Compare SPY and XLF | ETF Tracker

SPY and XLF, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.3%+9.7%+22.0%+11.3%−8.9%13.6%$805B1.5

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.44%+6.3%+11.4%+23.0%+9.2%−14.8%15.3%$53.8B1.5

Rank among the two1st → 2ndFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: SPY 1993 · XLF 1998

Head to Head

Swap sides Versus in desk

Head to Head

5Y

State Street SPDR S&P 500 ETF · $805B$17,099

SPY

XLF

State Street Financial Select Sector SPDR ETF · $53.8B$15,503

$10,000 five years ago, dividends reinvested · they hold 12.5% in common

SPYMeasureXLF

+8.3%Year to dateJan 1 → Nov 5+6.3%

+9.7%1 yearTotal return+11.4%

+22.0%3 years · per year$10,000 became $18,174 · $18,620+23.0%

+11.3%5 years · per year$10,000 became $17,099 · $15,503+9.2%

0.09%Expense ratio$9 · $8 a year on $10k · lower is better0.08%

1.03%Trailing 12-mo yield$103 · $144 a year on $10k1.44%

−8.9%Worst dropSmaller is better−14.8%

13.6%VolatilityLower is calmer15.3%

SPYXLF Winner of the row, in its colourEach row: the bigger of the two fills its side

4–4Level

End-of-day Nov 5, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

SPY vs XLF: Top 5 Holdings

Today

SPY

27.7%in top 5

XLF

in top 543.7%

SPYStockXLF

not top 5BRK-B12.9%

not top 5JPM11.2%

not top 5V8.9%

7.7%AAPLnot top 5

7.3%NVDAnot top 5

not top 5MA6.5%

6.2%MSFTnot top 5

not top 5BAC4.0%

3.9%AMZNnot top 5

2.6%GOOGLnot top 5

Held in common12.5%

End-of-day Nov 5, 2026 · share of each fund

SPY vs XLF Returns, Every Period

5Y

SPDRSPY

+11.3%

5 years, per year

XLFSPDR

+9.2%

5 years, per year

SPYXLFFaded: behind in that period

2–2Level

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

Core vs Sector: SPY vs XLF

YTD

SPDRSPY

+8.3%

XLFSPDR

+6.3%

+8.3%Year to date+6.3%

−8.9%Worst drop · 1Y−14.8%

13.6%Volatility · 1Y15.3%

1.0%Yield1.4%

$805BAssets$53.8B

3–1SPY wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: SPY, XLF

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

SPY0.09%$9

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: SPY, XLF

1Y

1.44%highest, XLF

FundTrailing yieldYield$10k

XLF1.44%$144

SPY1.03%$103

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$136most kept, XLF

XLF$144 − $8 = $136

SPY$103 − $9 = $94

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: SPY, XLF

Today

12.5%most shared, SPY and XLF

SPYXLF

SPY—12.5%

XLF12.5%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

1Y

+11.4%XLF, at 15.3% volatility

SPYWorst drop−8.9%13.6% vol

XLFWorst drop−14.8%15.3% vol

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

XLFSPY

+6.3%Year to date+8.3%

1.4%Yield1.0%

+11.4%Past year+9.7%

0.08%Fee0.09%

3–1XLF wins

End-of-day Nov 5, 2026

Popular Pairs Near These Two

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$805B

2–0SPYM wins

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.1BAssets$46.1B

2–0JEPQ wins

End-of-day Nov 5, 2026