FNDC vs SCHF Stock Comparison: AI Score, Valuation, Performance and Upside
FNDC and SCHF sit in related but distinct corners of the ETF landscape — FNDC centers on value-tilted international exposure via fundamental weighting, while SCHF focuses on the cheapest developed international core holding for Schwab investors. Investors choosing between them should weigh how each fund's strategy lines up with their own goals rather than assuming they're interchangeable.
Choosing between FNDC and SCHF comes down to which specific exposure — value-tilted international exposure via fundamental weighting or the cheapest developed international core holding for Schwab investors — better matches the role you want this holding to play in a diversified portfolio.
SCHF holds the edge across 4 of 5 key metrics in this comparison. SCHF has delivered stronger 1-year price return (+20.99% vs +18.41% for FNDC).
- want value-tilted international exposure via fundamental weighting
- prefer Charles Schwab's approach and fund lineup
- value fundamental weighting reduces exposure to overvalued mega-caps
- are comfortable with fundamental-weighting strategies can lag cap-weighted funds for years
- want the cheapest developed international core holding for Schwab investors
- prefer Charles Schwab's approach and fund lineup
- value one of the lowest expense ratios among developed international ETFs
- are comfortable with smaller asset base and volume than VEA or IEFA
| Metric | FNDC | SCHF |
|---|---|---|
| ETF scorei | 24.9 | 27.1 |
| Latest closei | $49.86 | $27.51 |
| 1M returni | -0.06% | -0.29% |
| 3M returni | -1.38% | -1.89% |
| 6M returni | -0.80% | +1.12% |
| 1Y returni | +18.41% | +20.99% |
The ETF score weights long-term returns and risk-adjusted performance most heavily, but still rewards low expense ratios, larger fund size, and broader diversification — so it can favor low-cost, broad, mega-cap funds over smaller thematic or actively-managed funds even when the latter have delivered stronger returns.
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | FNDC | SCHF |
|---|---|---|
| 1Y ago | $12.32K (+23.2%) started 2025-11-04 | $12.52K (+25.2%) started 2025-11-04 |
| 5Y ago | $17.04K (+70.4%) started 2021-11-05 | $18.65K (+86.5%) started 2021-11-05 |
| 10Y ago | $30.53K (+205.3%) started 2016-11-07 | $36.91K (+269.1%) started 2016-11-07 |
Hypothetical — past performance does not guarantee future results.
| Metric | FNDC | SCHF |
|---|---|---|
| Expense ratioi | 0.39% | 0.03% |
| Total assets (AUM)i | $3.04B | $67.7B |
| Dividend yieldi | 3.67% | 3.11% |
| Trailing P/Ei | 13.83 | 15.96 |
| Betai | 0.79 | 0.86 |
| 52-week change | 18.41% | 20.99% |
| Metric | FNDC | SCHF |
|---|---|---|
| 1Y returni | +18.41% | +20.99% |
| 6M returni | -0.80% | +1.12% |
| 3M returni | -1.38% | -1.89% |
| 1M returni | -0.06% | -0.29% |
| 1Y Sharpe ratio | 0.90 | 0.91 |
| Betai | 0.79 | 0.86 |
| Dividend yieldi | 3.67% | 3.11% |
| 5Y CAGR | +7.77% | +9.61% |
Over the past year, FNDC and SCHF have moved strongly in the same direction (correlation of 0.95), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | FNDC | SCHF |
|---|---|---|---|
| 1Y | Growthi | +18.41% | +20.99% |
| CAGRi | +18.42% | +21.00% | |
| Volatilityi | 15.12% | 17.80% | |
| Sharpe ratioi | 0.90 | 0.91 | |
| Sortino ratioi | 1.33 | 1.34 | |
| Max drawdowni | 11.20% | 11.48% | |
| Current drawdowni | 3.48% | 3.78% | |
| Avg drawdowni | 2.38% | 2.40% | |
| Ulcer Indexi | 3.44% | 3.51% | |
| Max daily dropi | 3.14% | 3.77% | |
| Max wkly dropi | 6.81% | 6.99% | |
| 5Y | Growthi | +45.37% | +58.17% |
| CAGRi | +7.77% | +9.61% | |
| Volatilityi | 16.04% | 16.78% | |
| Sharpe ratioi | 0.27 | 0.37 | |
| Sortino ratioi | 0.39 | 0.53 | |
| Max drawdowni | 30.84% | 28.81% | |
| Current drawdowni | 3.48% | 3.78% | |
| Avg drawdowni | 8.23% | 6.26% | |
| Ulcer Indexi | 10.92% | 8.98% | |
| Max daily dropi | 5.34% | 6.31% | |
| Max wkly dropi | 9.60% | 10.57% | |
| 10Y | Growthi | +126.11% | +163.71% |
| CAGRi | +8.51% | +10.19% | |
| Volatilityi | 16.68% | 17.08% | |
| Sharpe ratioi | 0.31 | 0.39 | |
| Sortino ratioi | 0.42 | 0.54 | |
| Max drawdowni | 43.22% | 34.87% | |
| Current drawdowni | 3.48% | 3.78% | |
| Avg drawdowni | 9.26% | 6.25% | |
| Ulcer Indexi | 12.49% | 8.95% | |
| Max daily dropi | 11.58% | 10.98% | |
| Max wkly dropi | 20.73% | 20.65% |
| Category | FNDC | SCHF |
|---|---|---|
| Fund name | Schwab Fundamental International Small Equity ETF | Schwab International Equity ETF |
| Type | ETF | ETF |
| Expense ratioi | 0.39% | 0.03% |
| Total assets (AUM)i | $3.04B | $67.7B |
| Dividend yieldi | 3.67% | 3.11% |
- Fundamental weighting reduces exposure to overvalued mega-caps
- Tends to tilt toward value and higher-dividend international stocks
- No commission through Schwab brokerage accounts
- One of the lowest expense ratios among developed international ETFs
- No commission through Schwab brokerage accounts
- Broad developed-market diversification across Europe and Asia
- Fundamental-weighting strategies can lag cap-weighted funds for years
- Higher expense ratio than plain cap-weighted international funds
- Value tilt underperforms during growth-led international rallies
- Smaller asset base and volume than VEA or IEFA
- Currency risk applies as with any unhedged international fund
- Developed international's long relative underperformance versus the US
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