SCHM vs VFLO: Differences, Returns & Fees
SCHM and VFLO hold 6% of their weight in the same names, and VFLO returned +47.4% over the year. Net assets: $14.6bn on May 31, 2026 for Schwab U.S. Mid-Cap ETF, and $7.8bn on Jun 30, 2026 for VictoryShares Free Cash Flow ETF.
SCHM costs 0.36 points a year less; their one-year returns differ by 29.8 points.
| SCHM | VFLO | |
|---|---|---|
| Expense ratio | 0.03% | 0.39% |
| Net assets, SCHM as of May 31, 2026 and VFLO as of Jun 30, 2026 | $14.6bn | $7.8bn |
| Total return, 1 year | +17.6% | +47.4% |
| What it tracks | Dow Jones U.S. Mid-Cap Total Stock Market Index | Victory U.S. Large Cap Free Cash Flow Index |
| Holdings in common | 6% | |
| Top ten holdings, share of the fund | 13.3% | 30.8% |
| Below its high | 5.8%, high on Jun 30, 2026 | |
Holdings in common uses holdings dated May 31, 2026 and Jun 30, 2026.
SCHM and VFLO are built for the same job. How do they differ in cost, holdings and results?
- What each follows. SCHM follows Dow Jones U.S. Mid-Cap Total Stock Market Index and VFLO follows Victory U.S. Large Cap Free Cash Flow Index.
- Holdings in common. 6% of the weight is in the same securities (holdings dated May 31, 2026 and Jun 30, 2026).
- One-year total return. Over 1 year to Oct 20, 2026 SCHM returned +17.6% and VFLO +47.4% with distributions reinvested, a gap of 29.8 points.
Data as of Oct 20, 2026. The differences are picked by a fixed rule, in a fixed order; the PDF prints it. Page 2 has the returns, overlap, risks and sources.
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What they hold in common
By the books each fund has filed, SCHM and VFLO hold 6% of their money in the same securities at the same weight. Holdings dated May 31, 2026 and Jun 30, 2026.
half
6% in common
On the same fields
SCHM and VFLO on the fields both publish, as of Oct 20, 2026. Source: ETFIQ.
About SCHM
SCHM tracks an index. Over the year to Oct 20, 2026 it returned +17.6% with distributions reinvested, against +15.9% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.03% a year. By its holdings filed for May 31, 2026, 30% of the fund by weight is stocks the S&P 500 also holds, across 496 positions, with the top ten at 13.3%. It sat 5.8% below its high of Jun 30, 2026 on Oct 20, 2026.
About VFLO
VFLO tracks an index. Over the year to Oct 20, 2026 it returned +47.4% with distributions reinvested. The prospectus expense ratio is 0.39% a year. By its holdings filed for Jun 30, 2026, 84% of the fund by weight is stocks the S&P 500 also holds, across 50 positions, with the top ten at 30.8%.
Questions people ask
- Which returned more over the last year, SCHM or VFLO?
- In the year to Oct 20, 2026, with distributions reinvested, SCHM returned +17.6% and VFLO +47.4%.
- Which is cheaper, SCHM or VFLO?
- SCHM is cheaper, by 0.36 percentage points a year. That is about $36 on $10,000 held for a year. Fees come from each fund's prospectus.
ETFIQ links to the documents behind every figure; a link is not an endorsement. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, SCHM against VFLO, data as of Oct 20, 2026. https://etfiq.com/compare/any/schm-vs-vflo
ETFIQ. (Oct 20, 2026). SCHM against VFLO. Retrieved from https://etfiq.com/compare/any/schm-vs-vflo
[SCHM against VFLO (ETFIQ, Oct 20, 2026)](https://etfiq.com/compare/any/schm-vs-vflo)
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