FNCL vs IYF vs VFH vs XLF: holdings overlap, shared companies and scores
As of September 11, 2026, FNCL and VFH overlap most of FNCL, IYF, VFH and XLF, at 96.2% by weight, and FNCL and IYF least, at 75.6%. 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 September 11, 2026
How much do FNCL, IYF, VFH and XLF overlap?
As of September 11, 2026, of the six published pairs among FNCL, IYF, VFH and XLF, FNCL and VFH overlap most at 96.2% by weight, and FNCL and IYF least at 75.6%.
FNCL holds 377, IYF holds 144, VFH holds 426 and XLF holds 76 companies.
- FNCL and VFH: 96.2% by weight, 368 companies in both.
- FNCL and XLF: 86.5% by weight, 76 companies in both.
- VFH and XLF: 85.8% by weight, 76 companies in both.
- IYF and XLF: 78.6% by weight, 63 companies in both.
- IYF and VFH: 77.0% by weight, 131 companies in both.
- FNCL and IYF: 75.6% 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?
As of September 11, 2026, ETF Copilot scores FNCL 4.6 out of 10, IYF 4.2 out of 10, VFH 4.2 out of 10 and XLF 4.1 out of 10.
They differ most on Quality: FNCL 7.8, IYF 4.7, VFH 7.5 and XLF 8.4.
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 | 0.8 | 0.4 | 0.7 | 0.3 |
| Valuation | 4.5 | 7.6 | 5.0 | 4.3 |
| Risk | 4.4 | 1.9 | 2.0 | 1.8 |
| Quality | 7.8 | 4.7 | 7.5 | 8.4 |
| Return | 6.3 | 6.9 | 6.3 | 6.2 |
FNCL and XLF are the cheapest here at 0.08% a year
As of September 11, 2026, FNCL charges 0.08% a year, yields 1.64% and holds $2.4B in assets across 377 positions.
As of September 11, 2026, IYF charges 0.37% a year, yields 1.77% and holds $4.4B in assets across 144 positions.
As of September 11, 2026, VFH charges 0.09% a year, yields 1.68% and holds $14.9B in assets across 426 positions.
As of September 11, 2026, XLF charges 0.08% a year, yields 1.46% and holds $54.7B in assets across 76 positions.
| Measure | FNCL | IYF | VFH | XLF |
|---|---|---|---|---|
| Expense ratio | 0.08% | 0.37% | 0.09% | 0.08% |
| Dividend yield | 1.64% | 1.77% | 1.68% | 1.46% |
| Assets under management | $2.4B | $4.4B | $14.9B | $54.7B |
| Holdings | 377 | 144 | 426 | 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.
Where FNCL, IYF, VFH and XLF trade against their own history
FNCL trades at 15.7 times earnings, against its own median of 14.1, and is more expensive than 65% of its own 114 monthly readings since 2017.
IYF trades at 14.8 times earnings, against its own median of 15.6, and is cheaper than 61% of its own 114 monthly readings since 2017.
VFH trades at 15.3 times earnings, against its own median of 13.9, and is more expensive than 63% of its own 114 monthly readings since 2017.
XLF trades at 16.1 times earnings, against its own median of 14.3, and is more expensive than 67% of its own 114 monthly readings since 2017.
What moved FNCL, IYF, VFH and XLF this week
FNCL fell 2.4% in the week to September 11, 2026. The holdings that moved it most were JPMorgan Chase (−1.6%), Visa (−2.2%) and Mastercard (−2.8%); Berkshire Hathaway (+0.5%) pushed the other way.
IYF fell 2.4% in the week to September 11, 2026. The holdings that moved it most were JPMorgan Chase (−1.6%), S&P Global (−8.8%) and Robinhood Markets (−9.7%); Berkshire Hathaway (+0.5%) pushed the other way.
VFH fell 2.4% in the week to September 11, 2026. The holdings that moved it most were JPMorgan Chase (−1.6%), Mastercard (−2.8%) and S&P Global (−8.8%); Berkshire Hathaway (+0.5%) pushed the other way.
XLF fell 2.2% in the week to September 11, 2026. The holdings that moved it most were JPMorgan Chase (−1.6%), Visa (−2.2%) and Mastercard (−2.8%); Berkshire Hathaway (+0.5%) pushed the other way.
What do FNCL, IYF, VFH and XLF each hold?
What's inside FNCL: Tech 2%.
49% of FNCL is its ten largest holdings.
What's inside IYF: Tech 0%.
49% of IYF is its ten largest holdings.
What's inside VFH: Tech 2%.
47% of VFH is its ten largest holdings.
What's inside XLF: Tech 2%.
57% of XLF is its ten largest holdings.
Compare with similar funds
Cite this
ETF Copilot, “FNCL vs IYF vs VFH vs XLF holdings overlap and scores”, as of September 11, 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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