ATLASState Street Financial Select Sector SPDR ETF (XLF): outlook, holdings and fees
State Street Financial Select Sector SPDR ETF (XLF) is an exchange-traded fund and is managed by State Street Investment Management. The expense ratio is 0.09% and the yield is 1.50%. The ten largest holdings are 59% of the fund.
Fund data as of Oct 14, 2026 · Price Nov 2, 2026
ATLAS view on XLF
| Last price | $57.55 (+1.8%) |
|---|---|
| ATLAS chance of a higher price in 1 month | 55% |
| Likely 1-month range (50%) | $56.39 – $59.32 |
| Normal 1-day range (±1σ) | ±0.9% |
| Distribution yield | 1.50% |
ATLAS probabilities use the same calibrated model as every stock page. A fair value is shown for companies, not funds; the holdings below link to the fair value of each company.
XLF fund facts
| Issuer | State Street Investment Management |
|---|---|
| Theme | Financials |
| Assets under management | $51.7B |
| Expense ratio | 0.09% |
| Number of holdings | 50 |
| Portfolio turnover | 22% |
| Inception | Dec 16, 1998 |
| Exchange | NYSE |
The fund generally invests substantially all, but at least 95%, of its total assets in the securities comprising the index. The index includes companies that have been identified as Financial companies by the Global Industry Classification Standard, including securities of companies from the following industries: financial services; insurance; banks; capital markets; mortgage real estate investment trusts; and consumer finance. The fund is non-diversified.
XLF top holdings
| Holding | Sector | Weight |
|---|---|---|
| Berkshire Hathaway Inc BRK-B | Financial Services | 12.75% |
| JPMorgan Chase & Co JPM | Financial Services | 11.67% |
| Visa Inc. Class A V | Financial Services | 8.70% |
| Mastercard Inc MA | Financial Services | 6.31% |
| Bank of America Corp BAC | Financial Services | 4.64% |
| Goldman Sachs Group Inc GS | Financial Services | 3.42% |
| Wells Fargo & Company WFC | Financial Services | 3.21% |
| Morgan Stanley MS | Financial Services | 3.04% |
| Citigroup Inc. C | Financial Services | 2.91% |
| American Express Company AXP | Financial Services | 2.07% |
Holdings with an ATLAS page link to their probability range, fair value and earnings calendar.
XLF sector breakdown
| Sector | Weight |
|---|---|
| Financial Services | 98.2% |
| Technology | 1.6% |
| Industrials | 0.3% |
By region: North America 98.5%, Europe Developed 1.5%.
XLF returns and risk
| Year to date | +1.2% |
|---|---|
| 1 year | +4.1% |
| 3 years (annualised) | +20.8% |
| 5 years (annualised) | +8.7% |
| 10 years (annualised) | +12.6% |
| Volatility (3 years) | 14.7% |
| Sharpe ratio (3 years) | 0.93 |
Past returns do not guarantee future results.
XLF: frequently asked questions
What does XLF invest in?
State Street Financial Select Sector SPDR ETF invests in a portfolio of securities. Its largest holdings are Berkshire Hathaway Inc (12.8%), JPMorgan Chase & Co (11.7%), Visa Inc. Class A (8.7%), Mastercard Inc (6.3%), Bank of America Corp (4.6%).
What is the XLF expense ratio?
0.09% a year: about $9.00 for every $10,000 invested.
What is the XLF dividend yield?
1.50%. ATLAS does not hold the exact distribution dates for ETFs.
Will XLF go up?
Nobody can know. The ATLAS model puts the chance of a higher price in one month at 55%, with a likely range (50%) of $56.39 to $59.32 from $57.55 today. It is a probability, not a prediction.
How has XLF performed?
Year to date +1.2%, one year +4.1%, three years +20.8% a year, five years +8.7% a year. Past returns do not guarantee future results.
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Educational information, not investment advice. Disclaimer