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: Finance, Technology and Business Services. XLF is less expensive with a Total Expense Ratio (TER) of 0.08%, versus 0.37% for IYF. XLF is down -1.18% year-to-date (YTD) with -$1.82B in YTD flows. IYF performs better with -1.13% YTD performance, and -$278M 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 10/02/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | XLF IYF | -6.92%-7.23% | -3.58%-4.14% | -1.18%-1.13% | +1.81%+2.60% | +70.21%+78.45% | +53.86%+64.39% |
| Flows | XLF IYF | -$599M-$188M | -$1.63B-$90M | -$1.82B-$278M | -$3.63B-$265M | +$1.16B+$600M | -$3.44B+$385M |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | XLF IYF | +12.49%+12.68% | +14.70%+14.81% | +16.11%+16.79% | +18.35%+18.92% |
| Max drawdown | XLF IYF | -8.51%-9.30% | -14.79%-13.86% | -15.51%-16.50% | -25.84%-25.09% |
| Max drawdown duration | XLF IYF | 29d29d | 177d177d | 116d125d | 770d747d |
Trading data
XLF | IYF | |
Last sale 10/5/2026 at 1:30 PM | $53.88 | $126.85 |
| Previous close 10/02/2026 | $53.49 | $126.07 |
| Consolidated volume 10/02/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of September 30, 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 | ||
Main metrics
Last update 10/5/2026 at 1:30 PM
Live
Closed
XLF | IYF | |
|---|---|---|
| Last price | $53.88 | $126.85 |
| 1D performance | +0.73% | +0.62% |
| AuM | $50.00 B | $3.77 B |
| E/R | 0.08% | 0.37% |
Characteristics
XLF | IYF | |
|---|---|---|
| Management strategy | Passive | Passive |
| Provider | State Street Investment Management | iShares |
| Benchmark | S&P Financials Select Sector Index | Russell 1000 Financials 40 Act 15/22.5 Daily Capped Index |
| N° of holdings | 76 | 142 |
| 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
96.37%
Other
3.63%
IYF
USA
94.46%
Other
5.54%
Sectors
XLF
Finance
95.38%
Other
4.62%
IYF
Finance
94.49%
Other
5.51%
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Diversification
XLF
Total weight of top 15 holdings out of 15
65.62%
IYF
Total weight of top 15 holdings out of 15
57.2%
Top 15 holdings
Data as of August 31, 2026
XLF
JPMorgan Chase & Co.
11.70%
Berkshire Hathaway, Inc.
11.34%
Visa, Inc.
7.72%
Mastercard, Inc.
5.83%
Bank of America Corp.
4.96%
The Goldman Sachs Group, Inc.
3.69%
Wells Fargo & Co.
3.24%
Morgan Stanley
3.14%
Citigroup, Inc.
2.75%
The Charles Schwab Corp.
2.20%
American Express Co.
2.16%
BlackRock, Inc.
2.05%
Capital One Financial Corp.
1.64%
S&P Global, Inc.
1.62%
The Progressive Corp.
1.56%
IYF
JPMorgan Chase & Co.
11.22%
Berkshire Hathaway, Inc.
11.09%
Bank of America Corp.
4.34%
The Goldman Sachs Group, Inc.
3.96%
Wells Fargo & Co.
3.79%
Morgan Stanley
3.60%
Citigroup, Inc.
3.37%
The Charles Schwab Corp.
2.70%
BlackRock, Inc.
2.66%
S&P Global, Inc.
1.94%
The Progressive Corp.
1.92%
Chubb Ltd.
1.79%
The Bank of New York Mellon Corp.
1.67%
Blackstone, Inc.
1.61%
CME Group, Inc.
1.55%
Frequently asked questions about XLF and IYF
How have the XLF and IYF ETFs performed in 2026?
As of October 2, 2026, XLF is down -1.18% year-to-date (YTD), while IYF has lost -1.13%. 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 -$1.82B in flows, compared to -$278M for IYF.
Which ETF is more volatile: XLF or IYF?
Over the past year, XLF had a volatility of 14.7%, while IYF experienced 14.81%.
Which ETF is bigger: XLF or IYF?
As of October 2, 2026, XLF holds $50.00 B in assets under management (AUM), while IYF manages $3.77 B.
What sectors do the XLF and IYF ETFs invest in?
XLF leans toward sectors like Finance. Meanwhile, IYF focuses on Finance.
What are the top holdings of the XLF ETF and IYF ETF?
XLF top holdings include JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc.. IYF holds in its top three: JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Bank of America Corp..
Which ETF is more diversified: XLF or IYF?
XLF holds 76 securities with 65.62% of its assets in the top 15. IYF has 142 securities and a top 15 weight of 57.2%.
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Latest news about XLF & IYF
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August 31, 2026
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The Weekly ETF Market Monitor (August 17-21, 2026)
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May 2024 U.S. Sector ETFs Inflows and Outflows Breakdown
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