QUAL vs XLF
Comparison between ISHARES MSCI USA QUALITY FACTOR ETF (QUAL, ETF) and THE FINANCIAL SELECT SECTOR SPDR FUND (XLF, ETF).
5-Year PerformanceQUAL has outperformed XLF, delivering a return of +11.5% compared to +8.1%
QUAL vs XLF - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Net Assets
QUAL
$47B
Winner
XLF
$48B
Expense Ratio
QUAL
0.15%
Winner
XLF
0.08%
Max Drawdown
Winner
QUAL
34.06%
XLF
83.75%
Sharpe Ratio
Winner
QUAL
1.52
XLF
0.17
5Y Beta
QUAL
0.91
Winner
XLF
0.81
P/E Ratio
QUAL
27.29
Winner
XLF
16.19
Forward P/E
QUAL
23.25
Winner
XLF
15.09
PEG Ratio
QUAL
0.86
Winner
XLF
0.55
5Y Dividends CAGR
Winner
QUAL
7.13%
XLF
5.32%
5Y EPS CAGR
Winner
QUAL
27.89%
XLF
11.46%
Debt to Equity
Winner
QUAL
58.35%
XLF
71.70%
P/S Ratio
QUAL
4.39
Winner
XLF
3.36
P/B Ratio
QUAL
7.04
Winner
XLF
2.19
QUAL vs XLF - Holdings Comparison
QUAL and XLF have 23 common holdings. Overlap is 11.98%
QUAL's top 25 holdings weight is 63.67%. XLF's top 25 holdings weight is 77.53%.
| Rank | QUAL | XLF |
|---|---|---|
| #1 | APPLE INC (AAPL) - 6.20% | BERKSHIRE HATHAWAY INC CLASS B (BRK-B) - 11.75% |
| #2 | NVIDIA CORP (NVDA) - 6.11% | JPMORGAN CHASE & CO (JPM) - 11.24% |
| #3 | MICROSOFT CORP (MSFT) - 5.05% | VISA INC CLASS A (V) - 7.59% |
| #4 | META PLATFORMS INC CLASS A (META) - 3.68% | MASTERCARD INC CLASS A (MA) - 5.77% |
| #5 | TJX COMPANIES INC (TJX) - 3.40% | BANK OF AMERICA CORP (BAC) - 4.73% |
| #6 | LAM RESEARCH CORP (LRCX) - 3.11% | THE GOLDMAN SACHS GROUP INC (GS) - 3.66% |
| #7 | VISA INC CLASS A (V) - 3.04% | WELLS FARGO & CO (WFC) - 3.40% |
| #8 | ELI LILLY AND CO (LLY) - 3.03% | MORGAN STANLEY (MS) - 3.03% |
| #9 | KLA CORP (KLAC) - 2.57% | CITIGROUP INC (C) - 3.01% |
| #10 | MASTERCARD INC CLASS A (MA) - 2.44% | AMERICAN EXPRESS CO (AXP) - 2.28% |
| #11 | APPLIED MATERIALS INC (AMAT) - 2.39% | CHARLES SCHWAB CORP (SCHW) - 2.05% |
| #12 | BERKSHIRE HATHAWAY INC CLASS B (BRK-B) - 2.29% | BLACKROCK INC (BLK) - 2.02% |
| #13 | CATERPILLAR INC (CAT) - 2.12% | S&P GLOBAL INC (SPGI) - 1.79% |
| #14 | NETFLIX INC (NFLX) - 2.12% | CAPITAL ONE FINANCIAL CORP (COF) - 1.61% |
| #15 | ALPHABET INC CLASS A (GOOGL) - 2.12% | CHUBB LTD (CB) - 1.60% |
| #16 | JOHNSON & JOHNSON (JNJ) - 2.10% | PROGRESSIVE CORP (PGR) - 1.59% |
| #17 | ALPHABET INC CLASS C (GOOG) - 1.77% | CME GROUP INC CLASS A (CME) - 1.40% |
| #18 | SLB LTD (SLB) - 1.44% | BANK OF NEW YORK MELLON CORP (BK) - 1.23% |
| #19 | COSTCO WHOLESALE CORP (COST) - 1.33% | BLACKSTONE INC (BX) - 1.21% |
| #20 | ADOBE INC (ADBE) - 1.28% | INTERCONTINENTAL EXCHANGE INC (ICE) - 1.20% |
| #21 | ARISTA NETWORKS INC (ANET) - 1.25% | PNC FINANCIAL SERVICES GROUP INC (PNC) - 1.19% |
| #22 | ATMOS ENERGY CORP (ATO) - 1.23% | U.S. BANCORP (USB) - 1.18% |
| #23 | MERCK & CO INC (MRK) - 1.22% | MARSH (MRSH) - 1.12% |
| #24 | WALMART INC (WMT) - 1.20% | MOODYS CORP (MCO) - 0.95% |
| #25 | NIKE INC CLASS B (NKE) - 1.18% | AON PLC CLASS A (AON) - 0.93% |
| Total Holdings | 124 | 80 |
QUAL vs XLF - Historical Returns
Returns include dividend reinvestment.
1M
Winner
QUAL
+5.74%
XLF
+0.08%
3M
Winner
QUAL
+3.36%
XLF
-4.52%
6M
Winner
QUAL
+9.48%
XLF
-2.09%
1Y
Winner
QUAL
+23.93%
XLF
+4.34%
5Y(CAGR)
Winner
QUAL
+11.52%
XLF
+8.14%
10Y(CAGR)
Winner
QUAL
+14.14%
XLF
+12.67%
Max(CAGR)
Winner
QUAL
+13.56%
XLF
+5.57%
QUAL vs XLF - Annual Returns (1999 - 2026)
Returns include dividend reinvestment.
| Year | QUAL | XLF |
|---|---|---|
| 2026 | +5.87% | -6.24% |
| 2025 | +12.95% | +15.17% |
| 2024 | +23.18% | +29.99% |
| 2023 | +31.26% | +11.63% |
| 2022 | -20.28% | -11.69% |
| 2021 | +28.99% | +36.68% |
| 2020 | +16.02% | -2.62% |
| 2019 | +33.96% | +30.78% |
| 2018 | -6.11% | -13.07% |
| 2017 | +21.39% | +20.65% |
| 2016 | +10.84% | +24.85% |
| 2015 | +5.47% | -1.74% |
| 2014 | +12.54% | +15.69% |
| 2013 | +13.45% | +31.71% |
| 2012 | N/A | +25.14% |
| 2011 | N/A | -18.93% |
| 2010 | N/A | +9.70% |
| 2009 | N/A | +16.31% |
| 2008 | N/A | -54.06% |
| 2007 | N/A | -19.59% |
| 2006 | N/A | +17.23% |
| 2005 | N/A | +6.58% |
| 2004 | N/A | +11.02% |
| 2003 | N/A | +25.90% |
| 2002 | N/A | -14.65% |
| 2001 | N/A | -6.80% |
| 2000 | N/A | +30.76% |
| 1999 | N/A | -5.52% |
QUAL vs XLF Drawdown Comparison
The maximum drawdown for QUAL was -34.06%, occurring on Mar 23, 2020. Recovery took 122 trading sessions.
The maximum drawdown for XLF was -82.72%, occurring on Mar 6, 2009. Recovery took 2555 trading sessions.
The current XLF drawdown is -8.69%.
| Rank | QUAL | XLF |
|---|---|---|
| #1 | -34.06% Feb 19, 2020 - Aug 12, 2020 | -82.72% Jun 1, 2007 - Jul 25, 2017 |
| #2 | -28.22% Dec 29, 2021 - Dec 11, 2023 | -42.83% Feb 14, 2020 - Jan 6, 2021 |
| #3 | -20.46% Sep 21, 2018 - Apr 5, 2019 | -36.64% Jan 3, 2001 - Jan 15, 2004 |
| #4 | -18.00% Dec 4, 2024 - Jul 23, 2025 | -25.82% Jan 12, 2022 - Feb 22, 2024 |
| #5 | -11.49% Jul 20, 2015 - Oct 28, 2015 | -25.34% Nov 16, 1999 - Jun 2, 2000 |
| #6 | -11.20% Nov 3, 2015 - Apr 1, 2016 | -24.66% Jan 26, 2018 - Nov 4, 2019 |
| #7 | -9.92% Jan 26, 2018 - Aug 20, 2018 | -15.55% Feb 19, 2025 - Jun 27, 2025 |
| #8 | -9.03% Feb 25, 2026 - Apr 17, 2026 | -14.80% Jan 6, 2026 - Mar 27, 2026 |
| #9 | -8.69% Sep 2, 2020 - Nov 9, 2020 | -14.09% Sep 11, 2000 - Dec 26, 2000 |
| #10 | -7.63% Jul 16, 2024 - Aug 21, 2024 | -11.52% Jun 2, 2000 - Aug 4, 2000 |
| #11 | -7.40% Aug 30, 2021 - Oct 29, 2021 | -10.19% Mar 5, 2004 - Dec 1, 2004 |
| #12 | -6.92% Apr 23, 2019 - Jun 20, 2019 | -9.13% Feb 15, 2005 - Jul 14, 2005 |
| #13 | -6.63% Sep 19, 2014 - Oct 30, 2014 | -8.42% Jun 4, 2021 - Aug 10, 2021 |
| #14 | -6.58% Mar 21, 2024 - May 15, 2024 | -8.32% Feb 20, 2007 - May 9, 2007 |
| #15 | -6.46% Jan 21, 2014 - Feb 26, 2014 | -7.98% Jan 14, 2021 - Feb 12, 2021 |
Correlation
Correlation between QUAL and XLF is 0.98 which considered as a very strong positive correlation - the stocks move almost identically together.
0.98
-101
Dividend Comparison (1999 - 2026)
QUAL vs XLF dividend yield comparison.
| Year | QUAL | XLF |
|---|---|---|
| 2026 | 0.20% | 0.49% |
| 2025 | 0.94% | 1.31% |
| 2024 | 1.02% | 1.42% |
| 2023 | 1.23% | 1.71% |
| 2022 | 1.59% | 2.04% |
| 2021 | 1.20% | 1.63% |
| 2020 | 1.39% | 2.03% |
| 2019 | 1.60% | 1.87% |
| 2018 | 2.00% | 2.08% |
| 2017 | 1.76% | 1.48% |
| 2016 | 1.96% | 21.10% |
| 2015 | 1.63% | 1.95% |
| 2014 | 1.35% | 1.60% |
| 2013 | 0.63% | 1.47% |
| 2012 | 0.00% | 1.76% |
| 2011 | 0.00% | 1.73% |
| 2010 | 0.00% | 0.98% |
| 2009 | 0.00% | 1.71% |
| 2008 | 0.00% | 6.15% |
| 2007 | 0.00% | 3.00% |
| 2006 | 0.00% | 2.52% |
| 2005 | 0.00% | 2.24% |
| 2004 | 0.00% | 2.05% |
| 2003 | 0.00% | 1.84% |
| 2002 | 0.00% | 2.03% |
| 2001 | 0.00% | 1.53% |
| 2000 | 0.00% | 1.23% |
| 1999 | 0.00% | 0.35% |
Select Stocks to Compare
Popular: QUAL vs SPYXLF vs SPY
More Comparisons
Compare with similar stocks