All charts and data below are with dividends reinvested. (Inflation adjustment is OFF !)

Total Real Returns

XLF: Total Return Chart (with Dividends Reinvested)

XLF total return snapshot: XLF returned +7.18% over the past year and +1.76% YTD, with dividends reinvested. Since Dec. 22, 1998, XLF is up +396.68% in nominal total return, or +5.93%/yr, and is currently −5.64% below its total-return high on Sep. 3, 2026.

Data ending Mon Oct. 19, 2026

Growth of $10,000

Tue 1998-12-22💬 to Mon 2026-10-19 Overall
Return
Exponential
Trendline
XLF
×
+396.68%
+5.93%/yr
+5.01%/yr
R2=0.561
Financial Select Sector SPDR Fund Exchange-Traded Fund

Growth of $10,000 Summary

Tue 1998-12-22💬 to Mon 2026-10-19 Start
Value
End
Value
XLF
×
$10,000.00
1998-12-22
$49,668.04
2026-10-19

This Year’s Performance

through 2026-10-19

  YTD YoY
XLF
×
+1.76% +7.18%

Drawdowns

  Current
Drawdown
Worst
Drawdown
XLF
×
−5.64%
on 2026-10-19
from 2026-09-03 peak
−82.69%
on 2009-03-06
from 2007-06-01 peak

Rolling Returns

Period ending Mon 2026-10-19 1 yr 2 yr 3 yr 5 yr 10 yr
XLF
×
+7.18% +19.17%
+9.17%/yr
+76.39%
+20.83%/yr
+50.33%
+8.49%/yr
+236.58%
+12.90%/yr

Annual Returns

Year XLF
2026 (YTD) +1.76%
2025 +14.90%
2024 +30.56%
2023 +12.04%
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 +28.41%
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 +0.54%