ETF look-through · holdings as of 2026-06-30 · filed 2026-08-28

XLF State Street(R) Financial Select Sector SPDR(R) ETF

2.3%of the fund sits in checked holdings with a warning filing in the last 12 months

95.9%of the fund checked (the 71 largest matched holdings)

76stocks held · 95.9% matched to an SEC filer

Health Harbor

XLF sails as: New ship

Sailing speed follows growth: 10.8% a year crosses the harbor in 48 seconds.

No warning signs on the measures below.

New shipno warning signs

Sound shipone warning sign

Weathered boattwo warning signs

Old boatthree warning signs

Rotting at the dockfour or more warning signs

Boat condition = number of warning signs: warning filings ≥ 5% of the fund; liabilities over assets ≥ 10%; slow and jumpy ≥ 30%; top 10 ≥ 60%; revenue ranges ≥ ±20%. A picture of the signs, not a rating and not investment advice.

Actuarial summary

Measure	Value	What it means
Warning share	2.3%	Share of the fund in companies that filed a warning event in the last 12 months. Lower is healthier.
Top-10 weight	57.6%	How much the 10 largest holdings carry. Higher means more rides on a few names.
Effective holdings	21	The fund behaves like this many equal holdings (1 ÷ Σ weight²). Higher is more diversified.
Largest sector	Financials 81%	Of the holdings checked. Financials 81% · Industrials & services 18% · Technology & communications 1%.
Revenue range	±15.4%	Weighted width of Edgarette’s tested 80% revenue ranges, on the 11% of the fund she covers. Narrower is more predictable.
Checked	95.9%	Share of the fund Health Watch has read.
Cash conversion	13.3%	Operating cash as a share of revenue, weighted. Higher = money arrives faster.
Growth speed	10.8% a year	Revenue growth per year over three years, weighted. The long-term engine.
Dividend payers	73% · raised 69%	Share of the covered fund in companies paying a common dividend, and raising it.
Equity ratio	24.9%	Equity as a share of assets, weighted. Higher = less owed to others.
Liabilities over assets	0.6%	Share of the covered fund in companies whose liabilities exceed assets (often from buybacks, not always distress).
Speed and steadiness	Fast and steady 33% · Slow and steady 8% · Fast and jumpy 56% · Slow and jumpy 3%	Growth against the size-class median, steadiness against the same. Covers 83% of the fund.

Risks to watch

Concentrated: the 10 largest holdings are 57.6% of the fund.
Behaves like about 21 equal holdings (effective number), so a few companies drive the result.
Sector concentration: 80.8% of the checked holdings are Financials.
Holdings are as of 2026-06-30; the fund may have changed since.

Counted as a warning: late-filing notice, bankruptcy, debt trigger, non-reliance, auditor change, restructuring, impairment or cyber incident. Leadership changes and exchange listing notices or transfers are listed but not counted, because the filing code alone cannot tell a warning from routine housekeeping.

Warning filings by kind

Kind	Holdings	Share of fund
Restructuring or exit costs	4	2.3%
Exchange listing notice or transfer (listed, not counted)	2	1.0%

Largest holdings

Holding	Weight	Health watch, last 12 months
Berkshire Hathaway Inc $BRK-B	12.08%	quiet · leadership change
JPMorgan Chase & Co $JPM	11.55%	quiet · leadership change
Visa Inc $V	7.50%	quiet · leadership change
Mastercard Inc $MA	5.46%	quiet · leadership change
Bank of America Corp $BAC	4.90%	quiet · leadership change
Goldman Sachs Group Inc/The $GS	3.93%	quiet · leadership change
Wells Fargo & Co $WFC	3.33%	quiet · leadership change
Morgan Stanley $MS	3.30%	quiet
Citigroup Inc $C	3.14%	quiet · leadership change
American Express Co $AXP	2.37%	quiet · leadership change
Charles Schwab Corp/The	1.99%	not checked
Blackrock Inc $BLK	1.83%	quiet · leadership change
Progressive Corp/The $PGR	1.68%	quiet · leadership change
Capital One Financial Corp $COF	1.64%	quiet · leadership change
S&P Global Inc $SPGI	1.63%	quiet · leadership change
Chubb Ltd $CB	1.62%	quiet · leadership change
Bank of New York Mellon Corp/The $BNY	1.31%	quiet · leadership change
PNC Financial Services Group Inc/The $PNC	1.30%	quiet · leadership change
US Bancorp	1.24%	not checked
Blackstone Inc $BX	1.15%	quiet
Marsh & McLennan Cos Inc $MRSH	1.06%	quiet · leadership change
CME Group Inc $CME	1.05%	quiet · leadership change
Robinhood Markets Inc $HOOD	1.04%	Restructuring or exit costs · leadership change
Aon PLC $AON	0.93%	quiet · leadership change
Travelers Cos Inc/The $TRV	0.93%	quiet · leadership change
Intercontinental Exchange Inc $ICE	0.92%	quiet
Moody's Corp $MCO	0.90%	quiet · leadership change
KKR & Co Inc $KKR	0.84%	quiet · leadership change
Truist Financial Corp $TFC	0.82%	quiet · leadership change
Allstate Corp/The $ALL	0.81%	quiet · leadership change
Arthur J Gallagher & Co $AJG	0.78%	quiet · leadership change
Apollo Global Management Inc $APO	0.72%	quiet · leadership change
Aflac Inc $AFL	0.71%	quiet
Fifth Third Bancorp $FITB	0.67%	Exchange listing notice or transfer · leadership change
State Street Corp $STT	0.62%	quiet · leadership change
MetLife Inc $MET	0.60%	quiet · leadership change
Ameriprise Financial Inc $AMP	0.54%	quiet · leadership change
MSCI Inc $MSCI	0.54%	quiet · leadership change
Block Inc $XYZ	0.54%	Restructuring or exit costs · leadership change
American International Group Inc $AIG	0.52%	quiet · leadership change

Holdings are as the fund reported them to the SEC for 2026-06-30; N-PORT is made public about 60 days after quarter end. Only common-stock holdings are read; cash, securities-lending collateral and derivatives are left out. Sectors come from each company’s SEC industry code (SIC), grouped broadly; they can differ from an index provider’s sector labels. Display only: this describes what the fund holds, it is not a rating of the fund and not investment advice. Source: the fund’s N-PORT filing · this page as JSON

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