State Street Financial Select Sector SPDR ETF (XLF) is a financial sector ETF. As of October 28, 2026, ETF Copilot scores XLF 5.0 out of 10 — highest on Quality (6.6), lowest on Value (3.3). It trades at 16.2 times earnings, against its own median of 14.9. Its ten largest holdings are 58% of the fund.
What stands out in XLF's data
Tracks US financial sector stocks, from banks to insurers.
Trades at a richer price than most sector peers — you pay more for each dollar of earnings.
Trailing P/E multiple of 16.2x sits above the sector median of 12.8x and its own five-year median of 14.9x. Top holdings concentration is 57.3%.
Adds targeted exposure to the financial sector, with a lower capital efficiency than peers.
How is XLF rated? ETF Copilot scores State Street Financial Select Sector SPDR ETF (XLF) 5.0 out of 10
As of October 28, 2026, ETF Copilot scores State Street Financial Select Sector SPDR ETF (XLF) 5.0 out of 10 overall.
ETF Copilot scores (0–10 scale, higher is better):
- Overall: 5.0 / 10
- Growth: 3.8 / 10
- Value: 3.3 / 10
- Risk: 5.5 / 10
- Quality: 6.6 / 10
- Return: 6.1 / 10
Is XLF expensive right now? It trades at 16.2 times earnings, against its own median of 14.9
As of October 28, 2026, XLF is more expensive than 65% of its own last 9 years.
Trailing 12 months, built from XLF's holdings. How we calculate this →
What's inside XLF?
What's inside XLF: Size (Large 82%, Mid 5%, Small 13%); Geography (International 3%, US 97%); Tech 1.5%.
What are XLF's top holdings? The ten largest are 58% of the fund
Berkshire Hathaway, JPMorgan Chase, Visa, Mastercard, Bank of America, Goldman Sachs, Wells Fargo, Morgan Stanley, Citigroup and American Express are XLF's largest holdings, in that order.
More concentrated than 66% of Financials ETFs.
Half of XLF's weight sits in its 8 largest positions, and once those weights are taken into account it behaves like 20 equally weighted holdings.
What is XLF's expense ratio? 0.08% a year
As of October 28, 2026, XLF charges 0.08% a year, yields 1.48% and holds $51.6B in assets across 76 positions.
| Measure | XLF |
|---|---|
| Expense ratio | 0.08% |
| Dividend yield | 1.48% |
| Assets under management | $51.6B |
| Holdings | 76 |
Expense ratio, dividend yield and assets under management are reported by the fund and refreshed daily. Every other figure on this page is computed by ETF Copilot.
Cite this
ETF Copilot, “State Street Financial Select Sector SPDR ETF (XLF) scores and holdings analysis”, as of October 28, 2026.
https://etf-copilot.com/etf/xlf
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