(XLF) Financial Sector SPDR Fund - Ratings and Ratios
Banking, Insurance, Capital Markets, Consumer Finance, Mortgage REITs
Description: XLF Financial Sector SPDR Fund September 26, 2025
The Financial Select Sector SPDR® Fund (NYSE ARCA:XLF) is an exchange-traded fund that tracks a GICS-defined financial sector index, allocating at least 95 % of its assets to the index constituents. The index covers a broad swath of financial services firms-including banks, insurers, capital-market participants, mortgage REITs, and consumer-finance companies-making the fund non-diversified by regulatory definition.
As of the most recent filing, XLF carries an expense ratio of 0.12 % and manages roughly $40 billion in assets, placing it among the largest U.S. sector ETFs. Its top ten holdings (e.g., JPMorgan Chase, Bank of America, Berkshire Hathaway, Wells Fargo, and Citigroup) collectively account for about 55 % of the portfolio, underscoring the concentration risk inherent in the financial sector. The fund’s performance is highly sensitive to macro-economic drivers such as the Federal Reserve’s policy rate, credit-cycle health, and housing-market activity, which together explain a large share of its return variance.
For a deeper, data-driven assessment of XLF’s risk-adjusted returns and how its sector exposure aligns with your investment thesis, you may find it useful to explore the analytical dashboards on ValueRay.
XLF ETF Overview
| Market Cap in USD | 52,040m |
| Category | Financial |
| TER | 0.09% |
| IPO / Inception | 1998-12-16 |
XLF ETF Ratings
| Growth Rating | 81.3% |
| Fundamental | - |
| Dividend Rating | 46.9% |
| Return 12m vs S&P 500 | -3.42% |
| Analyst Rating | - |
XLF Dividends
| Dividend Yield 12m | 1.38% |
| Yield on Cost 5y | 3.25% |
| Annual Growth 5y | 3.53% |
| Payout Consistency | 94.9% |
| Payout Ratio | % |
XLF Growth Ratios
| Growth Correlation 3m | 37.6% |
| Growth Correlation 12m | 78.1% |
| Growth Correlation 5y | 75.2% |
| CAGR 5y | 17.98% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.11 |
| CAGR/Mean DD 3y (Pain Ratio) | 4.68 |
| Sharpe Ratio 12m | 0.74 |
| Alpha | -3.89 |
| Beta | 1.050 |
| Volatility | 19.76% |
| Current Volume | 31883.8k |
| Average Volume 20d | 32443.4k |
| Stop Loss | 51.5 (-3%) |
| Signal | 0.33 |
What is the price of XLF shares?
Over the past week, the price has changed by +1.78%, over one month by -0.93%, over three months by +0.40% and over the past year by +14.30%.
Is Financial Sector SPDR Fund a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of XLF is around 53.85 USD . This means that XLF is currently overvalued and has a potential downside of 1.39%.
Is XLF a buy, sell or hold?
What are the forecasts/targets for the XLF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 60.8 | 14.4% |
XLF Fundamental Data Overview October 18, 2025
Beta = 1.05
Revenue TTM = 0.0 USD
EBIT TTM = 0.0 USD
EBITDA TTM = 0.0 USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 52.04b USD (52.04b + (null Debt) - (null CCE))
Interest Coverage Ratio = unknown (Ebit TTM 0.0 / Interest Expense TTM 0.0)
FCF Yield = 0.0% (FCF TTM 0.0 / Enterprise Value 52.04b)
FCF Margin = unknown (Revenue TTM is 0 or missing)
Net Margin = unknown
Gross Margin = unknown ((Revenue TTM 0.0 - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = unknown (Enterprise Value 52.04b / Total Assets none)
Interest Expense / Debt = unknown (Interest Expense 0.0 / Debt none)
Taxrate = 21.0% (US default 21%)
NOPAT = 0.0 (EBIT 0.0 * (1 - 21.00%))
Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 0.0)
Debt / FCF = unknown (Net Debt none / FCF TTM 0.0)
Total Stockholder Equity = 0.0 (from calculated bookValueOfEquity)
RoA = unknown (Net Income 0.0 / Total Assets none)
RoE = unknown (Net Income TTM 0.0 / Total Stockholder Equity 0.0)
RoCE = unknown (EBIT 0.0 / Capital Employed )
RoIC = unknown (NOPAT 0.0, Invested Capital 0.0, EBIT 0.0)
WACC = 9.88% (E(52.04b)/V(52.04b) * Re(9.88%) + (debt-free company))
Discount Rate = 9.88% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow 0.0)
Additional Sources for XLF ETF
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle