Which returned more over the last year, USO or XLF?

In the year to Sep 12, 2026, with distributions reinvested, USO returned +112.2% and XLF returned +7.6%, so USO returned more. One year is one year; the longer windows are in the table.

Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

USO vs XLF: how they differ

USO is a commodity fund and XLF an equity index fund, and over the year USO returned more, +112.2% against +7.6%.

United States Oil Fund, LP and State Street(R) Financial Select Sector SPDR(R) ETF.

USO and XLF on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	USO United States Oil Fund, LP	XLF State Street(R) Financial Select Sector SPDR(R) ETF
Where it sits	Core index fund	Core index fund
Issuer	United	State Street
What it is	Oil	Financials
Total return, 1 year	+112.2%	+7.6%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	+94.7 pts	−9.9 pts
Expense ratio	not published	0.08%
Holdings	not filed	76

USO in plain words

USO is a commodity fund tracking the Oil. Over the year to Sep 11, 2026 it returned +112.2% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. It sat 57.1% below its high of Apr 8, 2011 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, USO or XLF?: In the year to Sep 12, 2026, with distributions reinvested, USO returned +112.2% and XLF returned +7.6%, so USO returned more. One year is one year; the longer windows are in the table.

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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.

USO against XLF, ETFIQ, data as of Sep 12, 2026. Every figure is arithmetic on a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, USO against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/USO-XLF Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources