Is XLF a good investment?

State Street Financial Select Sector SPDR ETF (XLF) is a financial sector ETF. As of September 11, 2026, ETF Copilot scores XLF 4.1 out of 10 — highest on Quality (8.4), lowest on Growth (0.3). It trades at 16.1 times earnings, against its own median of 14.3. Its ten largest holdings are 57% of the fund.

Updated September 11, 2026

How is XLF rated? ETF Copilot scores State Street Financial Select Sector SPDR ETF (XLF) 4.1 out of 10

As of September 11, 2026, ETF Copilot scores State Street Financial Select Sector SPDR ETF (XLF) 4.1 out of 10 overall.

ETF Copilot scores (0–10 scale, higher is better):

Overall: 4.1 / 10
Growth: 0.3 / 10
Valuation: 4.3 / 10
Risk: 1.8 / 10
Quality: 8.4 / 10
Return: 6.2 / 10

What is XLF's expense ratio? 0.08% a year

As of September 11, 2026, XLF charges 0.08% a year, yields 1.46% and holds $54.7B in assets across 76 positions.

State Street Financial Select Sector SPDR ETF (XLF) — cost, income and size
Measure	XLF
Expense ratio	0.08%
Dividend yield	1.46%
Assets under management	$54.7B
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.

What stands out in XLF's data

Tracks US financial sector stocks, from banks to insurers.

Its return on invested capital is unusually low.

Return on invested capital is 3.3%, well below the category median of 4.4%.

Adds targeted exposure to the financial sector, with a focus on capital efficiency.

Why did XLF move this week? It fell 2.2% in the week to September 11, 2026 — JPMorgan Chase and Visa drove it

XLF fell 2.2% in the week to September 11, 2026. The holdings that moved it most were JPMorgan Chase (−1.6%), Visa (−2.2%) and Mastercard (−2.8%); Berkshire Hathaway (+0.5%) pushed the other way.

Is XLF expensive right now? It trades at 16.1 times earnings, against its own median of 14.3

As of September 11, 2026, XLF is more expensive than 67% of its own 114 monthly readings since 2017 — 76 of those months were cheaper than today.

Trailing twelve-month, computed by ETF Copilot from the fund's holdings rather than quoted from a data provider, and rebuilt nightly.

What's inside XLF?

What's inside XLF: Size (Large 94%, Mid 6%, Small 0%); Geography (International 3%, US 97%); Tech 1.6%.

What are XLF's top holdings? The ten largest are 57% of the fund

JPMorgan Chase, Berkshire Hathaway, Visa, Mastercard, Bank of America, Goldman Sachs, Wells Fargo, Morgan Stanley, Citigroup and The Charles Schwab are XLF's largest holdings, in that order.

More concentrated than 62% 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 21 equally weighted holdings.

Cite this

ETF Copilot, “State Street Financial Select Sector SPDR ETF (XLF) scores and holdings analysis”, as of September 11, 2026.
https://etf-copilot.com/etf/xlf