State Street Consumer Discretionary Select Sector SPDR ETF (XLY) is a consumer sector ETF. As of October 28, 2026, ETF Copilot scores XLY 4.4 out of 10 — highest on Value (6.8), lowest on Risk (2.3). It trades at 25.7 times earnings, against its own median of 26.0. Its ten largest holdings are 69% of the fund.
What stands out in XLY's data
U.S. consumer discretionary stocks, from automakers to retailers.
Outpaced the typical consumer-sector fund over the last three years — more of the rally landed in your account.
A 3-year annualized return of 16% sits ahead of the 13% category median. The portfolio also earns a 19.4% EBITDA margin, above the 18.1% peer norm.
A growth-oriented sleeve for portfolios that want direct consumer-spending exposure.
How is XLY rated? ETF Copilot scores State Street Consumer Discretionary Select Sector SPDR ETF (XLY) 4.4 out of 10
As of October 28, 2026, ETF Copilot scores State Street Consumer Discretionary Select Sector SPDR ETF (XLY) 4.4 out of 10 overall.
ETF Copilot scores (0–10 scale, higher is better):
- Overall: 4.4 / 10
- Growth: 5.8 / 10
- Value: 6.8 / 10
- Risk: 2.3 / 10
- Quality: 2.4 / 10
- Return: 4.0 / 10
Is XLY expensive right now? It trades at 25.7 times earnings, against its own median of 26.0
As of October 28, 2026, XLY is cheaper than 55% of its own last 9 years.
Trailing 12 months, built from XLY's holdings. How we calculate this →
What's inside XLY? 42% Magnificent 7
What's inside XLY: Size (Large 92%, Mid 8%, Small 0%); Geography (International 2%, US 98%); Tech 1.3%; Magnificent 7 41.6%; AI 11.2%.
What are XLY's top holdings? The ten largest are 69% of the fund
Amazon.com, Tesla, Home Depot, McDonald's, TJX, Starbucks, Booking, Lowe S, Marriott International and Hilton Worldwide 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 10 equally weighted holdings.
What is XLY's expense ratio? 0.08% a year
As of October 28, 2026, XLY charges 0.08% a year, yields 0.82% and holds $22.4B in assets across 47 positions.
| Measure | XLY |
|---|---|
| Expense ratio | 0.08% |
| Dividend yield | 0.82% |
| Assets under management | $22.4B |
| 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.
Cite this
ETF Copilot, “State Street Consumer Discretionary Select Sector SPDR ETF (XLY) scores and holdings analysis”, as of October 28, 2026.
https://etf-copilot.com/etf/xly
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