KREvsXLFETF Comparison
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State Street SPDR S&P Regional Banking ETF (KRE) 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: and Financials. KRE is more expensive with a Total Expense Ratio (TER) of 0.35%, versus 0.08% for XLF. KRE is up 8.58% year-to-date (YTD) with -$249M in YTD flows. XLF performs worse with -4.94% YTD performance, and +$1.03B in YTD flows. Run a side-by-side ETF comparison of KRE 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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KRE vs XLF performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 04/27/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | KRE XLF | +10.43%+8.30% | +3.17%-1.80% | +8.58%-4.94% | +32.07%+9.08% | +82.05%+65.83% | +16.95%+57.67% |
| Flows | KRE XLF | -$401M+$136M | -$422M-$2.60B | -$249M+$1.03B | +$116M-$837M | -$97M+$2.14B | -$638M-$1.82B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | KRE XLF | +23.02%+17.57% | +23.75%+14.70% | +30.03%+16.18% | +30.10%+18.72% |
| Max drawdown | KRE XLF | -14.92%-11.42% | -14.92%-14.79% | -28.14%-15.51% | -52.80%-25.84% |
| Max drawdown duration | KRE XLF | 78d78d | 78d111d | 380d116d | 1477d770d |
Trading data
KRE | XLF | |
Last sale 4/28/2026 at 5:20 PM | $70.32 | $52.03 |
| Previous close 04/27/2026 | $70.07 | $51.81 |
| Consolidated volume 04/27/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of March 31, 2026
1-year trailing difference
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KRE | 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 4/28/2026 at 5:20 PM
Live
Closed
KRE | XLF | |
|---|---|---|
| Last price | $70.32 | $52.03 |
| 1D performance | +0.35% | +0.42% |
| AuM | $3.88 B | $51.19 B |
| E/R | 0.35% | 0.08% |
Characteristics
KRE | XLF | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | State Street Investment Management | State Street Investment Management |
| Benchmark | S&P Regional Banks Select Industry Index | S&P Financials Select Sector Index |
| N° of holdings | 140 | 75 |
| Asset class | Equities | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | June 19, 2006 | December 16, 1998 |
| ESG | No | No |
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Exposure
Countries
KRE
USA
95.48%
Other
4.52%
XLF
USA
95.93%
Other
4.07%
Sectors
KRE
Financials
93.43%
Other
6.57%
XLF
Financials
82.37%
Information Techn.
15.19%
Other
2.44%
Diversification
KRE
Total weight of top 15 holdings out of 15
22.64%
XLF
Total weight of top 15 holdings out of 15
65.62%
Top 15 holdings
Data as of March 31, 2026
KRE
US6494454001
1.55%
ZIONS
1.53%
BANK OZK
1.52%
TEXAS CAPITAL
1.52%
ASSOCIATED BANCORP
1.52%
POPULAR
1.52%
WINTRUST FINCL
1.51%
FNB
1.50%
VALLEY NATL BANCORP
1.50%
CULLEN FROST BANKERS
1.50%
CITIZENS FINANCIAL GROUP
1.50%
COLUMBIA BANKING SYSTEM
1.49%
ATLANTIC UNION BANKSHARES CORPORATION
1.49%
PROSPRTY BNCSHRS
1.49%
BOK FINANCIAL
1.49%
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 KRE and XLF
How have the KRE and XLF ETFs performed in 2026?
As of April 27, 2026, KRE is up 8.58% year-to-date (YTD), while XLF has lost -4.94%. That puts KRE better performer ahead so far this year.
Which ETF is attracting more investor money: KRE or XLF?
Year-to-date, the KRE ETF saw -$249M in flows, compared to +$1.03B for XLF.
Which ETF is more volatile: KRE or XLF?
Over the past year, KRE had a volatility of 23.75%, while XLF experienced 14.7%.
Which ETF is bigger: KRE or XLF?
As of April 27, 2026, KRE holds $3.88 B in assets under management (AUM), while XLF manages $51.19 B.
What sectors do the KRE and XLF ETFs invest in?
KRE leans toward sectors like Financials. Meanwhile, XLF focuses on Financials and Information Technology.
What are the top holdings of the KRE ETF and XLF ETF?
KRE top holdings include US6494454001, ZIONS and BANK OZK. XLF holds in its top three: BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION.
Which ETF is more diversified: KRE or XLF?
KRE holds 148 securities with 22.64% 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 KRE & XLF
Investing in Sector ETFs: Financials and Real Estate
September 11, 2024
XLF
May 2024 U.S. Sector ETFs Inflows and Outflows Breakdown
May 22, 2024
XLF
Financials Gain Momentum
March 25, 2024
KRE
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