ETF·NYSE
State Street Financial Select Sector SPDR ETF (XLF)
- Net assets
- $50.97B
- Expense ratio
- 0.08%
- Yield
- 1.55%
- 52-week range
- $47.67 $60.04
XLF ETF outlook today
Where XLF stands today, and what CleaRank Financial AI makes of it.
XLF at a glance
State Street Financial Select Sector SPDR ETF (XLF): Strong Buy, 86/100 on CleaRank's AI score.
- Trend Up: the price is above both its 50- and 200-day moving averages ($55.92 and $53.87).
- Fund Expense ratio 0.08%, $51.0B in net assets, price up 10.0% over 1 year.
Figures as of November 10, 2026.
CleaRank Financial AI
CleaRank rates State Street Financial Select Sector SPDR ETF (XLF) Strong Buy, with a model score of 86/100.
Trend does the most to lift that score. The price is 8.21% above its 200-day average and 4.23% above its 50-day average, while the 50-day average runs 3.82% above the 200-day. The 50-day average is $55.92 and the 200-day is $53.87.
Only on CleaRank
Figures we compute ourselves from XLF's own price history. Tap one to see it in context.
XLF ETF price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
4/4Price above its 50-day average ›
The price of $58.29 is 4.2% above the 50-day simple moving average of $55.92.Price above its 200-day average ›
The price is 8.2% above the 200-day simple moving average of $53.87.50-day average above the 200-day ›
The 50-day average ($55.92) is 3.8% above the 200-day average ($53.87), the arrangement of a rising longer-term trend.In the upper half of its 52-week range ›
The price sits at 86% of its 52-week range, between $47.67 and $60.04.
XLF share price
Pick a period: each tab shows how far XLF has moved over it, to the last close.
Today's trading
Where XLF sits inside today's range and its 52-week range.
XLF fund facts and valuation
What the fund holds, what it costs and how it is valued.
Fund checks
4/5Expense ratio at or below 0.20% ›
The fund charges 0.08% a year, $8.00 on a $10,000 holding.Over $1B in net assets ›
Net assets total $51.0B.One sector above 35% of the fund ›
The largest sector, Financial Services, makes up 98.2% of the fund.Pays a distribution ›
The distribution yield is 1.55%.Price up over one year ›
The price rose 10.04% over the past year, before the fund's 1.55% distribution yield.
XLF Fund Facts
State Street Financial Select Sector SPDR ETF is an exchange-traded fund that provides targeted exposure to large U.S. financial companies. It seeks to track the S&P Financial Select Sector Index, giving investors access to banks, insurance providers, capital markets firms, asset managers, payment networks, consumer finance businesses, and other financial services companies.
Sector weights
Total returns to Sep 30, 2026, as the fund family reports them
| Period | XLF |
|---|---|
| YTD | -1.36% |
| 1 month | -7.17% |
| 3 months | -0.14% |
| 1 year | 0.61% |
| 3 years | 18.99% |
| 5 years | 9.14% |
| 10 years | 12.76% |
As of Nov 11, 2026, XLF has an expense ratio of 0.08%, $50.97B in net assets and a distribution yield of 1.55%.
Fund reference data as of Nov 11, 2026. Expense ratio and net assets are reported by the fund. The trailing returns are the fund family's own month-end total returns, to Sep 30, 2026, with distributions included, so they can differ from the price changes elsewhere on this page.
Key statistics
The headline figures for XLF.
What the numbers say
CleaRank Financial AI's reading of XLF's holdings, performance and risks.
XLF is a Financial fund from State Street Investment Management, launched on December 16, 1998. Financial Services makes up 98.2% of the fund, well ahead of Technology at 1.6%. Because nearly all of the holdings sit in that one sector, XLF tends to move in step with it.
A yearly fee of 0.08% applies to a stake in XLF, which comes to $8.00 on each $10,000 held. The fund's net assets come to $51.0B, and its distribution yield is 1.55%. Portfolio turnover is 6%.
With 98.2% of its holdings in Financial Services, the fund depends heavily on one sector. XLF's typical daily move is 1.15%.
XLF AI analysis and technical indicators
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
3/3RSI not overbought or oversold ›
The 14-day RSI is 61.0, showing bullish momentum without being overbought.RSI above 50 ›
An RSI of 61.0 is above the 50 midpoint, so buyers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is positive, so the 12-day average is above the 26-day average.
CleaRank Financial AI analysis of XLF
The score, the reasoning behind it, and what could move the price next.
State Street Financial Select Sector SPDR ETF (XLF) has an uptrend in place. The price of $58.29 sits 8.21% above its 200-day average of $53.87 and 4.23% above its 50-day average of $55.92. Near the top of its 52-week range, the price is 2.91% below the high of $60.04 and 22.28% above the low of $47.67. The 50-day average is 3.82% above the 200-day average, so the two averages also point up together.
The 14-day RSI of 61.0 is in the bullish zone, below the overbought line, and the MACD line is positive. The recent returns are all positive: the price rose 0.85% over the past three months, rose 13.01% over the past six months and rose 10.04% over the past year.
- Keep an eye on the two closest levels: the 52-week high at $60.04, which sits above the price, and the 20-day EMA at $56.80, which sits below it.
- The 14-day RSI reads 61.0, in the bullish zone, with the MACD line positive; readings above 70 or below 30 mark stretched momentum.
- Fees add up over time. XLF's expense ratio of 0.08% a year works out to $8.00 on every $10,000 invested.
XLF's uptrend depends on the price holding above its 50-day average of $55.92 and its 200-day average of $53.87. A close below the 50-day average would be the first sign of that trend weakening. If the price pulls back, the first level it would reach is the 20-day EMA at $56.80.
The 52-week high at $60.04 is the next level overhead. Momentum, with the RSI in the bullish zone, still backs the move.
Technical indicators
Momentum and trend for XLF, from its daily closes.
As of November 10, 2026, with XLF at $58.29, its 14-day RSI is 61.0 (showing bullish momentum without being overbought), its 50-day simple moving average is $55.92 and its 200-day is $53.87.
Calculated by CleaRank on daily closes as of November 10, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26). How we calculate these
What XLF moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of November 10, 2026, XLF's 1-year correlation of daily returns is +0.72 with S&P 500 (SPY), +0.53 with Nasdaq 100 (QQQ), +0.30 with Bitcoin (BTC) and +0.05 with gold (XAU).
XLF risk and volatility
How much it moves day to day, and how it stacks up against similar assets.
Risk profile
How much XLF tends to move, against the market and on its own.
XLF price history and drawdowns
XLF's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
3/4Typical daily move under 2% ›
A typical daily move is 1.15% (the standard deviation of the last 30 daily returns).Recovered from its worst fall ›
The worst fall was 42.9%, from February 2020 to March 2020, regained by January 2021.Most 1-year holds ended higher ›
71% of 1-year holding periods in the last 10 years ended with a gain.Trailed the S&P 500 since December 2016 ›
$10,000 invested in December 2016 is now worth $30,565, against $39,967 in the S&P 500 (SPY).
XLF Drawdowns & Recovery
As of November 10, 2026, XLF's worst peak-to-trough fall over the last 10 years with dividends reinvested was -42.9% (February 2020 to March 2020); it regained that peak by January 2021, 10 months after the low, and 71% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into XLF in December 2016 is worth now, against the same amount in the S&P 500.
Against the market: XLF trailed the S&P 500 over this period: $30,565 against $39,967.
A $10,000 investment in XLF in December 2016 would be worth about $30,565 today with dividends reinvested, compared with about $39,967 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to XLF, and which have not.
Strongest month, November: an average of +6.20%, up in 8 of 9 years.
Weakest month, March: an average of -4.51%, up in 3 of 10 years.
This month, November: has averaged +6.20%, up in 8 of 9 years. Past seasonality does not repeat on schedule.
Across 10 calendar years of history, XLF's strongest calendar month has been November (average +6.20%, up in 8 of 9 years) and its weakest March (average -4.51%, up in 3 of 10 years).
Average return for each calendar month across 10 calendar years of history, from weekly closing prices with dividends included.
XLF long-term scenarios 2030
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in XLF, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 4-year Monte Carlo simulation, based on 10 years of price history, projects that a $10,000 investment in XLF today could grow to about $13,550 by 2030 in the base case, with a 90th-percentile outcome near $23,922 and a 10th-percentile outcome around $7,675. The simulation models price only; at today's 1.55% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
XLF 2030 Scenarios (Monte Carlo)
The same simulation in prices, year by year.
CleaRank's simulation projects a price near $78.98 for XLF by 2030 in the base case, from $58.29 today (1.4x over 4 years). The 10th-percentile path ends near $44.74. These are outcomes of a Monte Carlo simulation run on XLF's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $47.33 | $62.89 | $83.56 | |
| 2028 | $45.39 | $67.85 | $101 | |
| 2029 | $44.74 | $73.21 | $120 | |
| 2030 | $44.74 | $78.98 | $139 |
Method: a lognormal simulation of XLF's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles. How the simulation works
XLF ETF outlook: questions people ask
Answered from the figures on this page, as of November 10, 2026.