Data as of Oct 28, 2026.
KRE vs XLF: Differences, Returns & Fees
Over the year to Oct 28, 2026, KRE returned +21.2% to XLF's +7.6%; 2% of their weight is in the same names.
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Net assets on Oct 27, 2026: $4.2bn for State Street SPDR S&P Regional Banking ETF and $51.6bn for State Street Financial Select Sector SPDR ETF.
Pair scorecard
XLF costs 0.27 points a year less; their one-year returns differ by 13.6 points; XLF is 12.3 times larger.
| Measure | KRE | XLF |
|---|---|---|
| Return | ||
| Total return, 1 year | +21.2% | +7.6% |
| Drawdown | ||
| Below its high | 6.9%, high on Aug 14, 2026 | 3.8%, high on Sep 3, 2026 |
| Benchmark | ||
| What it tracks | S&P Regional Banks Select Industry Index | Financial Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.35% | 0.08% |
| Net assets, as of Oct 27, 2026 | $4.2bn | $51.6bn |
| Holdings | ||
| Holdings in common | 2% | |
| Top ten holdings, share of the fund | 11.6% | 57.4% |
Holdings in common uses holdings dated Oct 27, 2026. Method
Risk and return
Jun 30, 2006 to Oct 23, 2026 · 1,060 weekly returnsXLF returned more: +217.5% to +146.5%. XLF swung less: 27.3% to 31.2%. KRE fell less at its worst: −68.0% to −82.7%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | KRE | XLF | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +146.5% | +217.5% | XLF | Price change plus distributions, reinvested. |
| Annualized | +4.5% | +5.8% | XLF | Total return as a yearly rate. |
| Price return | +50.4% | +72.9% | XLF | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 31.2% | 27.3% | XLF | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 21.5% | 18.8% | XLF | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −68.0% | −82.7% | KRE | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.24 | 0.28 | XLF | Return above Treasury bills per unit of volatility. |
| Sortino | 0.35 | 0.41 | XLF | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.07 | 0.07 | XLF (slight) | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,060 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, KRE and XLF hold 2% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.
half
2% in common
Only in one fund ↓
Side by side
KRE and XLF on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
KRE and XLF are built for the same job. How do they differ in cost, holdings and results?
- What each follows. KRE follows S&P Regional Banks Select Industry Index and XLF follows Financial Select Sector Index.
- Holdings in common. 2% of the weight is in the same securities (holdings dated Oct 27, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 KRE returned +21.2% and XLF +7.6% with distributions reinvested, a gap of 13.6 points.
Data as of Oct 28, 2026.
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KRE
KRE tracks the S&P Regional Banking. Over the year to Oct 28, 2026 it returned +21.2% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 7% of the fund by weight is stocks the S&P 500 also holds, across 167 positions, with the top ten at 11.6%. It sat 6.9% below its high of Aug 14, 2026 on Oct 28, 2026.
XLF
XLF tracks an index of Financials. Over the year to Oct 28, 2026 it returned +7.6% with distributions reinvested. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 77 positions, with the top ten at 57.4%. It sat 3.8% below its high of Sep 3, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, KRE or XLF?
- In the year to Oct 28, 2026, with distributions reinvested, KRE returned +21.2% and XLF +7.6%.
- Which is cheaper, KRE or XLF?
- XLF is cheaper, by 0.27 percentage points a year. That is about $27 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, KRE against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/kre-vs-xlf
ETFIQ. (Oct 28, 2026). KRE against XLF. Retrieved from https://etfiq.com/compare/any/kre-vs-xlf
[KRE against XLF (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/kre-vs-xlf)
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