XLFvsIYFETF Comparison
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State Street Financial Select Sector SPDR ETF (XLF) and iShares U.S. Financials ETF (IYF) belong to the same industry segment: US Financials. Both ETFs have the same top 3 sector exposures: Financials and Information Technology. XLF is less expensive with a Total Expense Ratio (TER) of 0.08%, versus 0.38% for IYF. XLF is down -8.45% year-to-date (YTD) with +$796M in YTD flows. IYF performs better with -7.12% YTD performance, and -$560M in YTD flows. Run a side-by-side ETF comparison of XLF and IYF 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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XLF vs IYF performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 04/06/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | XLF IYF | -0.90%-0.42% | -11.12%-9.97% | -8.45%-7.12% | +14.79%+21.51% | +63.66%+76.83% | +56.78%+68.84% |
| Flows | XLF IYF | +$1.42B-$347M | +$575M-$553M | +$796M-$560M | -$2.67B-$595M | +$3.37B+$217M | -$2.52B+$20M |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | XLF IYF | +17.60%+17.57% | +17.16%+17.34% | +16.16%+16.98% | +18.72%+19.02% |
| Max drawdown | XLF IYF | -14.79%-13.86% | -14.79%-13.86% | -15.51%-16.50% | -25.84%-25.09% |
| Max drawdown duration | XLF IYF | 90d90d | 90d90d | 116d125d | 770d747d |
Trading data
XLF | IYF | |
Last sale 4/7/2026 at 1:30 PM | $49.88 | $119.27 |
| Previous close 04/06/2026 | $49.88 | $119.14 |
| Consolidated volume 04/06/2026 | ||
| 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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XLF | IYF | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 4/7/2026 at 1:30 PM
Live
Closed
XLF | IYF | |
|---|---|---|
| Last price | $49.88 | $119.27 |
| 1D performance | +0.00% | +0.11% |
| AuM | $49.09 B | $3.29 B |
| E/R | 0.08% | 0.38% |
Characteristics
XLF | IYF | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | SPDR | iShares |
| Benchmark | S&P Financials Select Sector Index | Russell 1000 Financials 40 Act 15/22.5 Daily Capped Index |
| N° of holdings | 75 | 133 |
| Asset class | Equities | Equities |
| Trailing 12m distribution yield | Join | Join |
| Inception date | December 16, 1998 | May 22, 2000 |
| ESG | No | No |
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Exposure
Countries
XLF
USA
95.8%
Other
4.2%
IYF
USA
93.42%
Other
6.58%
Sectors
XLF
Financials
81.96%
Information Techn.
15.36%
Other
2.68%
IYF
Financials
95.69%
Other
4.31%
Diversification
XLF
Total weight of top 15 holdings out of 15
65.36%
IYF
Total weight of top 15 holdings out of 15
57.85%
Top 15 holdings
Data as of February 28, 2026
XLF
BERKSHIRE HATHWAY
12.56%
JPMORGAN CHASE
11.09%
VISA INCORPORATION
7.33%
MASTERCARD
5.75%
BK OF AMERICA CO
4.54%
THE GOLDMAN SACHS GROUP
3.48%
WELLS FARGO
3.47%
MORGAN STANLEY
2.73%
CITIGROUP
2.67%
AMERICAN EXPRESS
2.25%
CHARLES SCHWAB
2.16%
US09290D1019
2.08%
S&P GLOBAL INC
1.86%
PROGRESSIVE
1.70%
CHUBB LTD
1.69%
IYF
BERKSHIRE HATHWAY
12.09%
JPMORGAN CHASE
10.90%
BK OF AMERICA CO
4.42%
THE GOLDMAN SACHS GROUP
4.13%
WELLS FARGO
3.90%
CITIGROUP
3.25%
MORGAN STANLEY
3.22%
CHARLES SCHWAB
2.62%
US09290D1019
2.62%
S&P GLOBAL INC
2.09%
PROGRESSIVE
1.96%
CHUBB LTD
1.95%
CME GROUP
1.79%
INTERCONTINENTAL EXCHANGE INC
1.47%
MARSH AND MCLENNAN
1.44%
Frequently asked questions about XLF and IYF
How have the XLF and IYF ETFs performed in 2026?
As of April 6, 2026, XLF is down -8.45% year-to-date (YTD), while IYF has lost -7.12%. That puts IYF better performer ahead so far this year.
Which ETF is attracting more investor money: XLF or IYF?
Year-to-date, the XLF ETF saw +$796M in flows, compared to -$560M for IYF.
Which ETF is more volatile: XLF or IYF?
Over the past year, XLF had a volatility of 17.16%, while IYF experienced 17.34%.
Which ETF is bigger: XLF or IYF?
As of April 6, 2026, XLF holds $49.09 B in assets under management (AUM), while IYF manages $3.29 B.
What sectors do the XLF and IYF ETFs invest in?
XLF leans toward sectors like Financials and Information Technology. Meanwhile, IYF focuses on Financials.
What are the top holdings of the XLF ETF and IYF ETF?
XLF top holdings include BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION. IYF holds in its top three: BERKSHIRE HATHWAY, JPMORGAN CHASE and BK OF AMERICA CO.
Which ETF is more diversified: XLF or IYF?
XLF holds 76 securities with 65.36% of its assets in the top 15. IYF has 141 securities and a top 15 weight of 57.85%.
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