Sector SPDRs · all funds
Is XLF above its 200-day moving average? Since when, and how often
State Street Financial Select Sector SPDR ETF. The side, the date it changed and the crosses this year, for three rules, on unadjusted closes, read after every close.
XLF closed above its 200-day average on October 5, 2026, its fourth cross this year.
Close 55.90·50-day 56.08 (−0.3%)·100-day 55.70 (+0.4%)·200-day 53.69 (+4.1%)
Email me when XLF crossesOne email on the evening it happens, on the rule you pick. Stop any time.
The three rules at the October 23, 2026 close
| Rule | Side | Since | Sessions | Crosses this year | A year, on average | Confirmed on 3 closes | Since |
|---|---|---|---|---|---|---|---|
| 50-day | ○below | Oct 23, 2026 | 1 | 11 | 19.1 | ○ below | Sep 16, 2026 |
| 100-day | ●above | Oct 20, 2026 | 4 | 18 | 14.5 | ● above | Oct 22, 2026 |
| 200-day | ●above | Oct 5, 2026 | 15 | 4 | 8.2 | ● above | Oct 7, 2026 |
Every cross, newest first
| Close of | Rule | Crossed | Days since the previous cross |
|---|---|---|---|
| Oct 23, 2026 | 50-day | ○below | 1 |
| Oct 22, 2026 | 50-day | ●above | 38 |
| Oct 20, 2026 | 100-day | ●above | 1 |
| Oct 19, 2026 | 100-day | ○below | 3 |
| Oct 16, 2026 | 100-day | ●above | 24 |
| Oct 5, 2026 | 200-day | ●above | 5 |
| Sep 30, 2026 | 200-day | ○below | 111 |
| Sep 22, 2026 | 100-day | ○below | 110 |
| Sep 14, 2026 | 50-day | ○below | 3 |
| Sep 11, 2026 | 50-day | ●above | 1 |
| Sep 10, 2026 | 50-day | ○below | 98 |
| Jun 11, 2026 | 200-day | ●above | 119 |
| Jun 4, 2026 | 50-day | ●above | 1 |
| Jun 4, 2026 | 100-day | ●above | 9 |
| Jun 3, 2026 | 50-day | ○below | 51 |
| May 26, 2026 | 100-day | ○below | 4 |
| May 22, 2026 | 100-day | ●above | 31 |
| Apr 21, 2026 | 100-day | ○below | 1 |
| Apr 20, 2026 | 100-day | ●above | 69 |
| Apr 13, 2026 | 50-day | ●above | 3 |
| Apr 10, 2026 | 50-day | ○below | 2 |
| Apr 8, 2026 | 50-day | ●above | 78 |
| Feb 12, 2026 | 200-day | ○below | 83 |
| Feb 10, 2026 | 100-day | ○below | 4 |
| Feb 6, 2026 | 100-day | ●above | 1 |
| Feb 5, 2026 | 100-day | ○below | 1 |
| Feb 4, 2026 | 100-day | ●above | 1 |
| Feb 3, 2026 | 100-day | ○below | 1 |
| Feb 2, 2026 | 100-day | ●above | 10 |
| Jan 23, 2026 | 100-day | ○below | 1 |
| Jan 22, 2026 | 100-day | ●above | 2 |
| Jan 20, 2026 | 50-day | ○below | 55 |
| Jan 20, 2026 | 100-day | ○below | 48 |
| Dec 3, 2025 | 100-day | ●above | 1 |
| Dec 2, 2025 | 100-day | ○below | 6 |
| Nov 26, 2025 | 50-day | ●above | 13 |
| Nov 26, 2025 | 100-day | ●above | 12 |
| Nov 21, 2025 | 200-day | ●above | 1 |
| Nov 20, 2025 | 200-day | ○below | 211 |
| Nov 14, 2025 | 100-day | ○below | 4 |
1108 earlier crosses in the full ledger.
The record since 1999: each rule beside holding XLF
| Rule | A year | $1,000 became | Worst fall | Time in XLF |
|---|---|---|---|---|
| 50-day | 1.0% | $1,304 | −63% | 61% |
| 50-day, confirmed on 3 closes | 3.3% | $2,419 | −40% | 60% |
| 100-day | 1.6% | $1,523 | −52% | 64% |
| 100-day, confirmed on 3 closes | 3.9% | $2,790 | −42% | 64% |
| 200-day | 4.9% | $3,638 | −35% | 66% |
| 200-day, confirmed on 3 closes | 5.9% | $4,679 | −26% | 66% |
| Holding the fund | 6.2% | $5,101 | −83% | 100% |
Since 1999, the fund's listing. Rates compound yearly on dividend-adjusted closes; a change of side takes effect at the next close; days out of the fund earn nothing. Compare rates across funds, not dollars: spans differ. The method page has the conventions.
How often XLF crosses
XLF has crossed its 200-day average 8.2 times a year on average since Oct 7, 1999, and 68% of those crosses came within 14 days of the previous one. Waiting for three closes on the new side cuts that to 3.4 a year.
On a dividend-adjusted price series, 278 of XLF's 371 200-day cross dates (75%) would fall on a different day or not at all. This page uses unadjusted closes, the series a broker chart shows, so every date here can be checked against one.
Email me when XLF crosses
Also in Sector SPDRs
XLK · XLV · XLE · XLI · XLY · XLP · XLU · XLB
Questions
What does "above its 200-day moving average" mean?
The 200-day moving average is the mean of XLF's last 200 daily closes. XLF is above it when the day's close is higher than that mean, below when lower. A close exactly on the line keeps the side it had.
When does this XLF page update?
After every US market close, once the day's official close is final (about 6:30 pm New York time). The dateline at the top names the last close it reflects.
What is the "confirmed on 3 closes" column?
The confirmed variant changes side only after three consecutive closes on the new side, and its cross date is the third close. For XLF it has crossed the 200-day 3.4 times a year on average, against 8.2 for the raw rule.
Which prices are used?
Unadjusted daily closes: split-adjusted, not dividend-adjusted, the prices a broker chart shows. Dividend-adjusted series put many cross dates on different days; the method page explains the choice.
Source: Yahoo Finance daily closes, read through the October 23, 2026 close. Rules computed by movingaveragealerts.com; the method page has every definition. Market data, not advice.