ETF look-through · holdings as of 2026-06-30 · filed 2026-08-28
XLF State Street(R) Financial Select Sector SPDR(R) ETF
2.7%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 HarborXLF sails as: New ship
Sailing speed follows growth: 10.8% a year crosses the harbor in 48 seconds.
🌊 Visit the Bay →No warning signs on the measures below.
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 | 2.7% | 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 | ±12.6% | Weighted width of Edgarette’s tested 80% revenue ranges, on the 82% 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. |
| Dividend yield | 1.4% | Common dividends paid in the latest fiscal year ÷ market value, weighted. Market value = the reported price × diluted shares. |
| Buyback yield | +3.0% | Shares bought back minus shares issued for cash, ÷ market value, weighted. From the cash-flow statements. |
| Starting valuation | 17.6× earnings | Price ÷ earnings (P/E) of the covered fund, from net income as filed. Higher = more is already priced in. |
| Expected stock return | -2.1% to +25.6% a year | Building blocks (Grinold–Kroner): income yield +4.5% + revenue growth -6.6% to +21.2% from Edgarette’s 80% ranges + valuation change taken as 0. Midpoint +12.3%. Covers 62% (yields) and 82% (growth) of the fund. An assumption by a published method, not a promise or a price forecast. |
| Equity ratio | 24.9% | Equity as a share of assets, weighted. Higher = less owed to others. |
| Classic signals | Z″ distress 1% · F ≤ 2 0% · accruals ahead 0% | What a terminal subscription used to buy, a filing and arithmetic now give anyone: share of the covered fund in Altman’s distress zone (Z″ below 1.1), with a Piotroski F of 2 or less, and with earnings running ahead of cash (Sloan accruals of 10% or more). Display only. Method → |
| Liabilities over assets | 0.6% | Share of the covered fund in companies whose liabilities exceed assets (often from buybacks, not always distress). |
Cash Compass
🌱 Later 42%🐄 Now 29%⚡ Not yet 15%🌊 Between 12%🍂 Fading 2%
Speed and steadiness
Fast · jumpy 56%Fast · steady 33%Slow · steady 8%Slow · jumpy 3%
Inside view (own filings) and outside view (same-size peers) must agree · covers 83% of the fund · a description, not advice.
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) | 1 | 0.7% |
| Auditor change | 1 | 0.4% |
Largest holdings
| Holding | Weight | Health watch, last 12 months | Classic signals Z″ · F · accruals |
|---|---|---|---|
| Berkshire Hathaway Inc $BRK-B | 12.08% | quiet · leadership change | Z″ not coveredF 3/6accruals 1.8% |
| JPMorgan Chase & Co $JPM | 11.55% | quiet · leadership change | Z″ not coveredF 3/7accruals 4.9% |
| Visa Inc $V | 7.50% | quiet | Z″ 3.14 safeF 4/7accruals -3.2% |
| Mastercard Inc $MA | 5.46% | quiet · leadership change | Z″ 7.73 safeF 8/8accruals -5.2% |
| Bank of America Corp $BAC | 4.90% | quiet · leadership change | Z″ not coveredF 5/7accruals 0.5% |
| 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 | Z″ not coveredF 3/7accruals 3.3% |
| American Express Co $AXP | 2.37% | quiet | Z″ not coveredF 4/7accruals -2.7% |
| Charles Schwab Corp/The | 1.99% | not checked | — |
| Blackrock Inc $BLK | 1.83% | quiet · leadership change | Z″ not coveredF 3/7accruals 1.1% |
| Progressive Corp/The $PGR | 1.68% | quiet · leadership change | Z″ not coveredF 6/7accruals -5.5% |
| Capital One Financial Corp $COF | 1.64% | quiet · leadership change | Z″ not coveredF 5/7accruals -4.4% |
| S&P Global Inc $SPGI | 1.63% | quiet · leadership change | Z″ 3.13 safeF 7/9accruals -1.9% |
| Chubb Ltd $CB | 1.62% | quiet · leadership change | Z″ not coveredF 6/7accruals -1.0% |
| Bank of New York Mellon Corp/The $BNY | 1.31% | quiet · leadership change | Z″ not coveredF 6/7accruals -0.3% |
| PNC Financial Services Group Inc/The $PNC | 1.30% | quiet · leadership change | Z″ not coveredF 6/7accruals 0.4% |
| US Bancorp | 1.24% | not checked | — |
| Blackstone Inc $BX | 1.15% | quiet · leadership change | Z″ not coveredF 4/7accruals -3.6% |
| Marsh & McLennan Cos Inc $MRSH | 1.06% | quiet · leadership change | Z″ not coveredF 6/8accruals -2.0% |
| CME Group Inc $CME | 1.05% | quiet · leadership change | Z″ not coveredF 6/8accruals -0.1% |
| Robinhood Markets Inc $HOOD | 1.04% | Restructuring or exit costs · leadership change | Z″ not coveredF 4/8accruals 0.8% |
| Aon PLC $AON | 0.93% | quiet · leadership change | Z″ not coveredF 6/8accruals 0.4% |
| Travelers Cos Inc/The $TRV | 0.93% | quiet · leadership change | Z″ not coveredF 6/7accruals -3.1% |
| Intercontinental Exchange Inc $ICE | 0.92% | quiet | Z″ not coveredF 7/8accruals -1.0% |
| Moody's Corp $MCO | 0.90% | quiet · leadership change | Z″ 6.38 safeF 8/9accruals -2.8% |
| KKR & Co Inc $KKR | 0.84% | quiet · leadership change | Z″ not coveredF 3/6accruals 0.5% |
| Truist Financial Corp $TFC | 0.82% | quiet · leadership change | — |
| Allstate Corp/The $ALL | 0.81% | quiet · leadership change | Z″ not coveredF 5/7accruals 0.1% |
| Arthur J Gallagher & Co $AJG | 0.78% | quiet · leadership change | Z″ not coveredF 5/8accruals -0.7% |
| Apollo Global Management Inc $APO | 0.72% | quiet · leadership change | Z″ not coveredF 5/7accruals -0.9% |
| Aflac Inc $AFL | 0.71% | quiet | Z″ not coveredF 4/7accruals 0.9% |
| Fifth Third Bancorp $FITB | 0.67% | Exchange listing notice or transfer · leadership change | — |
| State Street Corp $STT | 0.62% | quiet · leadership change | Z″ not coveredF 7/7accruals -2.5% |
| MetLife Inc $MET | 0.60% | quiet · leadership change | Z″ not coveredF 5/7accruals -2.0% |
| Ameriprise Financial Inc $AMP | 0.54% | quiet · leadership change | Z″ not coveredF 6/7accruals -2.6% |
| MSCI Inc $MSCI | 0.54% | quiet · leadership change | Z″ 4.58 safeF 7/8accruals -6.9% |
| Block Inc $XYZ | 0.54% | Restructuring or exit costs · leadership change | Z″ 4 safeF 5/9accruals -3.3% |
| American International Group Inc $AIG | 0.52% | quiet · leadership change | Z″ not coveredF 5/7accruals -0.1% |
Classic signals: Altman Z″ (1995 variant, book equity; safe above 2.6, distress below 1.1), Piotroski F of 9, Sloan accruals. Each from the holding’s own filings; display only, not a rating. Why? →
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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