.98%
Visa, Inc.
7.47%
Mastercard, Inc.
5.48%
Bank of America Corp.
4.66%
The Goldman Sachs Group, Inc.
4.17%
Morgan Stanley
3.41%
Wells Fargo & Co.
3.26%
Citigroup, Inc.
2.99%
American Express Co.
2.31%
BlackRock, Inc.
2.06%
The Charles Schwab Corp.
1.99%
S&P Global, Inc.
1.77%
Capital One Financial Corp.
1.60%
Chubb Ltd.
1.54%
Frequently asked questions about VFH and XLF
How have the VFH and XLF ETFs performed in 2026?
As of July 2, 2026, VFH is up 3.05% year-to-date (YTD), while XLF has returned 2.49%. 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 -$421M in flows, compared to -$367M for XLF.
Which ETF is more volatile: VFH or XLF?
Over the past year, VFH had a volatility of 14.99%, while XLF experienced 14.61%.
Which ETF is bigger: VFH or XLF?
As of July 2, 2026, VFH holds $13.20 B in assets under management (AUM), while XLF manages $53.45 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 429 securities with 50.7% of its assets in the top 15. XLF has 76 securities and a top 15 weight of 65.52%.
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