TFNSvsXLFETF Comparison
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T. Rowe Price Financials ETF (TFNS) and State Street Financial Select Sector SPDR ETF (XLF) belong to the same industry segment: US Financials. TFNS's top 3 sector exposures are Financials, Information Technology and Industrials. In contrast, XLF's top sector exposures are Financials, Information Technology TFNS is more expensive with a Total Expense Ratio (TER) of 0.44%, versus 0.08% for XLF. TFNS is down -3.17% year-to-date (YTD) with +$1M in YTD flows. XLF performs worse with -5.56% YTD performance, and +$1.18B in YTD flows. Run a side-by-side ETF comparison of TFNS 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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TFNS vs XLF performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 04/22/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | TFNS XLF | +6.36%+4.42% | -2.03%-3.16% | -3.17%-5.56% | n/a+8.27% | n/a+62.88% | n/a+58.07% |
| Flows | TFNS XLF | +$1M+$1.86B | +$1M-$2.30B | +$1M+$1.18B | --$624M | -+$2.72B | --$1.59B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | TFNS XLF | +18.45%+17.57% | n/a+14.66% | n/a+16.22% | n/a+18.72% |
| Max drawdown | TFNS XLF | -11.85%-11.42% | n/a-14.79% | n/a-15.51% | n/a-25.84% |
| Max drawdown duration | TFNS XLF | 73d75d | n/a108d | n/a116d | n/a770d |
Trading data
TFNS | XLF | |
Last sale 4/24/2026 at 1:30 PM | $26.25 | $51.42 |
| Previous close 04/23/2026 | $26.42 | $51.80 |
| Consolidated volume 04/23/2026 | ||
| 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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TFNS
is actively managed and doesn’t replicate an indexTFNS | 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 4/24/2026 at 1:30 PM
Live
Closed
TFNS | XLF | |
|---|---|---|
| Last price | $26.25 | $51.42 |
| 1D performance | -0.63% | -0.73% |
| AuM | $13.30 M | $51.01 B |
| E/R | 0.44% | 0.08% |
Characteristics
TFNS | XLF | |
|---|---|---|
| Management strategy | Active | Passive |
| Provider | T. Rowe Price | State Street Investment Management |
| Benchmark | - | S&P Financials Select Sector Index |
| N° of holdings | 68 | 75 |
| Asset class | - | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | June 11, 2025 | December 16, 1998 |
| ESG | No | No |
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Exposure
Countries
TFNS
USA
89.66%
Other
10.34%
XLF
USA
95.93%
Other
4.07%
Sectors
TFNS
Financials
80.11%
Information Techn.
15.35%
Other
4.54%
XLF
Financials
82.37%
Information Techn.
15.19%
Other
2.44%
Diversification
TFNS
Total weight of top 15 holdings out of 15
62.9%
XLF
Total weight of top 15 holdings out of 15
65.62%
Top 15 holdings
Data as of March 31, 2026
TFNS
BERKSHIRE HATHWAY
10.27%
VISA INCORPORATION
6.72%
MASTERCARD
6.10%
JPMORGAN CHASE
4.94%
BK OF AMERICA CO
4.92%
CITIGROUP
4.11%
CHARLES SCHWAB
4.00%
THE GOLDMAN SACHS GROUP
3.91%
WELLS FARGO
3.08%
MORGAN STANLEY
2.96%
CAPITAL ONE FINANCIAL
2.94%
CHUBB LTD
2.87%
MARSH AND MCLENNAN
2.24%
US
2.11%
ALLSTATE
1.73%
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 TFNS and XLF
How have the TFNS and XLF ETFs performed in 2026?
As of April 22, 2026, TFNS is down -3.17% year-to-date (YTD), while XLF has lost -5.56%. That puts TFNS better performer ahead so far this year.
Which ETF is attracting more investor money: TFNS or XLF?
Year-to-date, the TFNS ETF saw +$1M in flows, compared to +$1.18B for XLF.
Which ETF is bigger: TFNS or XLF?
As of April 22, 2026, TFNS holds $13.30 M in assets under management (AUM), while XLF manages $51.01 B.
What sectors do the TFNS and XLF ETFs invest in?
TFNS leans toward sectors like Financials and Information Technology. Meanwhile, XLF focuses on Financials and Information Technology.
What are the top holdings of the TFNS ETF and XLF ETF?
TFNS top holdings include BERKSHIRE HATHWAY, VISA INCORPORATION and MASTERCARD. XLF holds in its top three: BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION.
Which ETF is more diversified: TFNS or XLF?
TFNS holds 69 securities with 62.9% 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 TFNS & XLF
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Tony's ETF Buyer's Guide: Sector ETFs (Vanguard versus State Street SPDR)
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