Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
XLE vs XLF: how they differ
XLE and XLF hold 0% of their weight in the same names, and XLE returned more over the year.
State Street(R) Energy Select Sector SPDR(R) ETF and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, XLE and XLF hold 0% of their money in the same securities at the same weight.
| Holding | XLE | XLF |
|---|---|---|
| SSI US GOV MONEY MARKET CLASS | 0.36% | 0.15% |
| Only in XLE | Only in XLF |
|---|---|
| EXXONMOBIL HOLDINGS CORP 20.13% | JPMORGAN CHASE + CO 11.81% |
| CHEVRON CORP 15.18% | BERKSHIRE HATHAWAY INC CL B 11.59% |
| CONOCOPHILLIPS 6.36% | VISA INC CLASS A SHARES 7.60% |
| MARATHON PETROLEUM CORP 5.63% | MASTERCARD INC A 5.69% |
| PHILLIPS 66 5.52% | BANK OF AMERICA CORP 5.09% |
| VALERO ENERGY CORP 5.38% | GOLDMAN SACHS GROUP INC 3.75% |
| SLB LTD 4.49% | WELLS FARGO + CO 3.41% |
| EOG RESOURCES INC 4.15% | MORGAN STANLEY 3.18% |
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.
| XLE State Street(R) Energy Select Sector SPDR(R) 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 | Energy | Financials |
| Total return, 1 year | +50.7% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +33.2 pts | −9.9 pts |
| Expense ratio | 0.08% | 0.08% |
| Already in the S&P 500 | 100.0% | 100.0% |
| Holdings | 24 | 79 |
XLE in plain words
XLE is an index equity fund tracking the Energy. Over the year to Sep 11, 2026 it returned +50.7% 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 24 positions, with the top ten at 74.0%.
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. 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, XLE or XLF?
- In the year to Sep 13, 2026, with distributions reinvested, XLE returned +50.7% and XLF returned +7.6%, so XLE returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, XLE or XLF?
- XLE charges 0.08% a year and XLF charges 0.08%, so XLE is cheaper. Fees come from each fund's prospectus.
- How much do XLE and XLF overlap with the S&P 500?
- By their latest filed holdings, 100% of XLE and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 0% 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, XLE against XLF, data as of Sep 13, 2026. https://etfiq.com/compare/any/xle-vs-xlf Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources