Compare XLF and SPY | ETF Tracker

XLF and SPY, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

State Street Financial Select Sector SPDR ETFSectors · Financials0.08%1.40%+9.4%+15.3%+24.7%+10.1%−14.8%15.0%$54.2B1.5

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%0.99%+13.3%+13.4%+24.1%+12.6%−8.9%12.9%$798B1.5

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

End-of-day Nov 4, 2026 · returns include dividends · since: XLF 1998 · SPY 1993

Head to Head

Swap sides Versus in desk

Head to Head

5Y

State Street Financial Select Sector SPDR ETF · $54.2B$16,157

XLF

SPY

State Street SPDR S&P 500 ETF · $798B$18,060

$10,000 five years ago, dividends reinvested · they hold 12.3% in common

XLFMeasureSPY

+9.4%Year to dateJan 1 → Nov 4+13.3%

+15.3%1 yearTotal return+13.4%

+24.7%3 years · per year$10,000 became $19,384 · $19,132+24.1%

+10.1%5 years · per year$10,000 became $16,157 · $18,060+12.6%

0.08%Expense ratio$8 · $9 a year on $10k · lower is better0.09%

1.40%Trailing 12-mo yield$140 · $99 a year on $10k0.99%

−14.8%Worst dropSmaller is better−8.9%

15.0%VolatilityLower is calmer12.9%

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

4–4Level

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

XLF vs SPY: Top 5 Holdings

Today

XLF

43.4%in top 5

SPY

in top 527.3%

XLFStockSPY

12.9%BRK-Bnot top 5

11.2%JPMnot top 5

8.9%Vnot top 5

not top 5NVDA7.7%

not top 5AAPL7.4%

6.5%MAnot top 5

not top 5MSFT5.9%

4.0%BACnot top 5

not top 5AMZN3.8%

not top 5GOOGL2.5%

Held in common12.3%

End-of-day Nov 4, 2026 · share of each fund

XLF vs SPY Returns, Every Period

5Y

SPDRXLF

+10.1%

5 years, per year

SPYSPDR

+12.6%

5 years, per year

XLFSPYFaded: behind in that period

2–2Level

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

Sector vs Core: XLF vs SPY

YTD

SPDRXLF

+9.4%

SPYSPDR

+13.3%

+9.4%Year to date+13.3%

−14.8%Worst drop · 1Y−8.9%

15.0%Volatility · 1Y12.9%

1.4%Yield1.0%

$54.2BAssets$798B

3–1SPY wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: XLF, SPY

Today

0.08%lowest, XLF

FundExpense ratioFee$10k

XLF0.08%$8

SPY0.09%$9

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: XLF, SPY

1Y

1.40%highest, XLF

FundTrailing yieldYield$10k

XLF1.40%$140

SPY0.99%$99

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

1Y

$132most kept, XLF

XLF$140 − $8 = $132

SPY$99 − $9 = $90

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: XLF, SPY

Today

12.3%most shared, XLF and SPY

XLFSPY

XLF—12.3%

SPY12.3%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 2 ETFs

1Y

+15.3%XLF, at 15.0% volatility

SPYWorst drop−8.9%12.9% vol

XLFWorst drop−14.8%15.0% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

XLFSPY

+9.4%Year to date+13.3%

1.4%Yield1.0%

+15.3%Past year+13.4%

0.08%Fee0.09%

3–1XLF wins

End-of-day Nov 4, 2026

Popular Pairs Near These Two

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$185BAssets$798B

1–0SPYM wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$41.8BAssets$46.0B

1–1level

End-of-day Nov 4, 2026