FNCL - ETF AI Analysis
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Fidelity MSCI Financials Index ETF (FNCL)
FNCL, the Fidelity MSCI Financials Index ETF, earns a solid overall rating largely because many of its biggest holdings—like JPMorgan Chase, Wells Fargo, Morgan Stanley, and American Express—show strong financial performance, positive earnings call sentiment, and generally supportive technical trends that point to healthy profitability and growth potential. The rating is held back somewhat by names such as Berkshire Hathaway, Visa, and Mastercard, where bearish technical momentum, high valuations, or lack of dividends are noted drawbacks. The main risk factor is the ETF’s heavy concentration in the financials sector, meaning its performance is closely tied to the health of banks and financial services companies.
FNCL vs. SPDR S&P 500 ETF (SPY)
- AUM
- 2.33B
- Region
- North America
- Expense Ratio
- 0.08%
- Beta
- 0.90
- Issuer
- Fidelity
- Inception Date
- Oct 21, 2013
- Dividend Yield
- 1.61%
- Asset Class
- Equity
- Index Tracked
- MSCI USA IMI Financials 25/50 Index
FNCL Summary
FNCL is the Fidelity MSCI Financials Index ETF, which follows the MSCI USA IMI Financials 25/50 Index. It focuses on U.S. financial companies like banks, credit card firms, and insurance businesses. Well-known holdings include JPMorgan Chase and Berkshire Hathaway, along with Visa and Mastercard. Investors might consider FNCL if they want simple, broad exposure to the financial sector and to spread their money across many different financial stocks instead of picking individual companies. A key risk is that it is heavily tied to financial stocks, so its value can rise or fall sharply with changes in interest rates, the economy, or problems in the banking system.
How much will it cost me?
FNCL has an expense ratio of 0.084%, which means you’ll pay about $0.84 per year for every $1,000 invested. This cost is lower than the average ETF because FNCL is a passively managed fund that simply tracks a financials index instead of paying managers to pick individual stocks.
What would affect this ETF?
FNCL is heavily focused on U.S. financial companies like JPMorgan, Berkshire Hathaway, Visa, and major banks, so it could benefit from a strong U.S. economy, healthy loan demand, and gradually rising interest rates that improve bank and card-company profits. On the downside, it may be hurt by economic slowdowns, credit losses, sharp interest rate cuts, or tighter financial regulations that pressure bank earnings and the broader financial sector.
FNCL Top 10 Holdings
FNCL is essentially a bet on U.S. financial heavyweights, with JPMorgan at the helm showing mixed momentum that keeps returns steady rather than exciting. The real spark comes from payment giants Visa and Mastercard, both rising and giving the fund a growth tilt within the sector. Berkshire Hathaway adds a steady, diversified backbone that’s also been climbing, while Bank of America and Citigroup have been lagging and quietly dragging on results. With nearly all exposure in U.S. financials, this ETF is tightly focused on the health of America’s banking and payments ecosystem.
| Name | Company Name | Weight % | Market Value | Market Cap | Yearly Gain | Overall Rating |
|---|---|---|---|---|---|---|
 JPM | JPMorgan Chase | 10.22% | $237.98M | $895.92B | 8.92% | 72Outperform |
 BRK.B | Berkshire Hathaway B | 8.56% | $199.17M | $1.16T | 13.37% | 66Neutral |
 V | Visa | 7.63% | $177.55M | $782.42B | 19.87% | 70Outperform |
 MA | Mastercard | 5.77% | $134.38M | $559.19B | 15.23% | 75Outperform |
 BAC | Bank of America | 3.72% | $86.50M | $346.20B | -5.69% | 72Outperform |
 GS | Goldman Sachs Group | 3.06% | $71.31M | $260.47B | 13.21% | 73Outperform |
 WFC | Wells Fargo | 2.87% | $66.93M | $250.35B | -3.01% | 80Outperform |
 MS | Morgan Stanley | 2.51% | $58.37M | $289.46B | 11.52% | 76Outperform |
 C | Citigroup | 2.40% | $55.89M | $205.72B | 22.37% | 68Neutral |
 BLK | BlackRock | 1.94% | $45.14M | $186.45B | 4.51% | 77Outperform |
FNCL Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in ETF analysis to make informed investment decisions. For FNCL, the sentiment is Positive. The current price of 79.94 is above the 20-day moving average (MA) of 78.30, above the 50-day MA of 79.24, and above the 200-day MA of 75.98, indicating a bullish trend. The MACD of 0.39 indicates Negative momentum. The RSI at 57.93 is Neutral, neither overbought nor oversold. The STOCH value of 74.16 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FNCL.
FNCL Peer Comparison
Comparison Results
| Name | Price | Price Target | AUM | Expense Ratio | Overall Rating |
|---|---|---|---|---|---|
| FNCL | $79.94 | $86.00(7.58% Upside) | $2.33B | 0.08% | 72Outperform |
 KBWB | $88.42 | $103.05(16.54% Upside) | $6.91B | 0.35% | 74Outperform |
 IYF | $130.94 | $149.25(13.98% Upside) | $3.78B | 0.37% | 72Outperform |
 IYG | $94.26 | $108.21(14.80% Upside) | $2.27B | 0.37% | 72Outperform |
 KBE | $65.70 | $75.32(14.64% Upside) | $1.52B | 0.35% | 72Outperform |
 FXO | $64.00 | $71.41(11.58% Upside) | $1.07B | 0.60% | 72Outperform |
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FNCL | Fidelity MSCI Financials Index ETF | 79.94 | 7.29 | 10.04% | |
| KBWB | Invesco KBW Bank ETF | 88.42 | 13.13 | 17.45% | |
| IYF | iShares U.S. Financials ETF | 130.94 | 10.52 | 8.74% | |
| IYG | iShares US Financial Services ETF | 94.26 | 7.37 | 8.48% | |
| KBE | SPDR S&P Bank ETF | 65.70 | 10.18 | 18.34% | |
| FXO | First Trust Financials AlphaDEX Fund | 64.00 | 7.88 | 14.03% |
This AI Analyst ETF Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in ETFs carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.