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Data as of Oct 28, 2026.

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XLF vs XLP: Differences, Returns & Fees

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Over the year to Oct 28, 2026, XLF returned +7.6% to XLP's +13.8%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $51.6bn for State Street Financial Select Sector SPDR ETF and $14.6bn for State Street Consumer Staples Select Sector SPDR ETF.

XLF on its own →XLP on its own →
At a glance
+7.6%
XLF total return, 1 year
+13.8%
XLP total return, 1 year
0.08%
XLF expense ratio
0.08%
XLP expense ratio

Pair scorecard

Both cost 0.08% a year; their one-year returns differ by 6.2 points; XLF is 3.5 times larger.

XLF vs XLP: Differences, Returns & Fees
MeasureXLFXLP
Return
Total return, 1 year+7.6%+13.8%
Drawdown
Below its high3.8%, high on Sep 3, 20263.5%, high on Oct 22, 2026
Benchmark
What it tracksFinancial Select Sector IndexConsumer Staples Select Sector Index
Cost and size
Expense ratio0.08%0.08%
Net assets, as of Oct 27, 2026$51.6bn$14.6bn
Holdings
Holdings in common0%
Top ten holdings, share of the fund57.4%62.9%

Holdings in common uses holdings dated Oct 27, 2026. Method

What they share

0%

By the books each fund has filed, XLF and XLP hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first XLF XLP
Only in one fund ↓
Only in XLF
BERKSHIRE HATHAWAY INC CL B 12.84%
JPMORGAN CHASE + CO 11.33%
VISA INC CLASS A SHARES 8.69%
MASTERCARD INC A 6.26%
BANK OF AMERICA CORP 4.18%
GOLDMAN SACHS GROUP INC 3.37%
WELLS FARGO + CO 3.17%
MORGAN STANLEY 2.83%
Only in XLP
WALMART INC 11.05%
COSTCO WHOLESALE CORP 9.14%
PROCTER + GAMBLE CO 7.69%
COCA COLA CO 7.34%
PHILIP MORRIS INTERNATIONAL 6.56%
ALTRIA GROUP INC 4.54%
COLGATE PALMOLIVE CO 4.39%
MONDELEZ INTERNATIONAL INC A 4.19%
Check overlap with more funds →

Side by side

XLF State Street Financial Select Sector SPDR ETF XLP State Street Consumer Staples Select Sector SPDR ETF
Where it sits Stock ETF Stock ETF
Issuer State Street State Street
What it is Tracks an index of Financials Tracks an index of Consumer staples
Total return, 1 year +7.6% +13.8%
Expense ratio 0.08% 0.08%
Already in the S&P 500 99.8% 99.6%
Holdings 77 36
Net assets, as of Oct 27, 2026 $51.6bn $14.6bn

XLF and XLP on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

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About each fund
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.

XLP

XLP tracks an index of Consumer staples. Over the year to Oct 28, 2026 it returned +13.8% with distributions reinvested. 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 36 positions, with the top ten at 62.9%. It sat 3.5% below its high of Oct 22, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, XLF or XLP?
In the year to Oct 28, 2026, with distributions reinvested, XLF returned +7.6% and XLP +13.8%.
Which is cheaper, XLF or XLP?
Neither: XLF and XLP both charge 0.08% a year. Fees come from each fund's prospectus.
How much do XLF and XLP overlap with the S&P 500?
By their latest filed holdings, 100% of XLF and 100% of XLP by weight is stocks the S&P 500 already holds.
Other comparisons
VDC vs XLFXLF vs XLREXLF vs XLIIYE vs XLFKRE vs XLPVNQ vs XLPXLI vs XLPVHT vs XLP
Where to next
XLF on its own →XLP on its own →Hold both: look the portfolio through →Rankings →XLF dividend history →XLF holdings →XLP dividend history →XLP holdings →Standards and sources →
Sources and dates
XLF and XLP filings on SEC EDGAR ↗
XLF and XLP prospectus with the expense ratio (SEC) ↗
State Street website ↗

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, XLF against XLP, data as of Oct 28, 2026. https://etfiq.com/compare/any/xlf-vs-xlp

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.