FNCL vs XLF: holdings overlap, shared companies and scores
As of October 28, 2026, FNCL and XLF overlap 85.7% 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 October 28, 2026
Where FNCL 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.
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 and XLF each hold?
What's inside FNCL: Tech 2%.
48% of FNCL is its ten largest holdings.
What's inside XLF: Tech 2%.
57% of XLF is its ten largest holdings.
How much do FNCL and XLF overlap? 85.7% by weight
As of October 28, 2026, FNCL and XLF overlap 85.7% by weight.
86% of FNCL is already inside XLF.
100% of XLF is already inside FNCL.
FNCL holds 376 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? 5.0 and 5.0 out of 10
As of October 28, 2026, ETF Copilot scores FNCL 5.0 out of 10 and XLF 5.0 out of 10.
They differ most on Quality: FNCL 5.9 and XLF 6.6.
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 | 4.1 | 3.8 |
| Value | 3.8 | 3.3 |
| Risk | 5.1 | 5.5 |
| Quality | 5.9 | 6.6 |
| Return | 6.0 | 6.1 |
FNCL and XLF both charge 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, XLF charges 0.08% a year, yields 1.48% and holds $51.6B in assets across 76 positions.
| Measure | FNCL | XLF |
|---|---|---|
| Expense ratio | 0.08% | 0.08% |
| Dividend yield | 1.63% | 1.48% |
| Assets under management | $2.3B | $51.6B |
| Holdings | 376 | 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 XLF holdings overlap and scores”, as of October 28, 2026.
https://etf-copilot.com/compare/fncl-vs-xlf
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