FNCL vs SPY
Comparison between FIDELITY MSCI FINANCIALS INDEX ETF (FNCL, ETF) and SPDR S&P 500 ETF Trust (SPY, ETF).
5-Year PerformanceSPY has outperformed FNCL, delivering a return of +13.3% compared to +10.8%
FNCL vs SPY - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Net Assets
FNCL
$2.20B
Winner
SPY
$781B
Expense Ratio
Winner
FNCL
0.08%
SPY
0.09%
Max Drawdown
Winner
FNCL
44.96%
SPY
56.47%
Sharpe Ratio
FNCL
0.65
Winner
SPY
1.42
5Y Beta
Winner
FNCL
0.83
SPY
1.00
P/E Ratio
Winner
FNCL
16.96
SPY
26.48
Forward P/E
Winner
FNCL
15.08
SPY
20.90
PEG Ratio
FNCL
N/A
SPY
0.30
5Y Dividends CAGR
Winner
FNCL
6.69%
SPY
6.00%
5Y EPS CAGR
FNCL
11.03%
Winner
SPY
26.40%
Debt to Equity
FNCL
92.06%
Winner
SPY
48.17%
P/S Ratio
Winner
FNCL
3.36
SPY
3.72
P/B Ratio
Winner
FNCL
2.25
SPY
5.55
FNCL vs SPY - Holdings Comparison
FNCL and SPY have 38 common holdings. Overlap is 9.28%
FNCL's top 25 holdings weight is 63.30%. SPY's top 25 holdings weight is 51.49%.
| Rank | FNCL | SPY |
|---|---|---|
| #1 | JPMORGAN CHASE & CO (JPM) - 10.36% | NVIDIA CORP (NVDA) - 7.76% |
| #2 | BERKSHIRE HATHAWAY INC CLASS B (BRK-B) - 7.62% | APPLE INC (AAPL) - 7.44% |
| #3 | VISA INC CLASS A (V) - 6.69% | MICROSOFT CORP (MSFT) - 4.56% |
| #4 | MASTERCARD INC CLASS A (MA) - 4.93% | AMAZON.COM INC (AMZN) - 3.74% |
| #5 | BANK OF AMERICA CORP (BAC) - 4.65% | ALPHABET INC CLASS A (GOOGL) - 3.14% |
| #6 | THE GOLDMAN SACHS GROUP INC (GS) - 3.58% | BROADCOM INC (AVGO) - 2.83% |
| #7 | WELLS FARGO & CO (WFC) - 3.01% | ALPHABET INC CLASS C (GOOG) - 2.53% |
| #8 | MORGAN STANLEY (MS) - 2.87% | META PLATFORMS INC CLASS A (META) - 2.18% |
| #9 | CITIGROUP INC (C) - 2.53% | MICRON TECHNOLOGY INC (MU) - 1.69% |
| #10 | AMERICAN EXPRESS CO (AXP) - 2.09% | TESLA INC (TSLA) - 1.65% |
| #11 | CHARLES SCHWAB CORP (SCHW) - 1.85% | ELI LILLY AND CO (LLY) - 1.44% |
| #12 | BLACKROCK INC (BLK) - 1.71% | JPMORGAN CHASE & CO (JPM) - 1.43% |
| #13 | S&P GLOBAL INC (SPGI) - 1.46% | BERKSHIRE HATHAWAY INC CLASS B (BRK-B) - 1.39% |
| #14 | CHUBB LTD (CB) - 1.39% | ADVANCED MICRO DEVICES INC (AMD) - 1.37% |
| #15 | CAPITAL ONE FINANCIAL CORP (COF) - 1.38% | EXXONMOBIL HOLDINGS CORP (XOM) - 0.97% |
| #16 | PROGRESSIVE CORP (PGR) - 1.35% | JOHNSON & JOHNSON (JNJ) - 0.93% |
| #17 | BANK OF NEW YORK MELLON CORP (BNY) - 1.22% | VISA INC CLASS A (V) - 0.91% |
| #18 | PNC FINANCIAL SERVICES GROUP INC (PNC) - 1.13% | INTEL CORP (INTC) - 0.77% |
| #19 | U.S. BANCORP (USB) - 1.11% | WALMART INC (WMT) - 0.75% |
| #20 | BLACKSTONE INC (BX) - 1.03% | ABBVIE INC (ABBV) - 0.70% |
| #21 | MARKEL GROUP INC (MKL) - 0.28% | APPLIED MATERIALS INC (AMAT) - 0.69% |
| #22 | n/a (ARES) - 0.28% | CISCO SYSTEMS INC (CSCO) - 0.68% |
| #23 | PRINCIPAL FINANCIAL GROUP INC (PFG) - 0.27% | MASTERCARD INC CLASS A (MA) - 0.67% |
| #24 | CORPAY INC (CPAY) - 0.26% | COSTCO WHOLESALE CORP (COST) - 0.64% |
| #25 | SOFI TECHNOLOGIES INC ORDINARY SHARES (SOFI) - 0.25% | CATERPILLAR INC (CAT) - 0.63% |
| Total Holdings | 346 | 505 |
FNCL vs SPY - Historical Returns
Returns include dividend reinvestment.
1M
FNCL
+2.69%
Winner
SPY
+3.42%
3M
Winner
FNCL
+11.86%
SPY
+5.97%
6M
FNCL
+6.92%
Winner
SPY
+12.56%
1Y
FNCL
+14.27%
Winner
SPY
+23.65%
5Y(CAGR)
FNCL
+10.83%
Winner
SPY
+13.33%
10Y(CAGR)
FNCL
+13.27%
Winner
SPY
+15.34%
Max(CAGR)
Winner
FNCL
+12.04%
SPY
+8.61%
FNCL vs SPY - Annual Returns (1999 - 2026)
Returns include dividend reinvestment.
| Year | FNCL | SPY |
|---|---|---|
| 2026 | +6.19% | +13.79% |
| 2025 | +15.27% | +18.00% |
| 2024 | +30.29% | +25.59% |
| 2023 | +13.75% | +26.72% |
| 2022 | -13.26% | -18.64% |
| 2021 | +36.91% | +30.52% |
| 2020 | -2.92% | +17.28% |
| 2019 | +30.72% | +31.09% |
| 2018 | -13.32% | -5.24% |
| 2017 | +18.99% | +20.78% |
| 2016 | +27.37% | +13.59% |
| 2015 | -0.62% | +1.31% |
| 2014 | +14.62% | +14.56% |
| 2013 | +4.82% | +29.00% |
| 2012 | N/A | +14.17% |
| 2011 | N/A | +0.85% |
| 2010 | N/A | +13.14% |
| 2009 | N/A | +22.67% |
| 2008 | N/A | -36.25% |
| 2007 | N/A | +5.32% |
| 2006 | N/A | +13.85% |
| 2005 | N/A | +5.32% |
| 2004 | N/A | +10.75% |
| 2003 | N/A | +24.18% |
| 2002 | N/A | -22.42% |
| 2001 | N/A | -10.13% |
| 2000 | N/A | -8.84% |
| 1999 | N/A | +8.61% |
FNCL vs SPY Drawdown Comparison
The maximum drawdown for FNCL was -44.36%, occurring on Mar 23, 2020. Recovery took 226 trading sessions.
The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.
The current FNCL drawdown is -0.77%.
| Rank | FNCL | SPY |
|---|---|---|
| #1 | -44.36% Feb 14, 2020 - Jan 7, 2021 | -55.20% Oct 9, 2007 - Aug 16, 2012 |
| #2 | -25.68% Jan 12, 2022 - Feb 23, 2024 | -47.50% Mar 24, 2000 - Oct 26, 2006 |
| #3 | -24.26% Jan 26, 2018 - Nov 1, 2019 | -33.70% Feb 19, 2020 - Aug 10, 2020 |
| #4 | -20.91% Jul 22, 2015 - Aug 30, 2016 | -24.50% Jan 3, 2022 - Dec 13, 2023 |
| #5 | -17.29% Feb 18, 2025 - Jun 30, 2025 | -19.34% Sep 20, 2018 - Apr 12, 2019 |
| #6 | -14.78% Jan 6, 2026 - Jul 6, 2026 | -18.76% Feb 19, 2025 - Jun 26, 2025 |
| #7 | -8.60% Mar 1, 2017 - Jul 25, 2017 | -13.02% Jul 20, 2015 - Apr 18, 2016 |
| #8 | -8.18% Jun 4, 2021 - Aug 10, 2021 | -10.10% Jan 26, 2018 - Aug 6, 2018 |
| #9 | -7.93% Nov 29, 2024 - Jan 27, 2025 | -9.44% Sep 2, 2020 - Nov 11, 2020 |
| #10 | -7.82% Jan 14, 2021 - Feb 9, 2021 | -9.30% Jan 19, 2000 - Mar 17, 2000 |
| #11 | -7.66% Nov 3, 2021 - Jan 7, 2022 | -9.05% Jul 19, 2007 - Oct 5, 2007 |
| #12 | -7.10% Jul 30, 2024 - Aug 23, 2024 | -8.88% Jan 27, 2026 - Apr 14, 2026 |
| #13 | -6.78% Dec 29, 2014 - Mar 20, 2015 | -8.41% Jul 16, 2024 - Sep 19, 2024 |
| #14 | -6.68% Jan 15, 2014 - Mar 5, 2014 | -7.35% Sep 14, 2012 - Jan 2, 2013 |
| #15 | -6.40% Sep 18, 2014 - Oct 30, 2014 | -7.27% Sep 18, 2014 - Oct 31, 2014 |
Correlation
Correlation between FNCL and SPY is 0.99 which considered as a very strong positive correlation - the stocks move almost identically together.
0.99
-101
Dividend Comparison (1999 - 2026)
FNCL vs SPY dividend yield comparison.
| Year | FNCL | SPY |
|---|---|---|
| 2026 | 0.87% | 0.48% |
| 2025 | 1.45% | 1.07% |
| 2024 | 1.52% | 1.21% |
| 2023 | 1.91% | 1.40% |
| 2022 | 2.29% | 1.65% |
| 2021 | 1.75% | 1.20% |
| 2020 | 2.26% | 1.52% |
| 2019 | 2.17% | 1.75% |
| 2018 | 2.37% | 2.04% |
| 2017 | 1.60% | 1.80% |
| 2016 | 1.81% | 2.03% |
| 2015 | 2.17% | 2.06% |
| 2014 | 1.77% | 1.87% |
| 2013 | 0.43% | 1.81% |
| 2012 | 0.00% | 2.18% |
| 2011 | 0.00% | 2.05% |
| 2010 | 0.00% | 1.80% |
| 2009 | 0.00% | 1.95% |
| 2008 | 0.00% | 3.02% |
| 2007 | 0.00% | 1.85% |
| 2006 | 0.00% | 1.73% |
| 2005 | 0.00% | 1.73% |
| 2004 | 0.00% | 1.82% |
| 2003 | 0.00% | 1.47% |
| 2002 | 0.00% | 1.70% |
| 2001 | 0.00% | 1.25% |
| 2000 | 0.00% | 1.15% |
| 1999 | 0.00% | 0.24% |
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