Is XLY a good investment?

State Street Consumer Discretionary Select Sector SPDR ETF (XLY) is a consumer sector ETF. As of September 11, 2026, ETF Copilot scores XLY 3.1 out of 10 — highest on Valuation (5.1), lowest on Growth (0.7). It trades at 26.1 times earnings, against its own median of 20.2. Its ten largest holdings are 69% of the fund.

Updated September 11, 2026

How is XLY rated? ETF Copilot scores State Street Consumer Discretionary Select Sector SPDR ETF (XLY) 3.1 out of 10

As of September 11, 2026, ETF Copilot scores State Street Consumer Discretionary Select Sector SPDR ETF (XLY) 3.1 out of 10 overall.

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

Overall: 3.1 / 10
Growth: 0.7 / 10
Valuation: 5.1 / 10
Risk: 2.9 / 10
Quality: 3.7 / 10
Return: 3.7 / 10

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

As of September 11, 2026, XLY charges 0.08% a year, yields 0.81% and holds $22.0B in assets across 47 positions.

State Street Consumer Discretionary Select Sector SPDR ETF (XLY) — cost, income and size
Measure	XLY
Expense ratio	0.08%
Dividend yield	0.81%
Assets under management	$22.0B
Holdings	47

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 XLY's data

U.S. consumer discretionary stocks, from automakers to retailers.

Trades at a richer price than the typical consumer fund — you pay more for each dollar of earnings.

Its trailing P/E multiple of 26.1x sits above the category median of 22.1x and its own five-year median of 20.5x. Analysts project just 10% earnings growth ahead.

A growth-oriented sleeve for portfolios that want direct consumer-spending exposure.

Why did XLY move this week? It fell 3.0% in the week to September 11, 2026 — Tesla and Booking drove it

XLY fell 3.0% in the week to September 11, 2026. The holdings that moved it most were Tesla (−2.9%), Booking (−10.9%) and Amazon.com (−0.8%); Garmin (+2.0%) pushed the other way.

Is XLY expensive right now? It trades at 26.1 times earnings, against its own median of 20.2

As of September 11, 2026, XLY is more expensive than 85% of its own 114 monthly readings since 2017 — 97 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 XLY? 43% Magnificent 7

What's inside XLY: Size (Large 92%, Mid 8%, Small 0%); Geography (International 2%, US 98%); Tech 1.2%; Magnificent 7 42.5%; AI 12.3%.

What are XLY's top holdings? The ten largest are 69% of the fund

Amazon.com, Tesla, Home Depot, McDonald's, Booking, TJX, Starbucks, Lowe S, General Motors and DoorDash are XLY's largest holdings, in that order.

More concentrated than 98% of Consumer ETFs.

Half of XLY's weight sits in its 4 largest positions, and once those weights are taken into account it behaves like 9 equally weighted holdings.

Cite this

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