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NYSE Arca · Financial · USD · ETF

State Street Financial Select Sector SPDR ETF (XLF) ETF Analysis

XLF
Expense ratio 0.08% Yield 1.4% Assets $54.59B Since December 16, 1998 Family State Street Investment Management
$58.10
−$0.46 (−0.79%)

September 4, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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Key facts

As of September 4, 2026, the annualized return for XLF over 10 years is +13.36%.

XLF charges an expense ratio of 0.08%.

XLF has $54.59B in net assets.

XLF Annualized Returns

PeriodAnnualized$100 becomes
1 year+9.14%$109.14
3 years+20.65%$175.62
5 years+10.73%$166.43
10 years+13.36%$350.28

Returns are price returns computed from daily closes and exclude dividends. As of September 4, 2026.

XLF Return by Calendar Year

2016 and 2026 are partial years

View as table ↓View as chart ↑
YearReturn
2026 (partial year)+7.00%
2025+14.90%
2024+30.56%
2023+12.03%
2022−10.59%
2021+34.80%
2020−1.74%
2019+31.87%
2018−13.05%
2017+22.00%
2016 (partial year)+20.12%

XLF Monthly Returns

−22%+17%
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026−2.4−3.8−3.5+5.6−1.1+4.3+6.2+1.4+0.7———
2025+6.5+1.4−4.2−2.1+4.5+3.1+0.0+3.1+0.1−2.8+1.8+3.1
2024+3.1+4.1+4.8−4.2+3.2−0.9+6.4+4.6−0.6+2.6+10.5−5.5
2023+6.9−2.3−9.5+3.2−4.3+6.6+4.8−2.7−3.1−2.4+10.9+5.3
2022+0.0−1.4−0.1−9.9+2.8−10.9+7.2−2.0−7.7+11.9+6.9−5.2
2021−1.8+11.6+5.9+6.5+4.8−3.0−0.5+5.1−1.8+7.3−5.7+3.4
2020−2.7−11.2−21.0+9.5+2.7−0.5+3.8+4.3−3.4−0.9+16.8+6.3
2019+8.9+2.2−2.6+9.0−7.2+6.7+2.4−4.7+4.5+2.5+5.1+2.6
2018+6.6−2.9−4.2−0.4−1.0−1.7+5.1+1.4−2.2−4.7+2.6−11.1
2017+0.3+5.3−3.0−0.8−1.2+6.5+1.7−1.6+5.1+2.9+3.5+1.9

Monthly price returns computed from daily closes; each cell prints its signed value.

XLF Volatility & Risk

Volatility: 10 yrs · Beta: 3 yrs
Annualized volatility
22.09%
Beta (3y)
0.71
Best year
+34.80%

2021

Worst year
−13.05%

2018

Volatility is the annualized standard deviation of daily returns. As of September 4, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Top Holdings

# Symbol Name Weight
1 JPM JPMorgan Chase & Co 11.71%
2 BRK-B Berkshire Hathaway Inc Class B 11.65%
3 V Visa Inc Class A 7.55%
4 MA Mastercard Inc Class A 5.75%
5 BAC Bank of America Corp 5.03%
6 GS The Goldman Sachs Group Inc 3.73%
7 WFC Wells Fargo & Co 3.29%
8 MS Morgan Stanley 3.13%
9 C Citigroup Inc 2.81%
10 AXP American Express Co 2.22%

Analysis

Data-derived

Fund Overview

State Street Financial Select Sector SPDR ETF trades as XLF and is categorised as Financial. The fund holds $54.59B in total net assets. Annual costs run at an expense ratio of 0.08%. On a $10,000 position that is $8.00 a year. The fund is issued by State Street Investment Management. The inception date on file is December 16, 1998.

Its biggest positions are JPMorgan Chase & Co (JPM), Berkshire Hathaway Inc Class B (BRK-B), and Visa Inc Class A (V). JPMorgan Chase & Co alone accounts for 11.71% of the portfolio. The ten largest positions together make up 56.87% of the fund.

Performance Analysis

XLF last closed at $58.10 on September 4, 2026. Over the trailing twelve months the price has returned +9.14%. Measured over 10 years, that is +13.36% a year compounded. The trailing distribution yield is 1.4%.

Across the complete calendar years on file, 2021 returned +34.80% and 2018 returned −13.05%. Of the 9 complete calendar years on file, 6 finished higher. So far in 2026 the price is +7.00%.

Price & Risk Profile

The 52-week range on file runs from $47.67 to $58.60. The latest close sits 21.88% above that 52-week low. Daily returns over the trailing 10 years annualize to a volatility of 22.09%. Beta against the wider market is reported at 0.71. The volatility figure is calculated from the stored daily closes, the same series the charts on this page use.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

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