Financials in 2026 hinge on rates, deposit competition, consumer credit, and capital markets health. Stable credit and improved deal flow lift sentiment; funding pressure and reserve builds cap upside for lenders.
Sector AnalysisETF: XLFUpdated May 6, 2026
Financial Services Sector Stocks
Financial Services covers banks, insurers, exchanges, asset managers, card networks, and other credit-and-capital businesses. It is highly macro-sensitive — loan growth, funding costs, credit quality, and regulation all shape earnings. XLF is the large-cap benchmark, but the sector spans very different models from traditional lenders to high-margin payment platforms.
Research ByVCP Scanner Editorial Team
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| Ticker | Company | Price | Mkt Cap | P/E | ROE | Div Yield | |
|---|---|---|---|---|---|---|---|
| Berkshire Hathaway Inc. | $698200.00 | $1506.15T | 9999.0 | 9.8% | — | ||
| Berkshire Hathaway Inc. | $465.52 | $1T | 15.0 | 9.8% | — | ||
| JPMorgan Chase & Co. | $309.40 | $834.2B | 15.7 | 17.4% | 1.7% | ||
| Visa Inc. | $322.03 | $617.8B | 31.6 | 52.1% | 0.7% | ||
| Mastercard Incorporated | $497.08 | $440.02B | 30.1 | 209.9% | 0.6% | ||
| Bank of America Corporation | $53.12 | $404.29B | 13.9 | 10.2% | 2.4% | ||
| Morgan Stanley | $189.21 | $301.05B | 23.8 | 13% | 2% | ||
| HSBC Holdings plc | $87.40 | $300.37B | 14.4 | 11.8% | 4.4% | ||
| The Goldman Sachs Group, Inc. | $918.89 | $285.46B | 22.7 | 12% | 1.5% | ||
| Royal Bank of Canada | $178.48 | $249.91B | 17.3 | 15.3% | 2.6% | ||
| Wells Fargo & Company | $79.89 | $247.08B | 14.9 | 10.7% | 1.9% | ||
| Citigroup Inc. | $128.04 | $223.75B | 21.5 | 6.1% | 2.1% | ||
| American Express Company | $315.95 | $216.67B | 20.5 | 34% | 1% | ||
| Mitsubishi UFJ Financial Group, Inc. | $17.76 | $200.9B | 17.5 | 8.8% | 1.6% | ||
| HDFC Bank Limited | $24.83 | $190B | 17.1 | 8.2% | 1.3% | ||
| The Toronto-Dominion Bank | $105.94 | $177.64B | 12.5 | 16.9% | 3.1% | ||
| Banco Santander, S.A. | $11.88 | $174.38B | 11.7 | 12.8% | — | ||
| The Charles Schwab Corporation | $92.40 | $164.19B | 30.9 | 13.3% | 1.3% | ||
| BlackRock, Inc. | $1048.84 | $162.7B | 25.0 | 14.1% | 2% | ||
| UBS Group AG | $44.10 | $136.86B | 23.6 | 7% | 1.6% | ||
| Sumitomo Mitsui Financial Group, Inc. | $21.20 | $134.86B | 11.1 | 7.9% | 3.2% | ||
| Chubb Limited | $322.57 | $125.88B | 12.5 | 13.9% | 1.2% | ||
| S&P Global Inc. | $423.87 | $125.47B | 28.9 | 12.1% | 0.9% | ||
| Banco Bilbao Vizcaya Argentaria, S.A. | $21.39 | $120.13B | 10.8 | 17.3% | 3.7% | ||
| Galaxy Digital | $30.32 | $118.01B | -57.2 | -11.9% | 0% | ||
| Capital One Financial Corporation | $189.68 | $117.42B | 47.1 | 2.8% | 1.7% | ||
| The Progressive Corporation | $197.74 | $115.9B | 13.7 | 37% | 0.6% | ||
| Bank of Montreal | $151.02 | $107.06B | 18.0 | 10.1% | 3.4% | ||
| Mizuho Financial Group, Inc. | $8.53 | $104.96B | 19.2 | 8.5% | 1.8% | ||
| CME Group Inc. | $286.82 | $104.06B | 25.7 | 14.6% | 3.8% |
Market Comparison
Financial Services Sector vs S&P 500 in one glance
This should answer the only question that matters here: are you getting something better than the market for the price you are paying?
Price vs market
Cheaper
46% below S&P 500 trailing P/E
Quality vs market
Lower quality
Net margin 17.1% vs 24.3%; ROE 35.4% vs 44.1%
Income vs market
Higher yield
Sector yield 1.43% vs 0.99%
Comparison table
Winner should register in under three seconds.
| Metric | Financial Services Sector | S&P 500 | Delta | Winner |
|---|---|---|---|---|
Trailing P/E Sector is cheaper | 18.3x | 33.6x | -46% | Sector cheaper |
Forward P/E Sector is cheaper | 15.7x | 24.4x | -36% | Sector cheaper |
EV/EBITDA Sector is cheaper | 15.3x | 22.0x | -31% | Sector cheaper |
Net Margin Market is stronger | 17.1% | 24.3% | -30% | S&P 500 stronger |
ROE Market is stronger | 35.4% | 44.1% | -20% | S&P 500 stronger |
Dividend Yield Sector is stronger | 1.4% | 1.0% | +44% | Sector yields more |
History check
Is the current premium normal?
1-year contextRich vs history
81th percentile; range 15.1x to 19.1x
5-year contextCheap vs history
9th percentile; range 8.6x to 116.1x
Internal health
Median revenue growth6.7%
Median gross margin52.2%
Median FCF margin19.7%
Against the S&P 500, Financial Services Sector currently trades at 18.3x trailing earnings versus 33.6x for the broad market. That premium only makes sense if investors keep believing the sector deserves better margins, stronger returns on equity, and more durable growth than the index overall.
Industry Breakdown
Where the real weight sits inside Financial Services Sector
These cards are built from the full sector universe, then ranked by market cap so you can see which pockets are leading, rich, resilient, or dangerously concentrated.
Industry Scoreboard
Fast scan of Financial Services Sector industry setups
Use this table to spot heavyweights, cheap pockets, leaders, and genuinely beaten-down areas before opening the detailed cards below.
Diversified Insurance 20 stocks | 99.2% $1507.39T | Neutral -3.4% median 3M | Cheap 10.0x median Fwd P/E | Mixed 10.3% median ROE | Weak 4.8% rev growth | Mixed One-name heavy |
Diversified Banks 21 stocks | 0.2% $3.77T | Neutral -0.2% median 3M | Fair 10.8x median Fwd P/E | Mixed 12.4% median ROE | Average - rev growth | Mixed Diversified |
Regional Banks 338 stocks | 0.1% $1.96T | Neutral -1.8% median 3M | Fair 10.5x median Fwd P/E | Mixed 9.6% median ROE | Average - rev growth | Mixed Diversified |
Credit Services 67 stocks | 0.1% $1.68T | Neutral -0.5% median 3M | Cheap 8.6x median Fwd P/E | Mixed 9.7% median ROE | Strong - rev growth | Attractive Concentrated |
Capital Markets 75 stocks | 0.1% $1.36T | Neutral +1.9% median 3M | Premium 17.0x median Fwd P/E | Mixed 12.0% median ROE | Strong - rev growth | Mixed Diversified |
Asset Management 163 stocks | 0.1% $1.13T | Neutral -0.6% median 3M | Fair 9.5x median Fwd P/E | Mixed 8.9% median ROE | Weak - rev growth | Mixed Diversified |
Financial Data & Exchanges 11 stocks | 0.0% $599.87B | Lagging -0.7% median 3M | Premium 23.1x median Fwd P/E | High 20.6% median ROE | Average - rev growth | Mixed Diversified |
Property & Casualty Insurance 48 stocks | 0.0% $565.85B | Neutral -2.6% median 3M | Cheap 10.3x median Fwd P/E | Mixed 18.0% median ROE | Strong 6.6% rev growth | Attractive Diversified |
Life Insurance 23 stocks | 0.0% $340.49B | Neutral -2.0% median 3M | Cheap 8.2x median Fwd P/E | Mixed 9.4% median ROE | Weak 3.0% rev growth | Mixed Diversified |
Insurance Brokers 18 stocks | 0.0% $267.48B | Lagging -14.2% median 3M | Premium 16.7x median Fwd P/E | Mixed 11.4% median ROE | Average 10.4% rev growth | Mixed Concentrated |
Investment Banking 16 stocks | 0.0% $82.37B | Neutral -0.0% median 3M | Fair 10.3x median Fwd P/E | Weak 5.2% median ROE | Weak - rev growth | Mixed One-name heavy |
Global Asset Management 3 stocks | 0.0% $74.17B | Lagging -15.0% median 3M | Premium 13.8x median Fwd P/E | Weak 0.2% median ROE | Weak - rev growth | Broken One-name heavy |
Specialty Insurance 19 stocks | 0.0% $70.31B | Lagging -8.7% median 3M | Fair 11.1x median Fwd P/E | Mixed 12.3% median ROE | Average 5.6% rev growth | Mixed Diversified |
SPACs & Shell Companies 125 stocks | 0.0% $60.18B | Neutral +0.7% median 3M | Premium 63.9x median Fwd P/E | Weak 2.6% median ROE | Weak - rev growth | Mixed One-name heavy |
Reinsurance 9 stocks | 0.0% $49.24B | Neutral +3.3% median 3M | Cheap 7.7x median Fwd P/E | Mixed 11.7% median ROE | Strong 7.4% rev growth | Attractive One-name heavy |
Financial Conglomerates 21 stocks | 0.0% $24.02B | Neutral +0.8% median 3M | Fair 8.6x median Fwd P/E | Weak 3.0% median ROE | Strong - rev growth | Watchlist One-name heavy |
Mortgage Finance 15 stocks | 0.0% $14B | Lagging -9.4% median 3M | Cheap 7.1x median Fwd P/E | Weak 3.3% median ROE | Strong - rev growth | Broken Concentrated |
Diversified Financial 1 stocks | 0.0% $5.49B | Leading +22.2% median 3M | Premium 14.5x median Fwd P/E | Mixed 7.1% median ROE | Weak - rev growth | Expensive Leader One-name heavy |
Income Asset Management 6 stocks | 0.0% $1.48B | Neutral +0.6% median 3M | Fair 7.6x median Fwd P/E | Mixed 6.8% median ROE | Strong - rev growth | Watchlist One-name heavy |
Crypto Asset Management 5 stocks | 0.0% $874M | Neutral -13.4% median 3M | Cheap 8.8x median Fwd P/E | Weak -69.0% median ROE | Weak - rev growth | Mixed One-name heavy |
IT Services 1 stocks | 0.0% $708M | Leading +41.3% median 3M | Fair - median Fwd P/E | Weak 3.3% median ROE | Weak - rev growth | Mixed One-name heavy |
Other 4 stocks | 0.0% $481M | Neutral +4.0% median 3M | Premium 46.9x median Fwd P/E | Weak 3.8% median ROE | Average - rev growth | Mixed One-name heavy |
Internet Services 1 stocks | 0.0% $246729 | Neutral +21.8% median 3M | Fair - median Fwd P/E | Weak -141.8% median ROE | Strong - rev growth | Watchlist One-name heavy |
Showing 23 of 23 industries in Financial Services Sector.
Setup is a quick read of value, quality, growth, momentum, and concentration together.
99.2% OF SECTOR
Diversified Insurance
Cheap vs sectorMixed qualityNeutralWeak growthOne-name heavy
Diversified Insurance is a core pocket of financial services, moving broadly in line with the rest of the sector; growth is softer than the sector average, quality signals are mixed, and valuation sits below sector norms. Leadership is extremely concentrated in one or two names.
Median 3M return
-3.4%
Forward P/E
10.0x
Top 3 weight
100.0%
Market cap
$1507.39T
Coverage
20 stocks
Breadth
40% pos. in 3M
Open filtered screener
0.2% OF SECTOR
Diversified Banks
Fairly pricedMixed qualityNeutralAverage growthDiversified
Diversified Banks is a smaller pocket of financial services, moving broadly in line with the rest of the sector; growth is near the sector average, quality signals are mixed, and valuation is close to sector norms.
Median 3M return
-0.2%
Forward P/E
10.8x
Top 3 weight
40.8%
Market cap
$3.77T
Coverage
21 stocks
Breadth
48% pos. in 3M
Open filtered screener
0.1% OF SECTOR
Regional Banks
Fairly pricedMixed qualityNeutralAverage growthDiversified
Regional Banks is a smaller pocket of financial services, moving broadly in line with the rest of the sector; growth is near the sector average, quality signals are mixed, and valuation is close to sector norms.
Median 3M return
-1.8%
Forward P/E
10.5x
Top 3 weight
19.9%
Market cap
$1.96T
Coverage
338 stocks
Breadth
39% pos. in 3M
Open filtered screener
0.1% OF SECTOR
Credit Services
Cheap vs sectorMixed qualityNeutralStrong growthConcentrated
Credit Services is a smaller pocket of financial services, moving broadly in line with the rest of the sector; growth is running above sector norms, quality signals are mixed, and valuation sits below sector norms. Leadership is concentrated in a few names.
Median 3M return
-0.5%
Forward P/E
8.6x
Top 3 weight
75.8%
Market cap
$1.68T
Coverage
67 stocks
Breadth
43% pos. in 3M
Open filtered screener
0.1% OF SECTOR
Capital Markets
Premium vs sectorMixed qualityNeutralStrong growthDiversified
Capital Markets is a smaller pocket of financial services, moving broadly in line with the rest of the sector; growth is running above sector norms, quality signals are mixed, and valuation still carries a premium.
Median 3M return
+1.9%
Forward P/E
17.0x
Top 3 weight
55.3%
Market cap
$1.36T
Coverage
75 stocks
Breadth
53% pos. in 3M
Open filtered screener
0.1% OF SECTOR
Asset Management
Fairly pricedMixed qualityNeutralWeak growthDiversified
Asset Management is a smaller pocket of financial services, moving broadly in line with the rest of the sector; growth is softer than the sector average, quality signals are mixed, and valuation is close to sector norms.
Median 3M return
-0.6%
Forward P/E
9.5x
Top 3 weight
31.9%
Market cap
$1.13T
Coverage
163 stocks
Breadth
45% pos. in 3M
Open filtered screener
0.0% OF SECTOR
Financial Data & Exchanges
Premium vs sectorHigh qualityLaggingAverage growthDiversified
Financial Data & Exchanges is a smaller pocket of financial services, currently lagging on price action; growth is near the sector average, business quality is stronger than the sector median, and valuation still carries a premium.
Median 3M return
-0.7%
Forward P/E
23.1x
Top 3 weight
52.9%
Market cap
$599.87B
Coverage
11 stocks
Breadth
45% pos. in 3M
Open filtered screener
0.0% OF SECTOR
Property & Casualty Insurance
Cheap vs sectorMixed qualityNeutralStrong growthDiversified
Property & Casualty Insurance is a smaller pocket of financial services, moving broadly in line with the rest of the sector; growth is running above sector norms, quality signals are mixed, and valuation sits below sector norms.
Median 3M return
-2.6%
Forward P/E
10.3x
Top 3 weight
54.2%
Market cap
$565.85B
Coverage
48 stocks
Breadth
35% pos. in 3M
Open filtered screener
0.0% OF SECTOR
Life Insurance
Cheap vs sectorMixed qualityNeutralWeak growthDiversified
Life Insurance is a smaller pocket of financial services, moving broadly in line with the rest of the sector; growth is softer than the sector average, quality signals are mixed, and valuation sits below sector norms.
Median 3M return
-2.0%
Forward P/E
8.2x
Top 3 weight
52.2%
Market cap
$340.49B
Coverage
23 stocks
Breadth
39% pos. in 3M
Open filtered screener
0.0% OF SECTOR
Insurance Brokers
Premium vs sectorMixed qualityLaggingAverage growthConcentrated
Insurance Brokers is a smaller pocket of financial services, currently lagging on price action; growth is near the sector average, quality signals are mixed, and valuation still carries a premium. Leadership is concentrated in a few names.
Median 3M return
-14.2%
Forward P/E
16.7x
Top 3 weight
76.8%
Market cap
$267.48B
Coverage
18 stocks
Breadth
28% pos. in 3M
Open filtered screener
0.0% OF SECTOR
Investment Banking
Fairly pricedWeak qualityNeutralWeak growthOne-name heavy
Investment Banking is a smaller pocket of financial services, moving broadly in line with the rest of the sector; growth is softer than the sector average, quality metrics trail the sector median, and valuation is close to sector norms. Leadership is extremely concentrated in one or two names.
Median 3M return
-0.0%
Forward P/E
10.3x
Top 3 weight
91.6%
Market cap
$82.37B
Coverage
16 stocks
Breadth
38% pos. in 3M
Open filtered screener
0.0% OF SECTOR
Global Asset Management
Premium vs sectorWeak qualityLaggingWeak growthOne-name heavy
Global Asset Management is a smaller pocket of financial services, currently lagging on price action; growth is softer than the sector average, quality metrics trail the sector median, and valuation still carries a premium. Leadership is extremely concentrated in one or two names.
Median 3M return
-15.0%
Forward P/E
13.8x
Top 3 weight
100.0%
Market cap
$74.17B
Coverage
3 stocks
Breadth
33% pos. in 3M
Open filtered screener
Showing top 12 of 23 industries
Sector Outlook
Financial Services Sector Outlook - Q1 2026
Updated Q1 2026
Exchanges, data providers, and payment platforms may keep attracting premium valuations — their earnings are less balance-sheet dependent than banks.
Stock selection matters more than broad exposure. The gap between strong franchises and optically cheap value traps widens when macro shifts.
Earnings Calendar
Upcoming Earnings in Financial Services Sector
Earnings reports are the biggest near-term catalysts for sector moves. Track which names report in the next 60 days and size your positions accordingly.
No earnings in the next 60 days
Check individual stock pages for the latest earnings dates and estimated EPS.
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