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XLFvsVFHETF Comparison

ETF 1

XLF

State Street Financial Select Sector SPDR ETF

This fund is part of

US Financials

+0.71%

Full XLF fund page

VS

ETF 2

VFH

Vanguard Financials ETF

This fund is part of

US Financials

+0.71%

Full VFH fund page

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: Financials and Information Technology. XLF is less expensive with a Total Expense Ratio (TER) of 0.08%, versus 0.09% for VFH. XLF is down -8.45% year-to-date (YTD) with +$796M in YTD flows. VFH performs better with -8.15% YTD performance, and +$176M 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

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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 04/06/2026

		1M	3M	YTD	1Y	3Y	5Y
Perf.	XLF VFH	-0.90%-0.71%	-11.12%-10.95%	-8.45%-8.15%	+14.79%+17.56%	+63.66%+67.71%	+56.78%+56.65%
Flows	XLF VFH	+$1.42B+$70M	+$575M+$166M	+$796M+$176M	-$2.67B+$285M	+$3.37B+$738M	-$2.52B-$247M

Volatility and drawdown

		3M	1Y	3Y	5Y
Volatility	XLF VFH	+17.60%+17.93%	+17.16%+17.81%	+16.16%+16.99%	+18.72%+19.65%
Max drawdown	XLF VFH	-14.79%-14.72%	-14.79%-14.72%	-15.51%-17.30%	-25.84%-25.72%
Max drawdown duration	XLF VFH	90d90d	90d90d	116d129d	770d770d

Trading data

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	XLF	VFH
Last sale 4/7/2026 at 1:30 PM	$49.88	$122.19
Previous close 04/06/2026	$49.88	$122.19
Consolidated volume 04/06/2026
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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	XLF	VFH
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

	XLF	VFH
Last price	$49.88	$122.19
1D performance	+0.00%	+0.00%
AuM	$49.09 B	$12.42 B
E/R	0.08%	0.09%

Characteristics

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

More XLF data on Trackinsight

More VFH data on Trackinsight

Exposure

Countries

XLF

USA

95.8%

Other

4.2%

VFH

USA

89.1%

Other

10.9%

Sectors

XLF

Financials

81.96%

Information Techn.

15.36%

Other

2.68%

VFH

Financials

78.27%

Information Techn.

11.71%

Other

10.01%

Diversification

XLF

Total weight of top 15 holdings out of 15

65.36%

VFH

Total weight of top 15 holdings out of 15

50.64%

Top 15 holdings

Data as of February 28, 2026

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%

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%

Frequently asked questions about XLF and VFH

How have the XLF and VFH ETFs performed in 2026?

As of April 6, 2026, XLF is down -8.45% year-to-date (YTD), while VFH has lost -8.15%. 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 +$796M in flows, compared to +$176M for VFH.

Which ETF is more volatile: XLF or VFH?

Over the past year, XLF had a volatility of 17.16%, while VFH experienced 17.81%.

Which ETF is bigger: XLF or VFH?

As of April 6, 2026, XLF holds $49.09 B in assets under management (AUM), while VFH manages $12.42 B.

What sectors do the XLF and VFH ETFs invest in?

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

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

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

Which ETF is more diversified: XLF or VFH?

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

VFH

XLFvsVFHETF Comparison

State Street Financial Select Sector SPDR ETF

Vanguard Financials ETF

XLF vs VFH 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 XLF and VFH ETFs performed in 2026?

As of April 6, 2026, XLF is down -8.45% year-to-date (YTD), while VFH has lost -8.15%. 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 +$796M in flows, compared to +$176M for VFH.

Which ETF is more volatile: XLF or VFH?

Over the past year, XLF had a volatility of 17.16%, while VFH experienced 17.81%.

Which ETF is bigger: XLF or VFH?

As of April 6, 2026, XLF holds $49.09 B in assets under management (AUM), while VFH manages $12.42 B.

What sectors do the XLF and VFH ETFs invest in?

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

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

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

Which ETF is more diversified: XLF or VFH?

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

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