Financial Select Sector SPDR (XLF)
Sector — Financials · Benchmark: Index Benchmark · Domiciled in US
VMCI-Composite holdings score
ValueMarkers builds the VMCI-Composite by taking the underlying VMCI score for each of the ETF's top-10 holdings and weighting it by the holding's share of the fund. The number summarizes the fundamentals of the largest positions on the five-pillar framework — Value, Quality, Integrity, Growth, Risk.
Financial Select Sector SPDR — analysis
Holding $31.4B in AUM at a 12 bps expense ratio, XLF sits in the sector — financials bucket on the ValueMarkers ETF coverage list. The fund tracks Index Benchmark and dates back to 2012.
Inside the ETF, the underlying companies' fundamentals stack to a VMCI-Composite of 63/100 on XLF. The composite is built from the top-10 holdings, weighted by index allocation. The read is above-average composite quality, which is the right anchor when comparing XLF to peer funds in the sector — financials category.
On a five-year compound basis, XLF returned 16.9% per year. Against the 17.0% benchmark print, that's a -0.1-pp below-index annualized result, before tax.
XLF pays a trailing-twelve-month dividend yield of 5.40%. Distribution growth has compounded at 6.9% per year over the past five years, which sets the carry profile for income-oriented allocators inside the sector — financials category.
Inside XLF: top-10 weight 29%, top position AAPL at 3.48%, top sector Technology at 31%. The concentration profile shapes how much of the fund's return is driven by a small set of names.
XLF's comparable set: SPY, VOO, VTI. Each is a sector — financials ETF; the relative-value question is whether the 12 bps expense ratio, the 16.9% 5y CAGR, and the 5.40% yield clear the bar against the peer trio.
Top 25 holdings
| # | Ticker | Weight | VMCI |
|---|---|---|---|
| 1 | AAPL | 3.48% | 44 |
| 2 | MSFT | 3.27% | 72 |
| 3 | NVDA | 3.27% | 41 |
| 4 | AMZN | 3.19% | 48 |
| 5 | GOOGL | 3.10% | 84 |
| 6 | META | 2.98% | 85 |
| 7 | BRK-B | 2.73% | 56 |
| 8 | TSLA | 2.68% | 64 |
| 9 | V | 2.43% | 86 |
| 10 | JPM | 2.27% | 55 |
| 11 | UNH | 2.27% | 61 |
| 12 | XOM | 2.18% | 48 |
| 13 | JNJ | 1.93% | 40 |
| 14 | PG | 1.89% | 59 |
| 15 | MA | 1.68% | 82 |
| 16 | HD | 1.51% | 40 |
| 17 | MRK | 1.51% | 74 |
| 18 | AVGO | 1.43% | 47 |
| 19 | PEP | 1.34% | 83 |
| 20 | COST | 1.22% | 75 |
| 21 | KO | 1.09% | 74 |
| 22 | WMT | 0.84% | 62 |
| 23 | BAC | 0.80% | 42 |
| 24 | CVX | 0.55% | 85 |
| 25 | ADBE | 0.38% | 54 |
Performance & income
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Data refreshed at request time and cached for 6 hours. As of 2026-05-15.