XLF Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in XLF ten years ago, at the end of Oct 2016, was worth $34,394 at the end of Oct 2026 with every distribution reinvested: 13.1% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $34,353 reinvested (6.8% a year), or $27,931 taking the distributions as cash, $3,874 of it paid out along the way.
XLF became
$34,353
S&P 500: $72,756
Return a year
6.8%
S&P 500: 11.1%
Payouts reinvested
$4,852
bought more shares
Worst drop
-72.8%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | XLF total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +4.5% | $391 | +11.7% |
| 2025 | +14.9% | $449 | +17.7% |
| 2024 | +30.6% | $416 | +24.9% |
| 2023 | +12.0% | $379 | +26.2% |
| 2022 | −10.6% | $394 | −18.2% |
| 2021 | +34.8% | $374 | +28.7% |
| 2020 | −1.7% | $345 | +18.3% |
| 2019 | +31.9% | $313 | +31.2% |
| 2018 | −13.1% | $257 | −4.6% |
| 2017 | +22.0% | $223 | +21.7% |
| 2016 | +22.4% | $194 | +12.0% |
| 2015 | −1.9% | $177 | +1.2% |
| 2014 | +15.1% | $167 | +13.5% |
| 2013 | +35.5% | $134 | +32.3% |
| 2012 | +28.3% | $111 | +16.0% |
| 2011 | −17.2% | $91 | +1.9% |
| 2010 | +11.9% | $68 | +15.1% |
| 2009 | +17.7% | $103 | +26.4% |
| 2008 | −55.0% | $266 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: XLF total return
Data as of · Source: SmarterDividends data
- $10,000 invested in XLF at the end of Dec 2007, with distributions reinvested, was worth $34,353 at the end of Oct 2026: 6.8% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, XLF turned $10,000 into $34,394 with distributions reinvested, 13.1% a year.
- Over the 5 years to Oct 2026, XLF returned 8.9% a year with distributions reinvested (S&P 500: 12.0%).
- Taking XLF's distributions as cash instead of reinvesting them, the same $10,000 ended at $27,931, including $3,874 of cash received; reinvesting added $6,421.
- XLF's best calendar year in that time was 2013 (35.5%) and its worst 2008 (-55.0%), with distributions reinvested.
Cite this page
SmarterDividends, "XLF Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/XLF/total-return
XLF total return questions
If I invested $10,000 in XLF 10 years ago, how much would I have?
About $34,394 at the end of Oct 2026, with every distribution reinvested: 13.1% a year. Taking them as cash, you'd have shares worth $28,627 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is XLF's total return since Dec 2007?
244% in total, or 6.8% a year, through Oct 2026 with distributions reinvested. The share price alone rose 141%.
How much of XLF's return came from distributions?
About 30% of its yearly return since Dec 2007. Reinvesting them, rather than taking cash, left you $6,421 better off on a $10,000 start.
What was XLF's worst year?
2008, at -55.0% with distributions reinvested (S&P 500: -36.8%). Its deepest fall from a peak, on month-end values, was -72.8%.
How is total return calculated here?
From month-end prices: the adjusted price counts every distribution reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.