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 +8.4%
FNCL vs SPY - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Net Assets
FNCL
$2.20B
Winner
SPY
$652B
Expense Ratio
Winner
FNCL
0.08%
SPY
0.09%
Max Drawdown
Winner
FNCL
44.96%
SPY
56.47%
Sharpe Ratio
FNCL
0.34
Winner
SPY
2.07
5Y Beta
Winner
FNCL
0.86
SPY
1.00
P/E Ratio
Winner
FNCL
16.46
SPY
28.24
Forward P/E
Winner
FNCL
14.46
SPY
21.85
5Y Dividends CAGR
FNCL
5.38%
Winner
SPY
5.43%
5Y EPS CAGR
FNCL
11.90%
Winner
SPY
25.79%
Debt to Equity
FNCL
N/A
SPY
22.35%
P/S Ratio
Winner
FNCL
3.30
SPY
3.55
P/B Ratio
Winner
FNCL
2.13
SPY
5.29
FNCL vs SPY - Holdings Comparison
FNCL and SPY have 39 common holdings. Overlap is 9.17%
FNCL's top 25 holdings weight is 62.66%. SPY's top 25 holdings weight is 51.32%.
| Rank | FNCL | SPY |
|---|---|---|
| #1 | JPMORGAN CHASE & CO (JPM) - 10.07% | NVIDIA CORP (NVDA) - 8.45% |
| #2 | BERKSHIRE HATHAWAY INC CLASS B (BRK-B) - 7.81% | APPLE INC (AAPL) - 6.48% |
| #3 | VISA INC CLASS A (V) - 6.19% | MICROSOFT CORP (MSFT) - 5.20% |
| #4 | MASTERCARD INC CLASS A (MA) - 5.10% | AMAZON.COM INC (AMZN) - 4.14% |
| #5 | BANK OF AMERICA CORP (BAC) - 4.28% | ALPHABET INC CLASS A (GOOGL) - 3.32% |
| #6 | THE GOLDMAN SACHS GROUP INC (GS) - 3.30% | BROADCOM INC (AVGO) - 3.09% |
| #7 | WELLS FARGO & CO (WFC) - 3.04% | ALPHABET INC CLASS C (GOOG) - 2.65% |
| #8 | CITIGROUP INC (C) - 2.73% | META PLATFORMS INC CLASS A (META) - 2.40% |
| #9 | MORGAN STANLEY (MS) - 2.68% | TESLA INC (TSLA) - 1.73% |
| #10 | AMERICAN EXPRESS CO (AXP) - 2.07% | BERKSHIRE HATHAWAY INC CLASS B (BRK-B) - 1.43% |
| #11 | BLACKROCK INC (BLK) - 1.84% | JPMORGAN CHASE & CO (JPM) - 1.37% |
| #12 | CHARLES SCHWAB CORP (SCHW) - 1.82% | ELI LILLY AND CO (LLY) - 1.13% |
| #13 | S&P GLOBAL INC (SPGI) - 1.59% | EXXON MOBIL CORP (XOM) - 1.03% |
| #14 | CHUBB LTD (CB) - 1.46% | MICRON TECHNOLOGY INC (MU) - 0.93% |
| #15 | CAPITAL ONE FINANCIAL CORP (COF) - 1.45% | WALMART INC (WMT) - 0.91% |
| #16 | PROGRESSIVE CORP (PGR) - 1.41% | JOHNSON & JOHNSON (JNJ) - 0.90% |
| #17 | CME GROUP INC CLASS A (CME) - 1.22% | ADVANCED MICRO DEVICES INC (AMD) - 0.86% |
| #18 | BANK OF NEW YORK MELLON CORP (BK) - 1.09% | VISA INC CLASS A (V) - 0.85% |
| #19 | BLACKSTONE INC (BX) - 1.07% | COSTCO WHOLESALE CORP (COST) - 0.72% |
| #20 | INTERCONTINENTAL EXCHANGE INC (ICE) - 1.06% | MASTERCARD INC CLASS A (MA) - 0.67% |
| #21 | n/a (ARES) - 0.29% | INTEL CORP (INTC) - 0.65% |
| #22 | n/a (FIS) - 0.29% | NETFLIX INC (NFLX) - 0.64% |
| #23 | SOFI TECHNOLOGIES INC ORDINARY SHARES (SOFI) - 0.28% | CATERPILLAR INC (CAT) - 0.62% |
| #24 | PRINCIPAL FINANCIAL GROUP INC (PFG) - 0.26% | CHEVRON CORP (CVX) - 0.58% |
| #25 | T. ROWE PRICE GROUP INC (TROW) - 0.26% | PROCTER & GAMBLE CO (PG) - 0.57% |
| Total Holdings | 346 | 505 |
FNCL vs SPY - Historical Returns
Returns include dividend reinvestment.
1M
FNCL
+0.54%
Winner
SPY
+9.11%
3M
FNCL
-4.39%
Winner
SPY
+6.59%
6M
FNCL
-1.09%
Winner
SPY
+10.56%
1Y
FNCL
+6.81%
Winner
SPY
+32.04%
5Y(CAGR)
FNCL
+8.37%
Winner
SPY
+13.35%
10Y(CAGR)
FNCL
+12.56%
Winner
SPY
+15.49%
Max(CAGR)
Winner
FNCL
+11.25%
SPY
+8.50%
FNCL vs SPY - Annual Returns (1999 - 2026)
Returns include dividend reinvestment.
| Year | FNCL | SPY |
|---|---|---|
| 2026 | -5.52% | +8.27% |
| 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 -8.07%.
| 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 - Mar 27, 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 0.98 which considered as a very strong positive correlation - the stocks move almost identically together.
0.98
-101
Dividend Comparison (1999 - 2026)
FNCL vs SPY dividend yield comparison.
| Year | FNCL | SPY |
|---|---|---|
| 2026 | 0.55% | 0.24% |
| 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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