Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
MOAT vs XLF: how they differ
MOAT and XLF hold 5% of their weight in the same names, and MOAT returned more over the year.
VanEck Morningstar Wide Moat ETF and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, MOAT and XLF hold 5% of their money in the same securities at the same weight.
| Holding | MOAT | XLF |
|---|---|---|
| Charles Schwab Corp/The | 2.45% | 1.99% |
| US Bancorp | 1.39% | 1.24% |
| Blackstone Inc | 1.28% | 1.15% |
| Jack Henry & Associates Inc | 1.33% | 0.13% |
| Only in MOAT | Only in XLF |
|---|---|
| Masco Corp 2.96% | Berkshire Hathaway Inc 12.10% |
| Kenvue Inc 2.59% | JPMorgan Chase & Co 11.57% |
| Airbnb Inc 2.56% | Visa Inc 7.51% |
| Palo Alto Networks Inc 2.51% | Mastercard Inc 5.47% |
| Brown-Forman Corp 2.49% | Bank of America Corp 4.91% |
| NVIDIA Corp 2.45% | Goldman Sachs Group Inc/The 3.94% |
| Datadog Inc 2.44% | Wells Fargo & Co 3.34% |
| Bristol-Myers Squibb Co 2.43% | 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.
| MOAT VanEck Morningstar Wide Moat ETF | XLF State Street(R) Financial Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | VanEck | State Street |
| What it is | Morningstar Wide Moat | Financials |
| Total return, 1 year | +11.3% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −6.2 pts | −9.9 pts |
| Expense ratio | 0.46% | 0.08% |
| Already in the S&P 500 | 91.6% | 100.0% |
| Holdings | 55 | 76 |
MOAT in plain words
MOAT is an index equity fund tracking the Morningstar Wide Moat. Over the year to Sep 11, 2026 it returned +11.3% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.46% a year. By its holdings filed for Jun 30, 2026, 92% of the fund by weight is stocks the S&P 500 also holds, across 55 positions, with the top ten at 25.3%. It sat 5.7% below its high of Aug 27, 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, MOAT or XLF?
- In the year to Sep 12, 2026, with distributions reinvested, MOAT returned +11.3% and XLF returned +7.6%, so MOAT returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, MOAT or XLF?
- MOAT charges 0.46% a year and XLF charges 0.08%, so XLF is cheaper. Fees come from each fund's prospectus.
- How much do MOAT and XLF overlap with the S&P 500?
- By their latest filed holdings, 92% of MOAT and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 5% 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, MOAT against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/MOAT-XLF Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources