XLF vs XLK Comparison: AI Score, Valuation, Performance and Upside
Compare XLF and XLK by sector rotation dynamics, interest rate and AI sensitivity, earnings growth trajectory, valuation relative to S&P 500, and which sector ETF is better positioned for the current macro and technology investment cycle.
Use this XLF vs XLK comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
XLF and XLK are closely matched — they split the tracked metrics evenly. XLK has delivered stronger 1-year price return (+35.28% vs +7.75% for XLF).
| Metric | XLF | XLK |
|---|---|---|
| ETF score | 61.0 | 83.0 |
| Latest close | $56.31 | $175.88 |
| 1M return | +4.82% | -3.92% |
| 6M return | +5.55% | +21.69% |
| 1Y return | +7.75% | +35.28% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | XLF | XLK |
|---|---|---|
| 1Y ago | $10.94K (+9.4%) started 2025-07-24 | $13.6K (+36.0%) started 2025-07-24 |
| 5Y ago | $18.42K (+84.2%) started 2021-07-26 | $24.57K (+145.7%) started 2021-07-26 |
| 10Y ago | $43.26K (+332.6%) started 2016-07-25 | $95.37K (+853.7%) started 2016-07-25 |
Hypothetical — past performance does not guarantee future results.
| Metric | XLF | XLK |
|---|---|---|
| Expense ratio | 0.08% | 0.08% |
| Total assets (AUM) | $51.35B | $123.91B |
| Dividend yield | 1.51% | 0.42% |
| Trailing P/E | 17.83 | N/A |
| Beta | 0.87 | 1.35 |
| 52-week change | 7.75% | 35.28% |
| Metric | XLF | XLK |
|---|---|---|
| 1Y return | +7.75% | +35.28% |
| 6M return | +5.55% | +21.69% |
| 1M return | +4.82% | -3.92% |
| 1Y Sharpe ratio | 0.28 | 1.17 |
| Beta | 0.87 | 1.35 |
| Dividend yield | 1.51% | 0.42% |
| 5Y CAGR | +11.00% | +18.81% |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | XLF | XLK |
|---|---|---|---|
| 1Y | Growth | +7.75% | +35.28% |
| CAGR | +7.76% | +35.31% | |
| Sharpe ratio | 0.28 | 1.17 | |
| Max drawdown | 14.79% | 15.92% | |
| Max daily drop | 3.35% | 6.66% | |
| Max wkly drop | 4.81% | 9.99% | |
| 5Y | Growth | +68.38% | +136.48% |
| CAGR | +11.00% | +18.81% | |
| Sharpe ratio | 0.42 | 0.63 | |
| Max drawdown | 25.81% | 33.56% | |
| Max daily drop | 7.32% | 6.82% | |
| Max wkly drop | 12.19% | 13.59% | |
| 10Y | Growth | +252.99% | +753.76% |
| CAGR | +13.45% | +23.93% | |
| Sharpe ratio | 0.48 | 0.81 | |
| Max drawdown | 42.86% | 33.56% | |
| Max daily drop | 13.71% | 13.81% | |
| Max wkly drop | 22.99% | 17.04% |
| Category | XLF | XLK |
|---|---|---|
| Fund name | State Street Financial Select Sector SPDR ETF | State Street Technology Select Sector SPDR ETF |
| Type | ETF | ETF |
| Expense ratio | 0.08% | 0.08% |
| Total assets (AUM) | $51.35B | $123.91B |
| Dividend yield | 1.51% | 0.42% |
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