IYFvsXLFETF Comparison
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iShares U.S. Financials ETF (IYF) and State Street Financial Select Sector SPDR ETF (XLF) belong to the same industry segment: US Financials. Both ETFs have the same top 3 sector exposures: Financials and Information Technology. IYF is more expensive with a Total Expense Ratio (TER) of 0.38%, versus 0.08% for XLF. IYF is down -3.42% year-to-date (YTD) with -$597M in YTD flows. XLF performs worse with -4.68% YTD performance, and +$1.54B in YTD flows. Run a side-by-side ETF comparison of IYF and XLF below, and assess how they stack up in performance, liquidity, risk, exposure, holdings, and more, helping you select the best ETF for your investments.
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IYF vs XLF performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 05/01/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | IYF XLF | +4.94%+5.16% | -3.20%-3.33% | -3.42%-4.68% | +13.81%+8.17% | +77.88%+64.73% | +67.03%+55.44% |
| Flows | IYF XLF | -$85M+$1.56B | -$689M-$1.96B | -$597M+$1.54B | -$317M-$901M | +$198M+$2.66B | -$95M-$1.98B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | IYF XLF | +17.70%+17.31% | +14.79%+14.65% | +16.96%+16.15% | +19.04%+18.70% |
| Max drawdown | IYF XLF | -11.62%-11.42% | -13.86%-14.79% | -16.50%-15.51% | -25.09%-25.84% |
| Max drawdown duration | IYF XLF | 82d82d | 115d115d | 125d116d | 747d770d |
Trading data
IYF | XLF | |
Last sale 5/1/2026 at 1:30 PM | $123.88 | $51.92 |
| Previous close 05/01/2026 | $124.34 | $52.13 |
| Consolidated volume 05/01/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of April 30, 2026
1-year trailing difference
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IYF | XLF | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 5/1/2026 at 1:30 PM
Live
Closed
IYF | XLF | |
|---|---|---|
| Last price | $123.88 | $51.92 |
| 1D performance | -0.37% | -0.40% |
| AuM | $3.39 B | $51.85 B |
| E/R | 0.38% | 0.08% |
Characteristics
IYF | XLF | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | iShares | State Street Investment Management |
| Benchmark | Russell 1000 Financials 40 Act 15/22.5 Daily Capped Index | S&P Financials Select Sector Index |
| N° of holdings | 134 | 75 |
| Asset class | Equities | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | May 22, 2000 | December 16, 1998 |
| ESG | No | No |
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Exposure
Countries
IYF
USA
93.24%
Other
6.76%
XLF
USA
95.93%
Other
4.07%
Sectors
IYF
Financials
95.76%
Other
4.24%
XLF
Financials
82.37%
Information Techn.
15.19%
Other
2.44%
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Diversification
IYF
Total weight of top 15 holdings out of 15
57.58%
XLF
Total weight of top 15 holdings out of 15
65.62%
Top 15 holdings
Data as of March 31, 2026
IYF
BERKSHIRE HATHWAY
11.62%
JPMORGAN CHASE
10.67%
BK OF AMERICA CO
4.50%
WELLS FARGO
4.03%
THE GOLDMAN SACHS GROUP
4.03%
CITIGROUP
3.35%
MORGAN STANLEY
3.18%
CHARLES SCHWAB
2.68%
US09290D1019
2.50%
S&P GLOBAL INC
2.20%
CHUBB LTD
2.03%
PROGRESSIVE
1.98%
CME GROUP
1.81%
INTERCONTINENTAL EXCHANGE INC
1.53%
BLACKSTONE GROUP
1.46%
XLF
BERKSHIRE HATHWAY
12.46%
JPMORGAN CHASE
11.24%
VISA INCORPORATION
7.20%
MASTERCARD
5.77%
BK OF AMERICA CO
4.59%
THE GOLDMAN SACHS GROUP
3.60%
WELLS FARGO
3.49%
CITIGROUP
2.81%
MORGAN STANLEY
2.81%
AMERICAN EXPRESS
2.30%
CHARLES SCHWAB
2.23%
US09290D1019
1.97%
S&P GLOBAL INC
1.84%
CHUBB LTD
1.68%
PROGRESSIVE
1.65%
Frequently asked questions about IYF and XLF
How have the IYF and XLF ETFs performed in 2026?
As of May 1, 2026, IYF is down -3.42% year-to-date (YTD), while XLF has lost -4.68%. That puts IYF better performer ahead so far this year.
Which ETF is attracting more investor money: IYF or XLF?
Year-to-date, the IYF ETF saw -$597M in flows, compared to +$1.54B for XLF.
Which ETF is more volatile: IYF or XLF?
Over the past year, IYF had a volatility of 14.79%, while XLF experienced 14.65%.
Which ETF is bigger: IYF or XLF?
As of May 1, 2026, IYF holds $3.39 B in assets under management (AUM), while XLF manages $51.85 B.
What sectors do the IYF and XLF ETFs invest in?
IYF leans toward sectors like Financials. Meanwhile, XLF focuses on Financials and Information Technology.
What are the top holdings of the IYF ETF and XLF ETF?
IYF top holdings include BERKSHIRE HATHWAY, JPMORGAN CHASE and BK OF AMERICA CO. XLF holds in its top three: BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION.
Which ETF is more diversified: IYF or XLF?
IYF holds 142 securities with 57.58% of its assets in the top 15. XLF has 76 securities and a top 15 weight of 65.62%.
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Latest news about IYF & XLF
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