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XLFvsTFNSETF Comparison
State Street Financial Select Sector SPDR ETF (XLF) and T. Rowe Price Financials ETF (TFNS) 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 0.44% for TFNS. XLF is down -9.32% year-to-date (YTD) with -$1.37B in YTD flows. TFNS performs better with -7.97% YTD performance, and -$12K 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.
XLF vs TFNS performance and flow charts
Performance
Cumulative Flows
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | XLF TFNS | -5.86%-7.23% | -9.19%-6.12% | -9.32%-7.97% | +5.75%n/a | +64.81%n/a | +57.28%n/a |
| Flows | XLF TFNS | -$4.11B- | -$1.61B-$12K | -$1.37B-$12K | -$4.40B- | +$1.23B- | -$3.60B- |
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | XLF TFNS | +16.57%+17.35% | +19.27%n/a | +16.45%n/a | +18.72%n/a |
| Max drawdown | XLF TFNS | -11.97%-10.58% | -12.83%n/a | -15.51%n/a | -25.84%n/a |
| Max drawdown duration | XLF TFNS | 64d63d | 45dn/a | 116dn/a | 770dn/a |
XLF | TFNS | |
Last sale 3/11/2026 at 1:30 PM | $49.64 | $25.06 |
| Previous close 03/11/2026 | $50.06 | $25.28 |
| Consolidated volume 03/11/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
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XLF | TFNS | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
XLF | TFNS | |
|---|---|---|
| Last price | $49.64 | $25.06 |
| 1D performance | -0.84% | -0.83% |
| AuM | $46.71 B | $11.38 M |
| E/R | 0.08% | 0.44% |
XLF | TFNS | |
|---|---|---|
| Management strategy | Passive | Active |
| Provider | SPDR | T. Rowe Price |
| Benchmark | S&P Financials Select Sector Index | - |
| N° of holdings | 75 | 66 |
| Asset class | Equities | - |
| Trailing 12m distribution yield | Join | Join |
| Inception date | December 16, 1998 | June 11, 2025 |
| ESG | No | No |
Countries
Sectors
Diversification
Total weight of top 15 holdings out of 15
Total weight of top 15 holdings out of 15
Top 15 holdings
How have the XLF and TFNS ETFs performed in 2026?
As of March 11, 2026, XLF is down -9.32% year-to-date (YTD), while TFNS has lost -7.97%. 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 -$1.37B in flows, compared to -$12K for TFNS.
Which ETF is bigger: XLF or TFNS?
As of March 11, 2026, XLF holds $46.71 B in assets under management (AUM), while TFNS manages $11.38 M.
What sectors do the XLF and TFNS ETFs invest in?
XLF leans toward sectors like Financials and Information Technology. Meanwhile, TFNS focuses on Financials and Information Technology.
What are the top holdings of the XLF ETF and TFNS ETF?
XLF top holdings include BERKSHIRE HATHWAY, JPMORGAN CHASE and VISA INCORPORATION. TFNS holds in its top three: BERKSHIRE HATHWAY, VISA INCORPORATION and MASTERCARD.
Which ETF is more diversified: XLF or TFNS?
XLF holds 76 securities with 65.26% of its assets in the top 15. TFNS has 67 securities and a top 15 weight of 59.53%.
Investing in Sector ETFs: Financials and Real Estate
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Tony's ETF Buyer's Guide: Sector ETFs (Vanguard versus State Street SPDR)
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