XLFvsVFHETF Comparison
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State Street Financial Select Sector SPDR ETF (XLF) and Vanguard Financials ETF (VFH) belong to the same industry segment: US Financials. Both ETFs have the same top 3 sector exposures: Finance, Technology and Business Services. XLF is less expensive with a Total Expense Ratio (TER) of 0.08%, versus 0.09% for VFH. XLF is down -1.19% year-to-date (YTD) with -$1.80B in YTD flows. VFH performs better with -1.05% YTD performance, and -$347M in YTD flows. Run a side-by-side ETF comparison of XLF and VFH 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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XLF vs VFH performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 10/01/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | XLF VFH | -6.21%-6.31% | -2.06%-2.65% | -1.19%-1.05% | +1.71%+2.04% | +70.19%+72.97% | +52.71%+53.09% |
| Flows | XLF VFH | -$549M+$223M | -$1.27B+$209M | -$1.80B-$347M | -$3.49B-$320M | +$1.17B-$237M | -$3.91B-$1.18B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | XLF VFH | +12.91%+12.99% | +14.70%+15.04% | +16.12%+16.79% | +18.35%+19.14% |
| Max drawdown | XLF VFH | -8.51%-8.79% | -14.79%-14.72% | -15.51%-17.30% | -25.84%-25.72% |
| Max drawdown duration | XLF VFH | 28d28d | 177d177d | 116d129d | 770d770d |
Trading data
XLF | VFH | |
Last sale 10/1/2026 at 1:30 PM | $53.46 | $130.38 |
| Previous close 10/01/2026 | $53.40 | $130.09 |
| 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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XLF | VFH | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 10/1/2026 at 1:30 PM
Live
Closed
XLF | VFH | |
|---|---|---|
| Last price | $53.46 | $130.38 |
| 1D performance | +0.11% | +0.22% |
| AuM | $50.02 B | $12.72 B |
| E/R | 0.08% | 0.09% |
Characteristics
XLF | VFH | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | State Street Investment Management | Vanguard |
| Benchmark | S&P Financials Select Sector Index | MSCI US IMI Financials 25/50 Index |
| N° of holdings | 76 | 424 |
| Asset class | Equities | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | December 16, 1998 | January 26, 2004 |
| ESG | No | No |
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Exposure
Countries
XLF
USA
96.37%
Other
3.63%
VFH
USA
90.79%
Other
9.21%
Sectors
XLF
Finance
95.38%
Other
4.62%
VFH
Finance
90.19%
Other
9.81%
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Diversification
XLF
Total weight of top 15 holdings out of 15
65.62%
VFH
Total weight of top 15 holdings out of 15
52.08%
Top 15 holdings
Data as of August 31, 2026
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%
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%
Frequently asked questions about XLF and VFH
How have the XLF and VFH ETFs performed in 2026?
As of October 1, 2026, XLF is down -1.19% year-to-date (YTD), while VFH has lost -1.05%. That puts VFH better performer ahead so far this year.
Which ETF is attracting more investor money: XLF or VFH?
Year-to-date, the XLF ETF saw -$1.80B in flows, compared to -$347M for VFH.
Which ETF is more volatile: XLF or VFH?
Over the past year, XLF had a volatility of 14.7%, while VFH experienced 15.04%.
Which ETF is bigger: XLF or VFH?
As of October 1, 2026, XLF holds $50.02 B in assets under management (AUM), while VFH manages $12.72 B.
What sectors do the XLF and VFH ETFs invest in?
XLF leans toward sectors like Finance. Meanwhile, VFH focuses on Finance.
What are the top holdings of the XLF ETF and VFH ETF?
XLF top holdings include JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc.. VFH holds in its top three: JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Mastercard, Inc..
Which ETF is more diversified: XLF or VFH?
XLF holds 76 securities with 65.62% of its assets in the top 15. VFH has 424 securities and a top 15 weight of 52.08%.
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Latest news about XLF & VFH
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