ETF fact sheet · XLF · Financials

State Street Financial Select Sector SPDR ETF

The model values 73 of XLF's 76 holdings. At the median their price sits 1.7% above its fair value, and 44% of them are priced below it.

Among the holdings the model backs with medium or high evidence, the cheapest by its reckoning is Allstate (ALL), priced 61.3% below fair value, and the priciest is Erie Indemnity (ERIE), priced 30.8% above fair value. That is the model's opinion, not advice.

The fund through Faircurve's model, from its run of 24 Oct 2026; closes to 27 Oct 2026.

Last close$55.88-0.25% on the day

This year+2.03%+2.75% against the S&P 500 over a month

Beta0.48moves about 0.5 times as much as the market

Price vs fair value1.7% abovethe median of 73 holdings the model values; 44% priced below

XLF through the model

Holding	Weight	1D	Price vs fair value	Evidence
BRK-B Berkshire Hathaway	12.8%	-1.02%	36.0% above	low
JPM JPMorgan Chase	11.2%	+0.52%	18.5% above	low
V Visa	8.8%	-0.57%	5.6% above	low
MA Mastercard	6.4%	-0.59%	5.2% above	low
BAC Bank of America	4.2%	+0.32%	3.5% below	high
GS Goldman Sachs	3.3%	+2.07%	10.2% below	low
WFC Wells Fargo	3.1%	+0.01%	12.6% below	low
MS Morgan Stanley	2.8%	+1.86%	not covered
C Citigroup	2.6%	+1.36%	4.0% below	high
AXP American Express	2.1%	-0.68%	27.1% below	low
BLK BlackRock	2.1%	+0.74%	0.6% above	medium
SCHW Charles Schwab	1.9%	-0.48%	6.8% above	low
SPGI S&P Global	1.7%	-0.38%	4.6% below	medium
PGR Progressive	1.7%	-1.59%	2.2% below	low
CB Chubb	1.6%	-0.14%	17.0% below	low
COF Capital One	1.6%	+0.54%	7.0% above	low
CME CME Group	1.4%	-4.73%	7.0% above	high
BNY Bank of New York Mellon	1.2%	+0.27%	68.1% above	low
MRSH Marsh & McLennan Companies	1.2%	-2.08%	0.4% below	medium
USB U.S. Bancorp	1.2%	+0.07%	6.8% above	low
ICE Intercontinental Exchange	1.2%	-2.88%	0.3% below	high
PNC PNC Financial Services	1.1%	+0.75%	11.2% above	high
BX Blackstone	1.1%	-1.98%	10.9% above	medium
TRV Travelers Companies (The)	1.1%	-0.78%	3.9% below	high
HOOD Robinhood Markets	1.0%	+1.85%	13.3% above	medium
MCO Moody's	0.9%	-2.16%	5.9% above	high
AJG Arthur J. Gallagher	0.9%	-2.92%	1.2% below	medium
ALL Allstate	0.8%	-1.65%	61.3% below	high
AON Aon	0.8%	+0.15%	3.1% below	medium
KKR KKR	0.8%	+0.33%	22.9% above	low
TFC Truist Financial	0.7%	-0.77%	18.9% above	high
MET MetLife	0.7%	-0.06%	8.7% above	high
AFL Aflac	0.7%	+0.88%	17.3% above	low
APO Apollo Global Management	0.7%	-0.10%	23.9% below	medium
PYPL PayPal	0.6%	+2.00%	8.9% below	high
FITB Fifth Third Bancorp	0.6%	+0.92%	30.4% above	high
STT State Street	0.6%	+0.56%	35.9% above	low
NDAQ Nasdaq	0.6%	-0.34%	1.2% above	high
MSCI Msci	0.6%	-2.58%	7.8% above	high
AMP Ameriprise Financial	0.5%	-0.15%	36.3% below	high
AIG American International Group	0.5%	-1.91%	10.5% below	high
XYZ Block	0.5%	+0.43%	9.2% above	medium
PRU Prudential Financial	0.5%	-0.50%	28.9% below	high
HIG Hartford (The)	0.5%	-1.79%	27.1% below	high
COIN Coinbase Global	0.5%	+0.93%	5.6% below	medium
IBKR Interactive Brokers Group	0.5%	+2.06%	18.4% above	low
ACGL Arch Capital Group	0.4%	-1.95%	29.5% below	low
CBOE Cboe Global Markets	0.4%	-3.15%	4.3% below	high
MTB M&T Bank	0.4%	-0.22%	9.0% above	high
HBAN Huntington Bancshares	0.4%	-0.13%	17.4% above	high
WTW Willis Towers Watson	0.4%	-1.54%	7.4% below	low
NTRS Northern Trust	0.4%	+0.47%	9.1% above	low
ARES Ares Management	0.3%	+0.25%	16.7% above	medium
RJF Raymond James Financial	0.3%	+0.03%	9.9% below	low
CFG Citizens Financial Group	0.3%	-0.09%	21.3% above	high
CINF Cincinnati Financial	0.3%	+2.31%	1.7% above	low
CPAY Corpay	0.3%	-0.68%	0.3% above	high
FISV Fiserv	0.3%	-1.92%	6.5% above	medium
SYF Synchrony Financial	0.3%	+0.19%	74.4% below	low
RF Regions Financial	0.3%	-0.38%	2.8% above	high
TROW T. Rowe Price	0.3%	+0.14%	21.6% below	medium
PFG Principal Financial Group	0.3%	+1.68%	0.9% above	medium
BRO Brown & Brown	0.3%	-4.97%	3.0% below	medium
FIS Fidelity National Information Services	0.2%	-3.42%	22.6% below	medium
KEY KeyCorp	0.2%	-0.28%	5.0% above	low
GPN Global Payments	0.2%	-0.53%	20.1% above	low
L Loews	0.2%	-0.36%	7.8% above	low
WRB WR Berkley	0.2%	-1.91%	not covered
EG Everest Group	0.2%	-1.64%	22.4% below	low
AIZ Assurant	0.2%	-0.30%	18.7% above	high
GL Globe Life	0.2%	+0.11%	23.1% below	low
IVZ Invesco	0.2%	-0.35%	withheld
FDS FactSet	0.1%	-4.28%	9.3% below	high
JKHY Jack Henry & Associates	0.1%	-2.53%	9.0% above	medium
BEN Franklin Resources	0.1%	+0.77%	9.1% above	medium
ERIE Erie Indemnity	0.1%	-1.76%	30.8% above	high

Show all 76 holdings

The 15 largest holdings by weight; the button shows all 76. Holdings as of 23 Oct 2026; closes to 27 Oct 2026; the model's run of 24 Oct 2026. Green is a price below the model's fair value, red above it. Not covered: the model does not value it. Withheld: its own checks flag the valuation.

How XLF has moved

Period	Price return
One day	-0.25%
One week	+0.29%
One month	+3.46%
This year	+2.03%
One month against the S&P 500	+2.75%

One week is seven calendar days, one month 28. Beta 0.48 over the past 60 sessions: the fund moves about 0.5 times as much as the market.

What XLF is

State Street Financial Select Sector SPDR ETF holds the S&P 500's financials companies.

Expense ratio	0.08% a year
Assets	$51.5 billion
Dividend yield	1.48% ($0.83 paid over twelve months)
Holdings	76
Since	1998
Issuer	SPDR

Sectors, share of the fund

Financial Services	98.2%
Technology	1.6%
Industrials	0.2%