Financial Select Sector SPDR ETF
Data as of October 30, 2026. XLF closed at $56.51.
XLF holds the financial companies in the S&P 500, including banks, insurers, asset managers, and payment networks. It is a sector fund rather than an income fund: the yield is modest and the return depends on the credit cycle.
| Issuer | State Street Investment Management |
|---|---|
| Strategy | Tracks the Financial Select Sector Index |
| Category | Sector |
| Inception | December 16, 1998 |
| Annualized total return | +0.6% over one year, +19.0% a year over three years, +9.1% a year over five years |
| Main risk | Financials are cyclical and can fall hard in a credit crisis. |
| Year | Paid per share | Change |
|---|---|---|
| 2026 (to date) | $0.64 | — |
| 2025 | $0.72 | +4.3% |
| 2024 | $0.69 | +7.8% |
| 2023 | $0.64 | -8.6% |
| 2022 | $0.70 | +9.4% |
| 2021 | $0.64 | — |
| Recent ex-date | Amount |
|---|---|
| September 21, 2026 | $0.197 |
| June 22, 2026 | $0.187 |
| March 23, 2026 | $0.251 |
| December 22, 2025 | $0.191 |
| September 22, 2025 | $0.178 |
| June 23, 2025 | $0.172 |
Per-share cash distributions, adjusted for splits. Includes special and capital-gains distributions. Confirm exact amounts with State Street Investment Management.
| Holding | Weight |
|---|---|
| Berkshire Hathaway Inc Class B | 12.3% |
| JPMorgan Chase & Co | 11.7% |
| Visa Inc Class A | 8.1% |
| Mastercard Inc Class A | 5.9% |
| Bank of America Corp | 4.7% |
| The Goldman Sachs Group Inc | 3.5% |
| Wells Fargo & Co | 3.2% |
| Morgan Stanley | 3.0% |
| Citigroup Inc | 2.9% |
| American Express Co | 2.1% |
| Ticker | Yield | Expense Ratio | Pays | 1Y Return | 3Y Return |
|---|---|---|---|---|---|
| DVY | 3.29% | 0.38% | Quarterly | +10.8% | +16.3% |
| VYM | 2.25% | 0.04% | Quarterly | +12.7% | +17.7% |
| VFH | 1.71% | 0.09% | Quarterly | +0.8% | +19.6% |
| XLF | 1.46% | 0.08% | Quarterly | +0.6% | +19.0% |
Returns assume distributions are reinvested; periods over one year are annualized.
1.46% on a trailing 12-month basis as of October 30, 2026: $0.83 of distributions per share on a $56.51 price. That is about $146 a year on a $10,000 investment. The yield moves with the share price and with each payment.
No. XLF pays quarterly. See our list of ETFs that pay monthly dividends if you need monthly income. The most recent ex-dividend date in our data was September 21, 2026, at $0.197 per share.
0.08% a year, or about $8 per $10,000 invested. The cost is taken from the fund's assets, so you never see it as a separate charge.
Mostly qualified dividends.
A large, liquid way to own U.S. financials, with dividends as a side benefit. The main risk: financials are cyclical and can fall hard in a credit crisis. This is general information, not personal advice.