State Street Financial Select Sector SPDR ETF
$54.66−0.14 (−0.26%)
- Expense ratio
- 0.08%
- Fund size
- $51.5B
- 1Y return
- +3.1%
- Yield · Last 12 months
- 1.51%
- Holdings
- 76
- Volume · 30D
- 33.4M sh
- NAV per share
- $55.88
- 52W range
The ETF.net XLF Grade
Score 81 of 100 sits in the A band. Bands: A ≥ 70, B ≥ 55, C ≥ 40, D ≥ 25, F < 25; the scale skips E.
Cost
What you pay to own it — the expense ratio plus trading frictions, ranked within its category.AScore 97Category rankMission
How faithfully it does the job it claims — tracking its mandate or index with minimal slippage.AScore 85Category rankRisk
How violently it can move — volatility, drawdown depth, and downside capture versus its category.BScore 56Category rankTradability
How cheaply and easily you can get in and out — liquidity, spread, and premium/discount stability.AScore 100Category rankHoldings
What it actually owns — the quality, breadth, and concentration of the underlying portfolio.CScore 43Category rankDurability
Whether it will still be here — the fund’s assets, age, flows, and issuer staying power.AScore 81Category rank
Our read on XLF
AThe 1998 original. XLF holds the S&P 500's financial sector, roughly 80 banks, insurers, card networks and exchanges, for 0.08% a year. Not the whole sector, the blue-chip end of it, and one of the most heavily traded ways to own it.
The fund seeks to track, before expenses, the price and yield performance of the Financial Select Sector Index.
Why people hold it
- At 0.08% a year, XLF sits at the cheap end of financial sector funds, well under the 0.44% cohort median and a hair below Vanguard's VFH at 0.09%.
- Trading since December 1998 and heavily traded ever since, so spreads stay tight whether you buy a hundred shares or a hundred thousand.
- Simple plumbing: it owns substantially all the stocks in the Financial Select Sector Index in index proportions, and tracks that benchmark closely.sec.gov
- One of the strongest implementations in the broad financials group on cost, tradability and index fidelity combined.
Worth knowing
- S&P 500 members only, so small and mid-sized regional banks are out. VFH and FNCL cast a wider net across the market-cap range.sec.gov
- About 80 names in one sector: banks, insurers, capital markets and mortgage REITs all bend to the same rate and credit cycle, so swings run wider than a total-market fund.sec.gov
- Cash comes quarterly, not monthly.
XLF Holdings
- Stocks
- 76
- 57%
- BRK-B
Sectors
- Financials98.1%
- Technology1.6%
- Industrials0.3%
Geography
- United States96.64%
- Switzerland1.57%
- Ireland0.80%
- Bermuda0.62%
- United Kingdom0.37%
XLF Performance
Shows how $10,000 changes over the selected period, with cash distributions reinvested at the closing price on each ex-dividend date.
XLF$10,307
Returns run to the Sep 22, 2026 close, with cash distributions reinvested. Each period starts on the same date that many months or years earlier. Periods over one year show the average yearly return.
| Period | XLF |
|---|---|
| Year to date | +1.3% |
| 1 month | −4.3% |
| 3 months | +2.4% |
| 1 year | +3.1% |
| 3 years | +19.5% |
| 5 years | +10.0% |
| 10 years | +13.0% |
Calendar-year total return with cash distributions hypothetically reinvested at the ex-dividend date’s closing price. The current year shows year to date.
| Year | Return bar | XLF |
|---|---|---|
| 2026 YTD | +1.3% | |
| 2025 | +14.9% | |
| 2024 | +30.5% | |
| 2023 | +12.0% | |
| 2022 | −10.6% | |
| 2021 | +34.8% | |
| 2020 | −1.7% |
XLF in the news
XLF Dividends
- 1.51%
- $0.83
- $0.20 per share
- Quarterly
Distribution history
| Ex-date | Pay date | Amount per share |
|---|---|---|
| Sep 21, 2026 | Pays Sep 23, 2026 | $0.20 |
| Jun 22, 2026 | Jun 24, 2026 | $0.19 |
| Mar 23, 2026 | Mar 25, 2026 | $0.25 |
| Dec 22, 2025 | Dec 24, 2025 | $0.19 |
| Sep 22, 2025 | Sep 24, 2025 | $0.18 |
| Jun 23, 2025 | Jun 25, 2025 | $0.17 |
| Mar 24, 2025 | Mar 26, 2025 | $0.18 |
| Dec 23, 2024 | Dec 26, 2024 | $0.21 |
| Sep 23, 2024 | Sep 25, 2024 | $0.17 |
| Jun 24, 2024 | Jun 26, 2024 | $0.16 |
| Mar 18, 2024 | Mar 21, 2024 | $0.15 |
| Dec 18, 2023 | Dec 21, 2023 | $0.18 |
XLF Risk
- 14.3%
How it’s calculated: standard deviation
The sample standard deviation of monthly total returns, multiplied by the square root of 12.
Uses up to 36 complete months, with at least 12 required. Total returns include reinvested distributions.
- 1.08
How it’s calculated: Sharpe ratio
Subtract each month’s Treasury-bill return from the fund’s monthly total return.
Divide the average of those excess returns by their sample standard deviation, then multiply by the square root of 12.
Uses up to 36 complete months, with at least 12 required. Each month uses the Treasury yield quoted at the end of the previous month.
- −25.8%
How it’s calculated: maximum drawdown
The largest percentage decline from an earlier peak, using total returns with reinvested distributions.
Uses up to five years through the last close, with at least 12 months required.
- 0.75
How it’s calculated: beta
The beta figure is supplied by FMP. The comparison index depends on the fund’s broad asset class.
XLF Cost
0.08%
XLF0.08%
- The middle half of Financials (Broad) funds
- Median 0.37%
No Financials (Broad) fund charges less.