Which paid more, XLBI or XLFI?

Over the year to Nov 4, 2026, XLBI paid 15.9% of its starting price in cash and XLFI paid 10.7%, so XLBI paid more. Cash paid is not the same as money made: the price change matters too.

Which returned more once distributions are counted, XLBI or XLFI?

With every distribution reinvested, XLBI returned +18.5% and XLFI +8.1% over the year to Nov 4, 2026.

Which is cheaper, XLBI or XLFI?

XLBI and XLFI both charge 0.35% a year, so neither is cheaper. Fees come from each fund's prospectus.

Data as of Nov 4, 2026.

Income ETFs

XLBI vs XLFI: Dividend Yield & Total Return

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Over the year to Nov 4, 2026, XLBI paid 15.9% of its price in cash against XLFI’s 10.7%, and returned more with it reinvested.

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Net assets: $9.4m on Nov 2, 2026 for State Street Materials Select Sector SPDR Premium Income ETF, and $13m on Nov 3, 2026 for State Street Financial Select Sector SPDR Premium Income ETF.

XLBI on its own →XLFI on its own →

At a glance

15.9%

XLBI cash paid, 1 year

10.7%

XLFI cash paid, 1 year

+18.5%

XLBI total return, 1 year

+8.1%

XLFI total return, 1 year

XLBI · 1 year to Nov 4, 2026 11 pts behind XLB

XLBI

+18.5%

XLB

+29.5%

11 pts behind XLB

XLBI over 1 year: paid 15.9%, price +1.6%, total +18.5%, XLB +29.5%, −11.0 pts. Data to Nov 4, 2026.

XLB

+29.5%

XLBI

+18.5%

15.9% of it arrived as cash

11 pts behind XLB

Total return, distributions reinvested

11 pts behind XLB

XLBI over 1 year: paid 15.9%, price +1.6%, total +18.5%, XLB +29.5%, −11.0 pts. Data to Nov 4, 2026.

XLB

+29.5%

XLBI

+18.5%

15.9% cash

11 pts behind XLB

15.9% of it arrived as cash. Total return, distributions reinvested. XLBI over 1 year: paid 15.9%, price +1.6%, total +18.5%, XLB +29.5%, −11.0 pts. Data to Nov 4, 2026.

Data to Nov 4, 2026.

XLFI · 1 year to Nov 4, 2026 6.6 pts behind XLF

XLFI

+8.1%

XLF

+14.7%

6.6 pts behind XLF

XLFI over 1 year: paid 10.7%, price −3.2%, total +8.1%, XLF +14.7%, −6.6 pts. Data to Nov 4, 2026.

XLF

+14.7%

XLFI

+8.1%

10.7% as cash

6.6 pts behind XLF

Total return, distributions reinvested

6.6 pts behind XLF

XLFI over 1 year: paid 10.7%, price −3.2%, total +8.1%, XLF +14.7%, −6.6 pts. Data to Nov 4, 2026.

XLF

+14.7%

XLFI

+8.1%

6.6 pts behind XLF

10.7% of it arrived as cash. Both charts share one scale, with zero at the line. XLFI over 1 year: paid 10.7%, price −3.2%, total +8.1%, XLF +14.7%, −6.6 pts. Data to Nov 4, 2026.

Data to Nov 4, 2026.

Pair scorecard

Both cost 0.35% a year; their one-year returns differ by 10.4 points; XLFI is 1.3 times larger.

Points (pts) are percentage points.

XLBI vs XLFI: Dividend Yield & Total Return
Measure	XLBI	XLFI
Paid and earned
Measure	XLBI	XLFI
Total return, 1 year	+18.5%	+8.1%
Price change, 1 year	rose 1.6%	fell 3.2%
Return of capital, issuer estimate	100% of the Nov 5, 2026 payment
Against its benchmark
Measure	XLBI	XLFI
Benchmark	Materials, measured through XLB	Financials sector, measured through XLF
Against its benchmark, same days	behind by 11.0 pts	behind by 6.6 pts
Cost and size
Measure	XLBI	XLFI
Expense ratio	0.35%	0.35%
Net assets, as of Nov 3, 2026	$9.8m	$13m
Holdings
Measure	XLBI	XLFI
Holdings in common	0%

ETFIQ Distribution Coverage Score · XLBI scores higher How much of what it paid out did its total return cover?

IQ Income Score69.2XLBI45.8XLFI

How much of its payouts the fund's total return covered, ranked against 167 income ETFs not writing on a single company. 100 is best. How it is computed

XLBI 69.2

XLFI 45.8

0.3, the lowest in this set 99.7, the highest

One year only, and a ratio of two published numbers: it says nothing about where a distribution came from. All income ETFs ranked by it →

Method

What they share

By the books each fund has filed, XLBI and XLFI hold 0% of their money in the same securities at the same weight. Holdings dated Nov 3, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first XLBI XLFI

Only in one fund ↓

Only in XLBI

STATE STREET MATERIALS SELECT 103.82%

STATE STREET MATERIALS SELECT NOV26 55 CALL -0.03%

STATE STREET MATERIALS SELECT NOV26 53 CALL -0.19%

STATE STREET MATERIALS SELECT NOV26 51 CALL -3.71%

Only in XLFI

STATE STREET FINANCIAL SELECT 102.90%

STATE STREET FINANCIAL SELECT NOV26 58 CALL -0.06%

STATE STREET FINANCIAL SELECT NOV26 57.5 CALL -0.11%

STATE STREET FINANCIAL SELECT NOV26 57 CALL -0.18%

STATE STREET FINANCIAL SELECT NOV26 56 CALL -2.55%

Check overlap with more funds →

Side by side

XLBI State Street Materials Select Sector SPDR Premium Income ETF · Covered call on XLB, paying monthly XLFI State Street Financial Select Sector SPDR Premium Income ETF · Covered call on XLF, paying monthly

Issuer State Street State Street

Strategy covered call covered call

Benchmark Materials (XLB) Financials sector (XLF)

Pays monthly monthly

Payout rate, annualized 17.2% 11.0%

Expense ratio 0.35% 0.35%

Cash paid, 1 year 15.9% 10.7%

Price change, 1 year +1.6% −3.2%

Total return, 1 year +18.5% +8.1%

Benchmark return, 1 year +29.5% +14.7%

Ahead or behind −11.0 pts −6.6 pts

Return of capital, latest estimate 100% 100%

Age 1.3 years 1.3 years

Net assets, XLBI as of Nov 2, 2026 and XLFI as of Nov 3, 2026 $9.4m $13m

As of Nov 4, 2026. Source: ETFIQ. Cash paid: distributions over the window, as a share of the starting price. Payout rate: the latest payment, annualized, over today’s price.

Window by window

Window by window: XLBI vs XLFI: Dividend Yield & Total Return
	Total return		Cash paid		Against the benchmark
Window	XLBI	XLFI	XLBI	XLFI	XLBI	XLFI
3 months	+0.8%	−0.3%	3.6%	2.3%	−2.0 pts	−2.7 pts
6 months	+3.4%	+9.0%	6.7%	5.0%	−0.3 pts	−6.0 pts
1 year	+18.5%	+8.1%	15.9%	10.7%	−11.0 pts	−6.6 pts
Since launchXLBI Jul 2025 · XLFI Jul 2025	+16.4%	+10.5%	18.9%	14.1%	−7.7 pts	−4.0 pts

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Alert

About each fund

XLBI

Over the year to Nov 4, 2026, XLBI paid 15.9% of its starting value in cash distributions while its price rose 1.6%. With every distribution reinvested, the fund returned +18.5%. Materials (XLB) returned +29.5% over the same days, so a holder was behind by 11.0 pts. At its price on Nov 4, 2026 the latest distribution annualizes to 17.2%, paid monthly. State Street estimates that 100% of the distribution paid Nov 5, 2026 was a return of capital (its 19a-1 notice). That is a tax label, not a measure of erosion.

XLFI

Over the year to Nov 4, 2026, XLFI paid 10.7% of its starting value in cash distributions while its price fell 3.2%. With every distribution reinvested, the fund returned +8.1%. Financials sector (XLF) returned +14.7% over the same days, so a holder was behind by 6.6 pts. At its price on Nov 4, 2026 the latest distribution annualizes to 11.0%, paid monthly.

Questions people ask

Which paid more, XLBI or XLFI?: Over the year to Nov 4, 2026, XLBI paid 15.9% of its starting price in cash and XLFI paid 10.7%, so XLBI paid more. Cash paid is not the same as money made: the price change matters too.
Which returned more once distributions are counted, XLBI or XLFI?: With every distribution reinvested, XLBI returned +18.5% and XLFI +8.1% over the year to Nov 4, 2026.
Which is cheaper, XLBI or XLFI?: XLBI and XLFI both charge 0.35% a year, so neither is cheaper. Fees come from each fund's prospectus.

Other comparisons

XLBI vs FINY XLBI vs HAKY XLBI vs XLCI XLBI vs XLII XLFI vs MLPD XLFI vs FINY XLFI vs AIPI XLFI vs YRAM

Where to next

Materials (XLB) →Financials sector (XLF) →XLBI on its own →XLFI on its own →XLBI dividend history →XLBI holdings →XLFI dividend history →XLFI holdings →Method →Standards and sources →

Sources and dates

XLBI and XLFI filings on SEC EDGAR ↗

XLBI and XLFI prospectus with the expense ratio (SEC) ↗

XLBI 19a-1 distribution notice ↗

State Street website ↗

XLFI 19a-1 distribution notice ↗

Links are sources, not endorsements. A comparison is not a recommendation.

How this is computed

It is a place in a set, not a rating or a recommendation.

Overlap adds up the smaller of the two weights for each security both funds hold.

Every number is an ETFIQ calculation with distributions reinvested.

Cite this pageCitation, APA and Markdown

ETFIQ, XLBI against XLFI, data as of Nov 4, 2026. https://etfiq.com/compare/income/xlbi-vs-xlfi

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