State Street Financial Select Sector SPDR… (XLFI) Performance
XLFI total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +2.7% since Dec 31, 2025
- 1 year
- +6.0% total return
- Since first price
- +8.4% since 2025
XLFI trailing returns vs SPY, QQQ, AGG
| Period | XLFI total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | +1.9% | +1.0% | −1.0% | −5.0% | +0.9% |
| 3 months | +0.6% | −1.7% | +3.2% | +1.9% | −0.4% |
| 6 months | +7.3% | +2.3% | +7.8% | +8.4% | −1.5% |
| YTD | +2.7% | −5.4% | +12.3% | +15.1% | −1.0% |
| 1 year | +6.0% | −5.1% | +14.4% | +15.9% | −1.1% |
| Since inceptionJul 30, 2025 | +8.4% | −5.5% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: XLFI vs SPY
From Jul 30, 2025: XLFI grew to $10,844, SPY to $12,141.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
XLFI returns by calendar year
2026 is year to date.
XLFI annual returns table
| Year | XLFI | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +2.7% | −11.9% | +12.3% | +15.1% | −1.0% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
XLFI largest drawdowns
Now 3.9% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Jan 6, 2026 | −11.9% | Mar 27, 2026 | Jul 7, 2026 | 3 months | 6 months |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
XLFI risk statistics
| Statistic | Since 2025 |
|---|---|
| Annualized return | +4.4% |
| Volatility (annualized) | 11.4% |
| Sharpe ratio | 0.11 |
| Sortino ratio | 0.15 |
| Best month | +4.8% |
| Worst month | −6.6% |
| Best 12 months | +9.5% |
| Worst 12 months | +1.1% |
| Positive months | 57% |
| Beta vs S&P 500 | — |
| Correlation with S&P 500 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
XLFI rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 4 | +1.1% | +7.8% | +9.5% | 100% |
Every holding period starting at a month-end since 2025. Returns for 3 years and longer are annualized.
XLFI performance overview
State Street Financial Select Sector SPDR… (XLFI) returned +6.0% over the past year, with distributions reinvested. Since its first recorded price on Jul 30, 2025 it has returned +8.4%. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −11.9%, from Jan 6, 2026 to Mar 27, 2026, and it took 3 months to get back to the old high. Volatility has been 11.4% a year.
Related: XLFI chart, XLFI dividends. See the XLFI overview for the latest quote and fund facts.
XLFI performance FAQ
What is the XLFI return over the past year?
XLFI returned +6.0% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it fell 5.1%.
How much would $10,000 invested in XLFI be worth?
$10,000 invested in XLFI at its first recorded close on July 30, 2025 would be worth about $10,844 on October 23, 2026 with distributions reinvested.
What is the biggest drawdown of XLFI?
The largest peak-to-trough decline was −11.9% between January 6, 2026 and March 27, 2026. It recovered to the old high on July 7, 2026, 3 months after the bottom.
How volatile is XLFI?
Over the past history XLFI had an annualized volatility of 11.4% and a Sharpe ratio of 0.11 (excess return over 1–3 month T-bills per unit of risk).