FNCL vs IYF vs VFH vs XLF: holdings overlap, shared companies and scores
As of October 28, 2026, FNCL and VFH overlap most of FNCL, IYF, VFH and XLF, at 96.5% by weight, and FNCL and IYF least, at 73.7%. Fidelity MSCI Financials Index ETF (FNCL): U.S. financials stocks. iShares U.S. Financials ETF (IYF): U.S. financial sector stocks. Vanguard Financials ETF (VFH): U.S. financials companies. State Street Financial Select Sector SPDR ETF (XLF): U.S. financial sector.
Updated October 28, 2026
Where FNCL, IYF, VFH and XLF trade against their own history
FNCL trades at 15.6 times earnings, against its own median of 14.7, and is more expensive than 59% of its own last 9 years.
IYF trades at 14.6 times earnings, against its own median of 15.9, and is cheaper than 69% of its own last 9 years.
VFH trades at 15.5 times earnings, against its own median of 14.6, and is more expensive than 60% of its own last 9 years.
XLF trades at 16.2 times earnings, against its own median of 14.9, and is more expensive than 65% of its own last 9 years.
What do FNCL, IYF, VFH and XLF each hold?
What's inside FNCL: Tech 2%.
48% of FNCL is its ten largest holdings.
What's inside IYF: Tech 1%.
48% of IYF is its ten largest holdings.
What's inside VFH: Tech 2%.
49% of VFH is its ten largest holdings.
What's inside XLF: Tech 2%.
57% of XLF is its ten largest holdings.
How much do FNCL, IYF, VFH and XLF overlap? From 73.7% to 96.5% by weight
As of October 28, 2026, of the six published pairs among FNCL, IYF, VFH and XLF, FNCL and VFH overlap most at 96.5% by weight, and FNCL and IYF least at 73.7%.
FNCL holds 376, IYF holds 146, VFH holds 423 and XLF holds 76 companies.
- FNCL and VFH: 96.5% by weight, 367 companies in both.
- VFH and XLF: 86.3% by weight, 76 companies in both.
- FNCL and XLF: 85.7% by weight, 76 companies in both.
- IYF and XLF: 77.5% by weight, 63 companies in both.
- IYF and VFH: 74.9% by weight, 131 companies in both.
- FNCL and IYF: 73.7% by weight, 133 companies in both.
Computed by ETF Copilot from these funds' holdings rather than quoted from a data provider, and rebuilt nightly.
How does ETF Copilot score FNCL, IYF, VFH and XLF? 5.0, 5.3, 5.0 and 5.0 out of 10
As of October 28, 2026, ETF Copilot scores FNCL 5.0 out of 10, IYF 5.3 out of 10, VFH 5.0 out of 10 and XLF 5.0 out of 10.
They differ most on Value: FNCL 3.8, IYF 7.6, VFH 3.9 and XLF 3.3.
The five factor scores behind them are set out below, 0–10 and higher is better, ranked against every US equity ETF we track.
| Factor | FNCL | IYF | VFH | XLF |
|---|---|---|---|---|
| Growth | 4.1 | 3.7 | 4.2 | 3.8 |
| Value | 3.8 | 7.6 | 3.9 | 3.3 |
| Risk | 5.1 | 5.1 | 5.1 | 5.5 |
| Quality | 5.9 | 3.6 | 5.8 | 6.6 |
| Return | 6.0 | 6.5 | 6.0 | 6.1 |
FNCL and XLF are the cheapest here at 0.08% a year
As of October 28, 2026, FNCL charges 0.08% a year, yields 1.63% and holds $2.3B in assets across 376 positions.
As of October 28, 2026, IYF charges 0.37% a year, yields 1.50% and holds $3.7B in assets across 146 positions.
As of October 28, 2026, VFH charges 0.09% a year, yields 1.73% and holds $13.9B in assets across 423 positions.
As of October 28, 2026, XLF charges 0.08% a year, yields 1.48% and holds $51.6B in assets across 76 positions.
| Measure | FNCL | IYF | VFH | XLF |
|---|---|---|---|---|
| Expense ratio | 0.08% | 0.37% | 0.09% | 0.08% |
| Dividend yield | 1.63% | 1.50% | 1.73% | 1.48% |
| Assets under management | $2.3B | $3.7B | $13.9B | $51.6B |
| Holdings | 376 | 146 | 423 | 76 |
Expense ratio, dividend yield and assets under management are reported by the fund and refreshed daily. Every other figure on this page is computed by ETF Copilot.
Compare with similar funds
Cite this
ETF Copilot, “FNCL vs IYF vs VFH vs XLF holdings overlap and scores”, as of October 28, 2026.
https://etf-copilot.com/compare/fncl-vs-iyf-vs-vfh-vs-xlf
- Fidelity MSCI Financials Index ETF (FNCL)
- iShares U.S. Financials ETF (IYF)
- Vanguard Financials ETF (VFH)
- State Street Financial Select Sector SPDR ETF (XLF)
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