XLF vs SPY
Comparison between STATE STREET(R) FINANCIAL SELECT SECTOR SPDR(R) ETF (XLF, ETF) and SPDR S&P 500 ETF Trust (SPY, ETF).
5-Year PerformanceSPY has outperformed XLF, delivering a return of +13.2% compared to +10.7%
XLF vs SPY - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Net Assets
XLF
$51B
Winner
SPY
$781B
Expense Ratio
Winner
XLF
0.08%
SPY
0.09%
Max Drawdown
XLF
83.75%
Winner
SPY
56.47%
Sharpe Ratio
XLF
0.68
Winner
SPY
1.43
5Y Beta
Winner
XLF
0.78
SPY
1.00
P/E Ratio
Winner
XLF
17.43
SPY
26.48
Forward P/E
Winner
XLF
16.40
SPY
20.89
PEG Ratio
XLF
0.59
Winner
SPY
0.30
5Y Dividends CAGR
Winner
XLF
6.07%
SPY
6.00%
5Y EPS CAGR
XLF
11.67%
Winner
SPY
26.40%
Debt to Equity
XLF
81.40%
Winner
SPY
48.17%
P/S Ratio
Winner
XLF
3.61
SPY
3.72
P/B Ratio
Winner
XLF
2.45
SPY
5.55
XLF vs SPY - Holdings Comparison
XLF and SPY have 77 common holdings. Overlap is 12.21%
XLF's top 25 holdings weight is 77.29%. SPY's top 25 holdings weight is 51.49%.
| Rank | XLF | SPY |
|---|---|---|
| #1 | JPMORGAN CHASE & CO (JPM) - 11.46% | NVIDIA CORP (NVDA) - 7.76% |
| #2 | BERKSHIRE HATHAWAY INC CLASS B (BRK-B) - 11.36% | APPLE INC (AAPL) - 7.44% |
| #3 | VISA INC CLASS A (V) - 7.55% | MICROSOFT CORP (MSFT) - 4.56% |
| #4 | MASTERCARD INC CLASS A (MA) - 5.57% | AMAZON.COM INC (AMZN) - 3.74% |
| #5 | BANK OF AMERICA CORP (BAC) - 4.98% | ALPHABET INC CLASS A (GOOGL) - 3.14% |
| #6 | THE GOLDMAN SACHS GROUP INC (GS) - 3.93% | BROADCOM INC (AVGO) - 2.83% |
| #7 | WELLS FARGO & CO (WFC) - 3.33% | ALPHABET INC CLASS C (GOOG) - 2.53% |
| #8 | MORGAN STANLEY (MS) - 3.19% | META PLATFORMS INC CLASS A (META) - 2.18% |
| #9 | CITIGROUP INC (C) - 2.77% | MICRON TECHNOLOGY INC (MU) - 1.69% |
| #10 | AMERICAN EXPRESS CO (AXP) - 2.36% | TESLA INC (TSLA) - 1.65% |
| #11 | CHARLES SCHWAB CORP (SCHW) - 2.12% | ELI LILLY AND CO (LLY) - 1.44% |
| #12 | BLACKROCK INC (BLK) - 1.92% | JPMORGAN CHASE & CO (JPM) - 1.43% |
| #13 | S&P GLOBAL INC (SPGI) - 1.72% | BERKSHIRE HATHAWAY INC CLASS B (BRK-B) - 1.39% |
| #14 | CAPITAL ONE FINANCIAL CORP (COF) - 1.62% | ADVANCED MICRO DEVICES INC (AMD) - 1.37% |
| #15 | CHUBB LTD (CB) - 1.60% | EXXONMOBIL HOLDINGS CORP (XOM) - 0.97% |
| #16 | PROGRESSIVE CORP (PGR) - 1.56% | JOHNSON & JOHNSON (JNJ) - 0.93% |
| #17 | BANK OF NEW YORK MELLON CORP (BNY) - 1.36% | VISA INC CLASS A (V) - 0.91% |
| #18 | PNC FINANCIAL SERVICES GROUP INC (PNC) - 1.27% | INTEL CORP (INTC) - 0.77% |
| #19 | U.S. BANCORP (USB) - 1.24% | WALMART INC (WMT) - 0.75% |
| #20 | BLACKSTONE INC (BX) - 1.16% | ABBVIE INC (ABBV) - 0.70% |
| #21 | CME GROUP INC CLASS A (CME) - 1.12% | APPLIED MATERIALS INC (AMAT) - 0.69% |
| #22 | MARSH (MRSH) - 1.11% | CISCO SYSTEMS INC (CSCO) - 0.68% |
| #23 | INTERCONTINENTAL EXCHANGE INC (ICE) - 1.01% | MASTERCARD INC CLASS A (MA) - 0.67% |
| #24 | ROBINHOOD MARKETS INC CLASS A (HOOD) - 0.99% | COSTCO WHOLESALE CORP (COST) - 0.64% |
| #25 | THE TRAVELERS COMPANIES INC (TRV) - 0.99% | CATERPILLAR INC (CAT) - 0.63% |
| Total Holdings | 80 | 505 |
XLF vs SPY - Historical Returns
Returns include dividend reinvestment.
1M
Winner
XLF
+2.97%
SPY
+2.30%
3M
Winner
XLF
+11.90%
SPY
+5.00%
6M
XLF
+7.46%
Winner
SPY
+11.88%
1Y
XLF
+13.00%
Winner
SPY
+22.80%
5Y(CAGR)
XLF
+10.73%
Winner
SPY
+13.20%
10Y(CAGR)
XLF
+13.55%
Winner
SPY
+15.26%
Max(CAGR)
XLF
+6.01%
Winner
SPY
+8.59%
XLF vs SPY - Annual Returns (1999 - 2026)
Returns include dividend reinvestment.
| Year | XLF | SPY |
|---|---|---|
| 2026 | +6.15% | +13.10% |
| 2025 | +15.17% | +18.00% |
| 2024 | +29.99% | +25.59% |
| 2023 | +11.63% | +26.72% |
| 2022 | -11.69% | -18.64% |
| 2021 | +36.68% | +30.52% |
| 2020 | -2.62% | +17.28% |
| 2019 | +30.78% | +31.09% |
| 2018 | -13.07% | -5.24% |
| 2017 | +20.65% | +20.78% |
| 2016 | +24.85% | +13.59% |
| 2015 | -1.74% | +1.31% |
| 2014 | +15.69% | +14.56% |
| 2013 | +31.71% | +29.00% |
| 2012 | +25.14% | +14.17% |
| 2011 | -18.93% | +0.85% |
| 2010 | +9.70% | +13.14% |
| 2009 | +16.31% | +22.67% |
| 2008 | -54.06% | -36.25% |
| 2007 | -19.59% | +5.32% |
| 2006 | +17.23% | +13.85% |
| 2005 | +6.58% | +5.32% |
| 2004 | +11.02% | +10.75% |
| 2003 | +25.90% | +24.18% |
| 2002 | -14.65% | -22.42% |
| 2001 | -6.80% | -10.13% |
| 2000 | +30.76% | -8.84% |
| 1999 | -5.52% | +8.61% |
XLF vs SPY Drawdown Comparison
The maximum drawdown for XLF was -82.72%, occurring on Mar 6, 2009. Recovery took 2555 trading sessions.
The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.
The current XLF drawdown is -0.33%. The current SPY drawdown is -0.36%.
| Rank | XLF | SPY |
|---|---|---|
| #1 | -82.72% Jun 1, 2007 - Jul 25, 2017 | -55.20% Oct 9, 2007 - Aug 16, 2012 |
| #2 | -42.83% Feb 14, 2020 - Jan 6, 2021 | -47.50% Mar 24, 2000 - Oct 26, 2006 |
| #3 | -36.64% Jan 3, 2001 - Jan 15, 2004 | -33.70% Feb 19, 2020 - Aug 10, 2020 |
| #4 | -25.82% Jan 12, 2022 - Feb 22, 2024 | -24.50% Jan 3, 2022 - Dec 13, 2023 |
| #5 | -25.34% Nov 16, 1999 - Jun 2, 2000 | -19.34% Sep 20, 2018 - Apr 12, 2019 |
| #6 | -24.66% Jan 26, 2018 - Nov 4, 2019 | -18.76% Feb 19, 2025 - Jun 26, 2025 |
| #7 | -15.55% Feb 19, 2025 - Jun 27, 2025 | -13.02% Jul 20, 2015 - Apr 18, 2016 |
| #8 | -14.80% Jan 6, 2026 - Jul 6, 2026 | -10.10% Jan 26, 2018 - Aug 6, 2018 |
| #9 | -14.09% Sep 11, 2000 - Dec 26, 2000 | -9.44% Sep 2, 2020 - Nov 11, 2020 |
| #10 | -11.52% Jun 2, 2000 - Aug 4, 2000 | -9.30% Jan 19, 2000 - Mar 17, 2000 |
| #11 | -10.19% Mar 5, 2004 - Dec 1, 2004 | -9.05% Jul 19, 2007 - Oct 5, 2007 |
| #12 | -9.13% Feb 15, 2005 - Jul 14, 2005 | -8.88% Jan 27, 2026 - Apr 14, 2026 |
| #13 | -8.42% Jun 4, 2021 - Aug 10, 2021 | -8.41% Jul 16, 2024 - Sep 19, 2024 |
| #14 | -8.32% Feb 20, 2007 - May 9, 2007 | -7.35% Sep 14, 2012 - Jan 2, 2013 |
| #15 | -7.98% Jan 14, 2021 - Feb 12, 2021 | -7.27% Sep 18, 2014 - Oct 31, 2014 |
Correlation
Correlation between XLF and SPY is 0.97 which considered as a very strong positive correlation - the stocks move almost identically together.
0.97
-101
Dividend Comparison (1999 - 2026)
XLF vs SPY dividend yield comparison.
| Year | XLF | SPY |
|---|---|---|
| 2026 | 0.76% | 0.48% |
| 2025 | 1.31% | 1.07% |
| 2024 | 1.42% | 1.21% |
| 2023 | 1.71% | 1.40% |
| 2022 | 2.04% | 1.65% |
| 2021 | 1.63% | 1.20% |
| 2020 | 2.03% | 1.52% |
| 2019 | 1.87% | 1.75% |
| 2018 | 2.08% | 2.04% |
| 2017 | 1.48% | 1.80% |
| 2016 | 21.10% | 2.03% |
| 2015 | 1.95% | 2.06% |
| 2014 | 1.60% | 1.87% |
| 2013 | 1.47% | 1.81% |
| 2012 | 1.76% | 2.18% |
| 2011 | 1.73% | 2.05% |
| 2010 | 0.98% | 1.80% |
| 2009 | 1.71% | 1.95% |
| 2008 | 6.15% | 3.02% |
| 2007 | 3.00% | 1.85% |
| 2006 | 2.52% | 1.73% |
| 2005 | 2.24% | 1.73% |
| 2004 | 2.05% | 1.82% |
| 2003 | 1.84% | 1.47% |
| 2002 | 2.03% | 1.70% |
| 2001 | 1.53% | 1.25% |
| 2000 | 1.23% | 1.15% |
| 1999 | 0.35% | 0.24% |
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