XLF monthly performance report
Check XLF's monthly returns, drawdown, and seasonality trends — updated every month.
XLF monthly report
—
Key takeaways
- XLF (XLF) closed September 2026 at $55.88, down 3.17% for the month and +3.33% over the trailing 12 months.
- Year-to-date, XLF is +2.03%, underperforming the S&P 500 which has returned +11.83% YTD.
- The stock is trading +4.14% versus its 200-day moving average ($53.66), a bullish technical signal.
- Over the past three years, XLF has underperformed the S&P 500 by −11.56%, with a relative strength index reading of 93.5.
- Win rate over the trailing 39 months stands at 56.4% — 22 positive months versus 16 negative months.
XLF ended September 2026 at $55.88, posting a monthly return of −3.17%. The S&P 500 returned −0.58% over the same window, leaving relative performance at −2.59%.
The current quarter stands at +4.23% (Q3 2026 (QTD)), while medium-term trend remains constructive: price is +4.14% versus the 200-day moving average ($53.66).
Year-to-date, XLF is +2.03% against SPY +11.83%, a gap of −9.80%. The stock is currently −4.33% below its 52-week high, with maximum 3-year drawdown at −15.85%.
| Period | XLF | S&P 500 (SPY) | Excess return |
|---|---|---|---|
| 1 Day | −0.09% | +1.13% | −1.22% |
| 1 Week | −1.74% | +0.63% | −2.37% |
| 1 Month | −3.17% | −0.58% | −2.59% |
| 3 Months | +2.82% | +1.64% | +1.18% |
| 6 Months | +14.30% | +15.15% | −0.85% |
| YTD | +2.03% | +11.83% | −9.80% |
| 12 Months | +3.33% | +15.69% | −12.36% |
| 3 Years | +60.44% | +72.00% | −11.56% |
| Rank | Month | Return |
|---|---|---|
| #1 | Nov 2023 | +10.94% |
| #2 | Nov 2024 | +10.46% |
| #3 | Jan 2025 | +6.50% |
| #4 | Jul 2024 | +6.40% |
| #5 | Jul 2026 | +6.21% |
| Rank | Month | Return |
|---|---|---|
| #1 | Dec 2024 | −5.86% |
| #2 | Mar 2025 | −4.54% |
| #3 | Apr 2024 | −4.18% |
| #4 | Mar 2026 | −4.01% |
| #5 | Feb 2026 | −3.76% |
| Quarter | Return |
|---|---|
| Q2 2025 | +5.14% |
| Q3 2025 | +2.86% |
| Q4 2025 | +1.67% |
| Q1 2026 | −9.86% |
| Q2 2026 | +8.59% |
| Q3 2026 (QTD) | +4.23% |
| Year | Return |
|---|---|
| 2023 | +9.94% |
| 2024 | +28.54% |
| 2025 | +13.33% |
| 2026 | +2.03% |
| Metric | Value |
|---|---|
| 52-Week High | $58.41 (2026-08-28) |
| 52-Week Low | $47.67 (2026-03-27) |
| Current Price | $55.88 |
| 200-Day Moving Average | $53.66 |
| Price vs 200DMA | +4.14% |
| 3-Year Maximum Drawdown | −15.85% (2025-04-08) |
| Current Drawdown from 52W High | −4.33% |
| RS metric | Value |
|---|---|
| RS Index (3-year, rebased to 100) | 93.5 |
| 3-Year Excess Return vs S&P 500 | −11.56% |
| RS Peak | 114.1 (Apr 2025) |
| RS Trough | 86.1 (Jun 2026) |
| Status | Underperforming Benchmark |
Frequently asked questions
What was XLF's return for this report period?
XLF returned −3.17% in the latest monthly window ending 2026-09-17.
Has XLF outperformed SPY year to date?
YTD XLF: +2.03% vs SPY: +11.83%.
What is XLF's 12-month return?
+3.33% over the trailing 12 months.
Is XLF above or below its 200-day moving average?
Price is +4.14% versus 200DMA ($53.66).
What is the maximum drawdown in the 3-year window?
−15.85% on 2025-04-08.