Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
SPYD vs XLF: how they differ
SPYD and XLF hold 5% of their weight in the same names, and SPYD returned more over the year.
State Street(R) SPDR(R) Portfolio S&P 500(R) High Dividend ETF and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, SPYD and XLF hold 5% of their money in the same securities at the same weight.
| Holding | SPYD | XLF |
|---|---|---|
| US Bancorp | 1.31% | 1.24% |
| Truist Financial Corp | 1.20% | 0.82% |
| Fifth Third Bancorp | 1.28% | 0.67% |
| Prudential Financial Inc | 1.19% | 0.49% |
| Huntington Bancshares Inc/OH | 1.14% | 0.47% |
| Regions Financial Corp | 1.27% | 0.34% |
| T Rowe Price Group Inc | 1.29% | 0.32% |
| KeyCorp | 1.28% | 0.28% |
| Principal Financial Group Inc | 1.42% | 0.28% |
| Franklin Resources Inc | 1.57% | 0.14% |
| Only in SPYD | Only in XLF |
|---|---|
| Iron Mountain Inc 1.62% | Berkshire Hathaway Inc 12.10% |
| CVS Health Corp 1.53% | JPMorgan Chase & Co 11.57% |
| Host Hotels & Resorts Inc 1.53% | Visa Inc 7.51% |
| Edison International 1.48% | Mastercard Inc 5.47% |
| Target Corp 1.48% | Bank of America Corp 4.91% |
| APA Corp 1.48% | Goldman Sachs Group Inc/The 3.94% |
| Viatris Inc 1.46% | Wells Fargo & Co 3.34% |
| Kimco Realty Corp 1.46% | Morgan Stanley 3.31% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026.
| SPYD State Street(R) SPDR(R) Portfolio S&P 500(R) High Dividend ETF | XLF State Street(R) Financial Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | State Street | State Street |
| What it is | SPDR Portfolio S&P 500 High Dividend | Financials |
| Total return, 1 year | +12.9% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −4.6 pts | −9.9 pts |
| Expense ratio | 0.07% | 0.08% |
| Already in the S&P 500 | 100.0% | 100.0% |
| Holdings | 78 | 76 |
SPYD in plain words
SPYD is an index equity fund tracking the SPDR Portfolio S&P 500 High Dividend. Over the year to Sep 11, 2026 it returned +12.9% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.07% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 78 positions, with the top ten at 15.1%. It sat 4.3% below its high of Aug 24, 2026 on Sep 11, 2026.
XLF in plain words
XLF is an index equity fund tracking the Financials. Over the year to Sep 11, 2026 it returned +7.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 76 positions, with the top ten at 57.7%.
Questions people ask
- Which returned more over the last year, SPYD or XLF?
- In the year to Sep 12, 2026, with distributions reinvested, SPYD returned +12.9% and XLF returned +7.6%, so SPYD returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, SPYD or XLF?
- SPYD charges 0.07% a year and XLF charges 0.08%, so SPYD is cheaper. Fees come from each fund's prospectus.
- How much do SPYD and XLF overlap with the S&P 500?
- By their latest filed holdings, 100% of SPYD and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 5% of their books are the same securities at the same weight.
Other comparisons
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Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, SPYD against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/SPYD-XLF Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources