XLFvsTFNSETF Comparison
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State Street Financial Select Sector SPDR ETF (XLF) and T. Rowe Price Financials ETF (TFNS) belong to the same industry segment: US Financials. XLF's top 3 sector exposures are Finance, Technology and Business Services. In contrast, TFNS's top sector exposures are Finance, Business Services and Technology. XLF is less expensive with a Total Expense Ratio (TER) of 0.08%, versus 0.44% for TFNS. XLF is up 5.52% year-to-date (YTD) with -$718M in YTD flows. TFNS performs better with 8.73% YTD performance, and +$6M in YTD flows. Run a side-by-side ETF comparison of XLF and TFNS 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 TFNS performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 09/08/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | XLF TFNS | -0.92%+0.84% | +10.58%+12.50% | +5.52%+8.73% | +9.58%+14.29% | +75.01%n/a | +65.51%n/a |
| Flows | XLF TFNS | -$3.74B+$2M | +$370M+$5M | -$718M+$6M | -$3.41B+$8M | +$904M- | -$3.48B- |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | XLF TFNS | +13.02%+13.05% | +14.54%+14.92% | +16.11%n/a | +18.44%n/a |
| Max drawdown | XLF TFNS | -2.28%-2.55% | -14.79%-13.97% | -15.51%n/a | -25.84%n/a |
| Max drawdown duration | XLF TFNS | 11d17d | 177d176d | 116dn/a | 770dn/a |
Trading data
XLF | TFNS | |
Last sale 9/9/2026 at 1:30 PM | $57.06 | $29.31 |
| Previous close 09/08/2026 | $57.30 | $29.43 |
| Consolidated volume 09/08/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of August 31, 2026
1-year trailing difference
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TFNS
is actively managed and doesn’t replicate an indexXLF | TFNS | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 9/9/2026 at 1:30 PM
Live
Closed
XLF | TFNS | |
|---|---|---|
| Last price | $57.06 | $29.31 |
| 1D performance | -0.42% | -0.40% |
| AuM | $54.74 B | $20.16 M |
| E/R | 0.08% | 0.44% |
Characteristics
XLF | TFNS | |
|---|---|---|
| Management strategy | Passive | Active |
| Provider | State Street Investment Management | T. Rowe Price |
| Benchmark | S&P Financials Select Sector Index | - |
| N° of holdings | 76 | 83 |
| Asset class | Equities | - |
| Trailing 12m distribution yield | Join | Join |
| Inception date | December 16, 1998 | June 11, 2025 |
| ESG | No | No |
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Exposure
Countries
XLF
USA
96.29%
Other
3.71%
TFNS
USA
90.56%
Other
9.44%
Sectors
XLF
Finance
95.61%
Other
4.39%
TFNS
Finance
94.54%
Other
5.46%
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Diversification
XLF
Total weight of top 15 holdings out of 15
65.74%
TFNS
Total weight of top 15 holdings out of 15
59.8%
Top 15 holdings
Data as of July 31, 2026
XLF
JPMorgan Chase & Co.
11.72%
Berkshire Hathaway, Inc.
11.66%
Visa, Inc.
7.56%
Mastercard, Inc.
5.75%
Bank of America Corp.
5.03%
The Goldman Sachs Group, Inc.
3.74%
Wells Fargo & Co.
3.29%
Morgan Stanley
3.14%
Citigroup, Inc.
2.79%
American Express Co.
2.23%
The Charles Schwab Corp.
2.14%
BlackRock, Inc.
1.96%
Capital One Financial Corp.
1.62%
Chubb Ltd.
1.57%
S&P Global, Inc.
1.55%
TFNS
Berkshire Hathaway, Inc.
9.52%
Visa, Inc.
6.81%
Mastercard, Inc.
6.19%
JPMorgan Chase & Co.
4.43%
Wells Fargo & Co.
4.31%
Bank of America Corp.
4.22%
The Goldman Sachs Group, Inc.
3.68%
The Charles Schwab Corp.
3.50%
Citigroup, Inc.
3.17%
Capital One Financial Corp.
2.86%
Morgan Stanley
2.68%
Chubb Ltd.
2.50%
BlackRock, Inc.
2.29%
Marsh & McLennan Cos., Inc.
2.06%
U.S. Bancorp
1.57%
Frequently asked questions about XLF and TFNS
How have the XLF and TFNS ETFs performed in 2026?
As of September 8, 2026, XLF is up 5.52% year-to-date (YTD), while TFNS has returned 8.73%. That puts TFNS better performer ahead so far this year.
Which ETF is attracting more investor money: XLF or TFNS?
Year-to-date, the XLF ETF saw -$718M in flows, compared to +$6M for TFNS.
Which ETF is more volatile: XLF or TFNS?
Over the past year, XLF had a volatility of 14.54%, while TFNS experienced 14.92%.
Which ETF is bigger: XLF or TFNS?
As of September 8, 2026, XLF holds $54.74 B in assets under management (AUM), while TFNS manages $20.16 M.
What sectors do the XLF and TFNS ETFs invest in?
XLF leans toward sectors like Finance. Meanwhile, TFNS focuses on Finance.
What are the top holdings of the XLF ETF and TFNS ETF?
XLF top holdings include JPMorgan Chase & Co., Berkshire Hathaway, Inc. and Visa, Inc.. TFNS holds in its top three: Berkshire Hathaway, Inc., Visa, Inc. and Mastercard, Inc..
Which ETF is more diversified: XLF or TFNS?
XLF holds 76 securities with 65.74% of its assets in the top 15. TFNS has 83 securities and a top 15 weight of 59.8%.
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Latest news about XLF & TFNS
The Weekly ETF Market Monitor (August 24-28, 2026)
August 31, 2026
XLF
The Weekly ETF Market Monitor (August 17-21, 2026)
August 24, 2026
XLF
Investing in Sector ETFs: Financials and Real Estate
September 11, 2024
XLF
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May 2024 U.S. Sector ETFs Inflows and Outflows Breakdown
May 22, 2024
XLF
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