Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
DIA vs XLF: how they differ
DIA and XLF hold 15% of their weight in the same names, and DIA returned more over the year.
SPDR Dow Jones Industrial Average ETF Trust and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, DIA and XLF hold 15% of their money in the same securities at the same weight.
| Holding | DIA | XLF |
|---|---|---|
| VISA INC CLASS A SHARES | 4.18% | 7.60% |
| JPMORGAN CHASE + CO | 4.03% | 11.81% |
| GOLDMAN SACHS GROUP INC | 11.61% | 3.75% |
| AMERICAN EXPRESS CO | 3.65% | 2.13% |
| TRAVELERS COS INC/THE | 4.19% | 0.97% |
| Only in DIA | Only in XLF |
|---|---|
| CATERPILLAR INC 9.17% | BERKSHIRE HATHAWAY INC CL B 11.59% |
| MICROSOFT CORP 5.61% | MASTERCARD INC A 5.69% |
| UNITEDHEALTH GROUP INC 4.42% | BANK OF AMERICA CORP 5.09% |
| AMGEN INC 4.36% | WELLS FARGO + CO 3.41% |
| ALPHABET INC CL A 3.79% | MORGAN STANLEY 3.18% |
| APPLE INC 3.72% | CITIGROUP INC 2.94% |
| SHERWIN WILLIAMS CO/THE 3.62% | SCHWAB (CHARLES) CORP 2.19% |
| HOME DEPOT INC 3.48% | BLACKROCK INC 1.91% |
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 Sep 10, 2026.
| DIA SPDR Dow Jones Industrial Average ETF Trust | 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 | Dow Jones Industrial Average | Financials |
| Total return, 1 year | +15.6% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −1.9 pts | −9.9 pts |
| Expense ratio | not published | 0.08% |
| Already in the S&P 500 | 97.1% | 100.0% |
| Holdings | 31 | 79 |
DIA in plain words
DIA is an index equity fund tracking the Dow Jones Industrial Average. Over the year to Sep 11, 2026 it returned +15.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. By its holdings filed for Sep 10, 2026, 97% of the fund by weight is stocks the S&P 500 also holds, across 31 positions, with the top ten at 55.1%. It sat 3.1% below its high of Aug 5, 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 Sep 10, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 79 positions, with the top ten at 57.3%.
Questions people ask
- Which returned more over the last year, DIA or XLF?
- In the year to Sep 13, 2026, with distributions reinvested, DIA returned +15.6% and XLF returned +7.6%, so DIA returned more. One year is one year; the longer windows are in the table.
- How much do DIA and XLF overlap with the S&P 500?
- By their latest filed holdings, 97% of DIA and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 15% of their books are the same securities at the same weight.
Other comparisons
Where to next
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, DIA against XLF, data as of Sep 13, 2026. https://etfiq.com/compare/any/dia-vs-xlf Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources