ETF Analysis
State Street Financial Select Sector SPDR ETF (XLF) ETF Analysis
State Street Financial Select Sector SPDR ETF (XLF) ETF analysis covering performance, holdings context, risk, drawdowns, volatility, momentum, dividends, valuation exposure, and the current AlgovestIQ assessment.
State Street Financial Select Sector SPDR ETF (XLF) currently has an AIQ Score of 69/100, indicating a neutral setup. Quality is the strongest factor at 76/100. Sentiment is the weakest current factor at 50/100. Performance, momentum, risk, distribution, and exposure evidence should be read together at the latest market-close snapshot.
XLF at a Glance
Crawlable current metrics from the latest market-close ETF snapshot.
| Metric | Current |
|---|---|
| Price | $56.04 |
| AIQ Score | 69/100 |
| Overall View | Neutral |
| Technical Analysis Consensus | Buy |
| Fund Size | $52.35B |
| Expense Ratio | 0.08% |
| Holdings Count | 80 |
| NAV | $55.07 |
| Asset Class | Equity |
| Primary Exposure | Financial Services (98.21%) |
| Issuer | SPDR |
| Domicile | US |
| Inception Date | Dec 16, 1998 |
| Distribution Yield | 1.50% |
| Beta | 0.75 |
| Average Volume | 34.03M |
| 52-week range | $47.67-$58.60 |
| RSI 14 | 75.39 |
| 50-Day SMA | $56.15 |
| 200-Day SMA | $53.69 |
| Risk Score | 75/100 |
| Momentum Score | 66/100 |
| Value Exposure Score | 60/100 |
XLF Long-Horizon ETF Performance
Trailing returns, growth of $10,000, drawdown history, and calendar-year returns from available daily closes.
| Period | Total return | Annualized | Max drawdown | Start date |
|---|---|---|---|---|
| 1Y | 5.55% | 5.55% | -15.23% | Oct 20, 2025 |
| 3Y | 73.04% | 20.05% | -15.85% | Oct 20, 2023 |
| 5Y | 37.17% | 6.53% | -26.87% | Oct 22, 2021 |
| 10Y | 37.17% | 6.53% | -26.87% | Oct 22, 2021 |
Growth of $10,000
Indexed to the first available close in this history window.
Drawdown History
Peak-to-trough decline from each prior high over the available window.
Calendar-Year Returns
Full-year returns where available, with the current calendar year shown as YTD.
XLFState Street Financial Select Sector SPDR ETF
Financial Services / Asset Management
Leader
Sector Leader
Latest quote
- Momentum66
- Value60
- Quality76
- Risk resilience75
- Sentiment50
XLF ETF Analysis Summary
State Street Financial Select Sector SPDR ETF (XLF) currently has an AIQ Score of 69/100, indicating a neutral setup. Quality is the strongest factor at 76/100. Sentiment is the weakest current factor at 50/100. Performance, exposure, distribution, momentum, and risk evidence should be read together at the latest market-close snapshot.
In a neutral regime, XLF has AIQ Score of 69/100 with Quality base of 76/100 and fading Sentiment at 50/100. Wait for component alignment before adding exposure.
Quality (76/100) leads while Sentiment (50/100) lags. This cross-factor spread creates entry timing uncertainty.
Financial Services · 0.57% ETF move · XLF classified in Asset Management.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is XLF Bullish or Bearish Right Now?
XLF currently has a neutral overall setup. Quality is the strongest factor at 76/100, while Sentiment is weakest at 50/100. The current evidence suggests a mixed rather than strongly bullish or bearish setup.
- - Quality is supportive at 76/100.
- - Momentum is constructive at 66/100.
- - Risk Resilience is supportive at 75/100.
- - Technical consensus has more buy votes than sell votes (33 vs 11).
- - No strong bearish evidence is available in the current snapshot.
Current Consensus
XLF's Technical Analysis Consensus is currently Buy, with 33 buy, 1 neutral, and 11 sell votes. XLF's 14-day RSI is 75.39, which places the ETF in an overbought momentum range. XLF's beta is 0.75, indicating lower market sensitivity than the broad market.
What Changed in XLF?
The largest recent change in XLF is Momentum moving up by 17.0 points over the available 7-day comparison window. Quality remains the strongest visible factor.
What Would Change the XLF Outlook?
The current neutral outlook could improve if AIQ moves above 70, momentum recovers, risk resilience improves, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, distribution or liquidity context deteriorates, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive market-context evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
XLF Decision Framework
Public evidence layers, setup checks, and risk context for State Street Financial Select Sector SPDR ETF.
State Street Financial Select Sector SPDR ETF (XLF) ETF Analysis
State Street Financial Select Sector SPDR ETF has an AIQ Score of 69/100 in a Neutral regime. Quality is strongest at 76/100. Beta is 0.75, below market sensitivity. Review the supporting etf factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | XLF is in a Neutral AIQ regime with score 69/100. |
| Signal Conflict | The primary conflict is that quality leads at 76/100 while sentiment lags at 50/100. |
| Factor Evidence | Momentum 66/100 · Value 60/100 · Quality 76/100 · Risk 75/100 · Sentiment 50/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Quality is the strongest factor at 76/100.
Momentum is 66/100 and RSI (14) is 75.4.
XLF is in a Neutral regime at 69/100.
Risk factor is 75/100 with beta 0.75 and annual volatility 14.37%.
Current conflict: quality leads at 76/100 while sentiment lags at 50/100.
XLF Research Cluster
ETF-specific paths for performance, risk, distributions, market context, data, comparisons, and news.
XLF ETF Analytics
XLF holdings context, yield, risk, valuation exposure, momentum, and AIQ evidence.
XLF Technical Analysis
XLF technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
XLF ETF Market Context
Track XLF market context, news pressure, trend changes, income events, and current allocation evidence.
XLF Distribution Analysis
XLF distribution yield, annualized distributions, payment history, and income context.
XLF ETF Data
XLF available fund data, market metrics, technical readings, risk measures, and AIQ evidence.
XLF Risk Analysis
XLF volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
XLF ETF News
XLF ETF news, market tone, recent headlines, and catalyst context.
XLF vs ETF Peers
Current peer cohort: XLF · JPM · BAC · V · MA. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| XLF Current ETF | 69/100 | 60/100 | 66/100 | 75/100 | 0.22 | 14.37% | Current |
| JPM JPMorgan Chase | 51/100 | 44/100 | 55/100 | 68/100 | 0.4 | 22.13% | XLF vs JPM |
| BAC Bank of America | 46/100 | 57/100 | 24/100 | 58/100 | -0.18 | 21.87% | XLF vs BAC |
| V Visa | 65/100 | 24/100 | 85/100 | 64/100 | 0.7 | 22.11% | XLF vs V |
| MA Mastercard | 50/100 | 24/100 | 95/100 | 61/100 | 0.36 | 22.45% | XLF vs MA |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Oct 21, 2026.
About the AIQ Score
Methodology for the current ETF evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of ETF evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Valuation exposure across the fund's holdings.
Quality context inferred from fund exposure and available evidence.
Trend, momentum, volume, and timing confirmation.
Resilience, volatility, beta, drawdown, and tail risk.
News and event pressure around the setup.
Open the return calculator with ETF context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalystsNo quarterly financial rows in this snapshot.
Checked Oct 21, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
ETF Analytics Snapshot
Current ETF evidence uses fund profile, cost, size, distribution, momentum, and risk fields.
ETF pages use fund-native profile fields for cost, size, liquidity, holdings breadth, NAV, issuer, and launch date.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching XLF
Open the detailed evidence pages and workflows behind the ETF overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for XLF
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
XLF ETF FAQ
What is XLF ETF price today?
XLF is currently shown at $56.04. Use the live quote with the 52-week range and AIQ context before comparing funds.
What is XLF's 52-week high and low?
XLF's 52-week range is $47.67 to $58.60 based on the latest completed market-close snapshot from Oct 21, 2026. A price near either extreme should be evaluated with volatility and trend evidence.
Does XLF pay a dividend?
XLF's current distribution yield is 1.50% based on the latest completed market-close snapshot from Oct 21, 2026. For ETFs, dividend yield should be compared with expense ratio, holdings, and risk.
What should investors compare before buying XLF?
Compare XLF's price trend, expense profile, yield, holdings exposure, volatility, and AIQ signal. ETF decisions should focus on portfolio fit as much as current momentum.