Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
EZU vs XLF: how they differ
EZU and XLF hold 0% of their weight in the same names, and EZU returned more over the year.
iShares MSCI Eurozone ETF and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, EZU and XLF hold 0% of their money in the same securities at the same weight.
| Only in EZU | Only in XLF |
|---|---|
| ASML Holding N.V. 8.10% | Berkshire Hathaway Inc 12.10% |
| Siemens Aktiengesellschaft 3.08% | JPMorgan Chase & Co 11.57% |
| SAP SE 2.44% | Visa Inc 7.51% |
| Banco Santander, S.A. 2.37% | Mastercard Inc 5.47% |
| TOTALENERGIES SE 2.25% | Bank of America Corp 4.91% |
| SCHNEIDER ELECTRIC SE 2.22% | Goldman Sachs Group Inc/The 3.94% |
| Allianz SE 2.18% | Wells Fargo & Co 3.34% |
| Siemens Energy AG 1.89% | Morgan Stanley 3.31% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026 and May 31, 2026.
| EZU iShares MSCI Eurozone ETF | XLF State Street(R) Financial Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | iShares | State Street |
| What it is | MSCI Eurozone | Financials |
| Total return, 1 year | +18.0% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +0.5 pts | −9.9 pts |
| Expense ratio | 0.50% | 0.08% |
| Already in the S&P 500 | 0.0% | 100.0% |
| Holdings | 226 | 76 |
EZU in plain words
EZU is an index equity fund tracking the MSCI Eurozone. Over the year to Sep 11, 2026 it returned +18.0% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.50% a year. By its holdings filed for May 31, 2026, 0% of the fund by weight is stocks the S&P 500 also holds, across 226 positions, with the top ten at 28.2%. It sat 3.3% below its high of Aug 14, 2026 on Sep 11, 2026.
XLF in plain words
XLF is an index equity fund tracking the Financials. Over the year to Sep 11, 2026 it returned +7.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 76 positions, with the top ten at 57.7%.
Questions people ask
- Which returned more over the last year, EZU or XLF?
- In the year to Sep 12, 2026, with distributions reinvested, EZU returned +18.0% and XLF returned +7.6%, so EZU returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, EZU or XLF?
- EZU charges 0.50% a year and XLF charges 0.08%, so XLF is cheaper. Fees come from each fund's prospectus.
- How much do EZU and XLF overlap with the S&P 500?
- By their latest filed holdings, 0% of EZU and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 0% of their books are the same securities at the same weight.
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Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, EZU against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/EZU-XLF Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources