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EUFN vs VFH

iShares MSCI Europe Financials ETF

EUFNCNasdaq

Vanguard Financials ETF

VFHBNYSE Arca

Overlap

0.0%by weight

Expense ratio

VFH −0.40pt a year

EUFN0.49%VFH0.09%

Avg volume · 30D

EUFN 2.8×the volume

EUFN1.64MVFH579K

10Y return · a year

VFH +0.5pt

EUFN+12.4%VFH+12.9%

EUFN vs VFH Performance

Oct 29, 2021 – Oct 30, 2026

+127.9%EUFN+52.3%VFH

Oct 29, 2021 to Oct 30, 2026. EUFN +127.9%. VFH +52.3%. Use the arrow keys to read each point.0%100%150%Oct 2021Apr 2024Oct 2026
Expense ratio
EUFN 0.49%
VFH 0.09%, better
Fund size
EUFN $2.92B
VFH $13.9B
1Y total return
EUFN +16.3%, better
VFH +9.6%
Yield (12M)
EUFN 4.38%, better
VFH 1.71%
Holdings
EUFN 93
VFH 426
Avg volume (30D)
EUFN 1.64M sh, better
VFH 579K sh
NAV per share
EUFN $37.66
VFH $137.29
52W range

ETF.net Grade

EUFN: Cost 24, Risk 58, Mission not scored, Tradability 54, Holdings 67, Durability 76. VFH: Cost 88, Risk 53, Mission not scored, Tradability 56, Holdings 53, Durability 84.
Pillar letters and Scores for EUFN, VFH, with each pillar’s weight
PillarEUFNVFH
Cost30% weightF24A88Higher
Mission25% weightNot scoredNot scored
Risk15% weightB58HigherC53
Tradability15% weightC54B56Higher
Holdings10% weightB67HigherC53
Durability5% weightA76A84Higher

Rank among Financials (Broad) funds

How we build Categories ›
Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

Same Category. EUFN and VFH are both graded against the same 18 Financials (Broad) funds, so their Grades compare head to head.

Financials (Broad)⁠

Category · 18 funds
See all 18 ›

VFH ranks 4th and EUFN 13th of 18 funds in the Financials (Broad) Category.

  1. Rank 1AXLFState Street Financial Select Sector SPDR ETFScore 82
  2. Rank 2AFNCLFidelity MSCI Financials Index ETFScore 76
  3. Rank 3AKIEState Street SPDR S&P Insurance ETFScore 72
  4. Rank 4BVFHVanguard Financials ETFScore 69
  5. Rank 5BIXGiShares Global Financials ETFScore 66
  6. Rank 12CIYGiShares U.S. Financial Services ETFScore 50
  7. Rank 13CEUFNiShares MSCI Europe Financials ETFScore 45
  8. Rank 13CIAIiShares U.S. Broker-Dealers & Securities Exchanges ETFScore 45

Our read on each fund

ETF.net Research

EUFNCiShares MSCI Europe Financials ETF

VFHBVanguard Financials ETF

In short

EUFN European banks, insurers and asset managers in one US-listed ticket. Roughly 80 stocks spanning 15 developed European markets, from Spanish lenders to Swiss and British giants, and it has been doing that one job since 2010.

VFH Financials without the size filter. VFH holds roughly 400 US financial stocks, from the megabanks down to small regional lenders and insurers, for 0.09% a year.

Stated mandate

EUFN The fund seeks to track an index of developed-market European equities in the financials sector, providing regional sector exposure to European banks, insurers, and financial-services firms.

VFH VFH seeks to track the MSCI US Investable Market Index (IMI)/Financials 25/50, providing passively managed, multicapitalization exposure to U.S. financial-sector equities.

Why people hold it

  • EUFN Whole-continent reach, not just the euro zone: the index covers financials across 15 developed European countries, including the UK, Switzerland and the Nordics.msci.com
  • One clean instrument for a regional sector view: about 80 banks, insurers and financial-services firms, per the fund's stated objective.ishares.com
  • Assets in the billions and active daily trading, which is unusual for a single-sector, single-region fund.
  • Running since January 2010, through the euro-zone debt crisis and the negative-rate years. Long tenure for a niche slice of the market.
  • VFH Owns the whole sector, not just the giants: roughly 400 US financial names through MSCI's US IMI Financials 25/50 index, megabanks through small regional lenders and insurers.vanguard.com
  • Costs 0.09% a year, a fraction of what the typical broad financials fund charges.vanguard.com
  • Running since 2004, now a multi-billion-dollar fund that trades actively, and it has stayed close to its index. One of the strongest implementations in the financials group.
  • Pays out quarterly, passively managed, no manager stock-picking inside the sector.

Worth knowing

  • EUFN Costs 0.49% a year, above the 0.44% median for financials funds and far above US-focused index rivals like XLF (0.08%) and VFH (0.09%). International plumbing isn't cheap.
  • The holdings trade in euros, pounds, francs and krona, so exchange-rate moves ride along with the stock story in your dollar returns.msci.com
  • One sector, market-cap weighted, so Europe's largest banks and insurers carry the load. Rate moves and credit cycles drive it more than any single company.usnews.com
  • VFH One sector, one storyline: banks, insurers and brokers tend to move together with interest rates and the credit cycle.
  • The multicap reach cuts both ways. Small regional banks and niche insurers ride along with the megacaps, and they can swing harder.
  • Cost isn't the edge here: XLF and FNCL sit at essentially the same fee. Breadth of coverage is the real differentiator.

Full EUFN profile⁠

Full VFH profile⁠

EUFN vs VFH Holdings

How EUFN and VFH differ

Overlap by weight

0.0%

Shared holdings make up 0.0% of EUFN and 0.0% of VFH.

Level by level

  • Countryby domicile0.0%
  • Holdings0 in both0.0%
  • Sector9 Sectors18.1%
  • Asset classEquity100%

Sector

Sector weights in EUFN and VFH, widest gap first
SectorMore in EUFNMore in VFH
FinancialsVFH +79.2 points
BanksEUFN +56.8 points
InsuranceEUFN +25.0 points
TechnologyVFH +1.9 points
Real EstateVFH +0.6 points
Health CareVFH +0.1 points
IndustrialsVFH +0.1 points
Consumer DiscretionarySame weight
CommunicationSame weight

Country, concentration and asset class

Country by domicile

Country weights in EUFN and VFH, widest gap first
CountryMore in EUFNMore in VFH
United StatesVFH +100.0 points
United KingdomEUFN +23.7 points
GermanyEUFN +13.5 points
SwitzerlandEUFN +12.4 points
SpainEUFN +11.6 points
ItalyEUFN +10.8 points
FranceEUFN +7.7 points
NetherlandsEUFN +6.2 points
Other countries (6)EUFN +14.3 points

Outside the US: EUFN 100% developed, 0% emerging.

Concentration

Weight in the 10 largest Holdings

  • EUFN43.1%
  • VFH48.5%

Securities held

  • EUFN84
  • VFH424

Asset class

EUFN
Equity
VFH
Equity

Holdings

  • Only in EUFN84
  • In both0
  • Only in VFH424

Only in EUFN

84 securities, 99.5% of EUFN by weight

  • Hsbc Holdings PLC8.91%
  • Allianz5.65%
  • Banco Santander4.88%

Only in VFH

424 securities, 99.5% of VFH by weight

  • JPMorgan Chase & Co10.46%
  • Berkshire Hathaway Inc8.36%
  • Visa Inc7.10%

Weight gaps

EUFN and VFH share no securities.

All 84 EUFN holdings⁠All 404 VFH holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

EUFN vs VFH Cost

Overpaying EUFN vs VFH

$7,894

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

  • EUFN 0.49%

    $9,792

  • VFH 0.09%

    $1,898

$10,000
30 years

Cost over time

  • EUFN 0.49%
  • VFH 0.09%
  • Overpaying
One line per fund, from year 0 to year 30. Use the arrow keys to read each point.$0$2K$4K$6K$8K$10K051015202530EUFN $9,792VFH $1,898

Year by year

YearEUFNVFHOverpaying
10$883$165$718
20$3,394$646$2,748
30$9,792$1,898$7,894

Expense ratio

  • 0.49%EUFN
  • 0.09%VFH, cheaper
  • Middle half of Financials (Broad) funds
  • Median 0.37%

VFH 3rd cheapest of 18 funds

EUFN 14th cheapest of 18 funds

EUFN vs VFH Dividends

Last 12 months to Oct 30, 2026
Yield (12M)
EUFN 4.38%, better
VFH 1.71%
Payout (12M)
EUFN $1.65
VFH $2.35
Last payment
EUFN $1.14
VFH $0.45
Ex-dividend
EUFN Jun 15, 2026
VFH Sep 23, 2026
Paid on
EUFN Jun 18, 2026
VFH Sep 25, 2026
Frequency
EUFN Twice a year
VFH Quarterly

Distribution history

Per share, 2017 to 2026, same scale for both

EUFNTwice a year · 19 paymentsAll EUFN payments⁠
One bar per payment. 19 payments from 2017 to 2026 YTD. Jun 20, 2017 $0.55; Dec 19, 2017 $0.16; Jun 19, 2018 $0.82; Dec 18, 2018 $0.28; Jun 17, 2019 $0.71; Dec 16, 2019 $0.18; Jun 15, 2020 $0.17; Dec 14, 2020 $0.07; Jun 10, 2021 $0.42; Dec 13, 2021 $0.41; Jun 9, 2022 $0.67; Dec 13, 2022 $0.07; Jun 7, 2023 $0.73; Dec 20, 2023 $0.32; Jun 11, 2024 $0.77; Dec 17, 2024 $0.48; Jun 16, 2025 $0.81; Dec 16, 2025 $0.52; Jun 15, 2026 $1.14. Use the arrow keys to read each point.$0$12017202020232026YTD
VFHQuarterly · 39 paymentsAll VFH payments⁠
One bar per payment. 39 payments from 2017 to 2026 YTD. Mar 24, 2017 $0.15; Jun 28, 2017 $0.27; Sep 27, 2017 $0.31; Dec 14, 2017 $0.35; Mar 16, 2018 $0.25; Jun 28, 2018 $0.36; Sep 24, 2018 $0.35; Dec 13, 2018 $0.40; Mar 21, 2019 $0.36; Jun 21, 2019 $0.38; Sep 26, 2019 $0.46; Dec 16, 2019 $0.46; Mar 10, 2020 $0.37; Jun 22, 2020 $0.41; Sep 11, 2020 $0.36; Dec 17, 2020 $0.48; Mar 26, 2021 $0.38; Jun 21, 2021 $0.37; Sep 29, 2021 $0.54; Dec 16, 2021 $0.51; Mar 24, 2022 $0.41; Jun 23, 2022 $0.41; Sep 28, 2022 $0.47; Dec 15, 2022 $0.62; Mar 24, 2023 $0.44; Jun 29, 2023 $0.44; Sep 28, 2023 $0.50; Dec 19, 2023 $0.54; Mar 22, 2024 $0.40; Jun 28, 2024 $0.46; Sep 27, 2024 $0.55; Dec 18, 2024 $0.66; Mar 25, 2025 $0.51; Jun 26, 2025 $0.47; Sep 24, 2025 $0.42; Dec 17, 2025 $0.67; Mar 24, 2026 $0.38; Jun 24, 2026 $0.85; Sep 23, 2026 $0.45. Use the arrow keys to read each point.$0$12017202020232026YTD

EUFN vs VFH Risk

Fall from peak · 5 years

  • EUFN
  • VFH
Oct 29, 2021 to Oct 30, 2026. Worst fall: EUFN −35.1% · Oct 2022. Use the arrow keys to read each point.−30%−20%−10%0%Oct 2021Apr 2024Oct 2026

Risk facts

VolatilityStd dev, 3 years
EUFN 15.8%, betterVFH 15.9%
Return per unit of riskSharpe ratio, 3 years
EUFN 1.65, betterVFH 1.11
Worst fallMax drawdown, 5 years
EUFN −35.1%VFH −25.7%, better
Market sensitivityBeta, 5 years
EUFN 0.79VFH 0.82

EUFN and VFH in the news

All news⁠

Popular comparisons

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