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XLFvsFNCLETF Comparison
State Street Financial Select Sector SPDR ETF (XLF) 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 and Information Technology. Both XLF and FNCL have the same Total Expense Ratio (TER) of 0.08%. XLF is down -9.32% year-to-date (YTD) with -$1.37B in YTD flows. FNCL performs better with -8.42% YTD performance, and +$9M in YTD flows. Run a side-by-side ETF comparison of XLF 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.
XLF vs FNCL performance and flow charts
Performance
Cumulative Flows
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | XLF FNCL | -5.86%-6.99% | -9.19%-6.96% | -9.32%-8.42% | +5.75%+7.63% | +64.81%+62.54% | +57.28%+57.93% |
| Flows | XLF FNCL | -$4.11B-$18M | -$1.61B+$13M | -$1.37B+$9M | -$4.40B+$20M | +$1.23B+$143M | -$3.60B+$218M |
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | XLF FNCL | +16.57%+17.20% | +19.27%+19.94% | +16.45%+17.57% | +18.72%+19.39% |
| Max drawdown | XLF FNCL | -11.97%-11.21% | -12.83%-13.58% | -15.51%-17.30% | -25.84%-25.71% |
| Max drawdown duration | XLF FNCL | 64d63d | 45d45d | 116d129d | 770d770d |
XLF | FNCL | |
Last sale 3/12/2026 at 1:30 PM | $48.83 | $69.39 |
| Previous close 03/11/2026 | $49.64 | $70.54 |
| Consolidated volume 03/11/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
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XLF | FNCL | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
XLF | FNCL | |
|---|---|---|
| Last price | $48.83 | $69.39 |
| 1D performance | -1.63% | -1.64% |
| AuM | $46.71 B | $2.23 B |
| E/R | 0.08% | 0.08% |
Countries
Sectors
Diversification
Total weight of top 15 holdings out of 15
Total weight of top 15 holdings out of 15
Top 15 holdings
How have the XLF and FNCL ETFs performed in 2026?
As of March 11, 2026, XLF is down -9.32% year-to-date (YTD), while FNCL has lost -8.42%. That puts FNCL better performer ahead so far this year.
Which ETF is attracting more investor money: XLF or FNCL?
Year-to-date, the XLF ETF saw -$1.37B in flows, compared to +$9M for FNCL.
Which ETF is more volatile: XLF or FNCL?
Over the past year, XLF had a volatility of 19.27%, while FNCL experienced 19.94%.
Which ETF is bigger: XLF or FNCL?
As of March 11, 2026, XLF holds $46.71 B in assets under management (AUM), while FNCL manages $2.23 B.
What sectors do the XLF and FNCL ETFs invest in?
XLF leans toward sectors like Financials and Information Technology. Meanwhile, FNCL focuses on Financials and Information Technology.
What are the top holdings of the XLF ETF and FNCL ETF?
XLF top holdings include BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION. FNCL holds in its top three: JPMORGAN CHASE, BERKSHIRE HATHWAY and VISA INCORPORATION.
Which ETF is more diversified: XLF or FNCL?
XLF holds 76 securities with 65.26% of its assets in the top 15. FNCL has 386 securities and a top 15 weight of 55.6%.
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