XLF

State Street Financial Select Sector SPDR ETF

$58.21−0.42 (−0.72%)Close Nov 12, 2026

Dec 22, 1998 – Nov 12, 2026, Dividends reinvested

Final balance: $52,511
CAGR: +6.13%
Max drawdown: −82.69%
Sharpe ratio: 0.35

Growth of $10,000

Trailing returns (%)

XLF's average annual return was 12.43% over the last 10 years and 5.58% over the last 20 years, through Nov 12, 2026. $10,000 in XLF on Nov 11, 2016 grew to $32,284 by Nov 12, 2026, with dividends reinvested.

	Total	Per year
XLF	+5.74	+0.86	+13.65	+7.58	+10.17	+21.61	+9.58	+12.43	+13.99	+5.58	+6.30	+6.13

Total

1M: +5.74%
3M: +0.86%
6M: +13.65%
YTD: +7.58%
1Y: +10.17%

Per year

3Y: +21.61%
5Y: +9.58%
10Y: +12.43%
15Y: +13.99%
20Y: +5.58%
25Y: +6.30%
Since 1998: +6.13%

Annual returns

1998 from Dec 22 · 2026 through Nov 12

XLF returns by year

Year	Return
2026 through Nov 12	+7.58%
2025	+14.90%
2024	+30.56%
2023	+12.03%
2022	−10.59%
2021	+34.80%
2020	−1.74%
2019	+31.87%
2018	−13.05%
2017	+22.00%
2016	+22.42%
2015	−1.77%
2014	+15.05%
2013	+35.53%
2012	+28.42%
2011	−17.14%
2010	+11.90%
2009	+17.57%
2008	−54.90%
2007	−19.18%
2006	+18.89%
2005	+6.20%
2004	+10.86%
2003	+30.49%
2002	−14.74%
2001	−9.43%
2000	+25.86%
1999	+2.67%
1998 from Dec 22	+0.54%

Metrics

Since 1998

Volatility	28.16%
Sortino ratio	0.51
Calmar ratio	0.07
Best year, 2013	+35.53%
Worst year, 2008	−54.90%
Positive years	18 of 27
Longest drawdown	10.1 years

Worst drawdowns

Since 1998

Decline	Peak	Bottom	Recovered	Length
−82.7%	Jun 2007	Mar 2009	Jul 2017	10.1 years
−42.9%	Feb 2020	Mar 2020	Jan 2021	11 months
−36.6%	Jan 2001	Oct 2002	Jan 2004	3 years
−26.5%	May 1999	Feb 2000	Jun 2000	1.1 years
−25.8%	Jan 2022	Oct 2022	Feb 2024	2.1 years