FNCL vs XLF: holdings overlap, shared companies and scores
As of September 11, 2026, FNCL and XLF overlap 86.5% by weight. Fidelity MSCI Financials Index ETF (FNCL): U.S. financials stocks. State Street Financial Select Sector SPDR ETF (XLF): U.S. financial sector.
Updated September 11, 2026
How much do FNCL and XLF overlap?
As of September 11, 2026, FNCL and XLF overlap 86.5% by weight.
87% of FNCL is already inside XLF.
100% of XLF is already inside FNCL.
FNCL holds 377 companies and XLF holds 76; 76 are in both.
Computed by ETF Copilot from both funds' holdings rather than quoted from a data provider, and rebuilt nightly.
How does ETF Copilot score FNCL and XLF?
As of September 11, 2026, ETF Copilot scores FNCL 4.6 out of 10 and XLF 4.1 out of 10.
They differ most on Risk: FNCL 4.4 and XLF 1.8.
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 | XLF |
|---|---|---|
| Growth | 0.8 | 0.3 |
| Valuation | 4.5 | 4.3 |
| Risk | 4.4 | 1.8 |
| Quality | 7.8 | 8.4 |
| Return | 6.3 | 6.2 |
FNCL and XLF all charge 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, XLF charges 0.08% a year, yields 1.46% and holds $54.7B in assets across 76 positions.
| Measure | FNCL | XLF |
|---|---|---|
| Expense ratio | 0.08% | 0.08% |
| Dividend yield | 1.64% | 1.46% |
| Assets under management | $2.4B | $54.7B |
| Holdings | 377 | 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 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.
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 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.
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 and XLF each hold?
What's inside FNCL: Tech 2%.
49% of FNCL 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 XLF holdings overlap and scores”, as of September 11, 2026.
https://etf-copilot.com/compare/fncl-vs-xlf
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