Data as of Oct 28, 2026.
ITB vs XLY: Differences, Returns & Fees
Over the year to Oct 28, 2026, ITB returned −13.0% to XLY's −3.6%; 10% of their weight is in the same names.
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Net assets on Oct 27, 2026: $2.3bn for iShares U.S. Home Construction ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.
Pair scorecard
XLY costs 0.29 points a year less; their one-year returns differ by 9.4 points; XLY is 9.7 times larger.
| Measure | ITB | XLY |
|---|---|---|
| Return | ||
| Total return, 1 year | −13.0% | −3.6% |
| Drawdown | ||
| Below its high | 29.1%, high on Oct 18, 2024 | 6.8%, high on Jan 12, 2026 |
| Benchmark | ||
| What it tracks | Dow Jones U.S. Select Home Construction Index | Consumer Discretionary Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.37% | 0.08% |
| Net assets, as of Oct 27, 2026 | $2.3bn | $22.4bn |
| Holdings | ||
| Holdings in common | 10% | |
| Top ten holdings, share of the fund | 69.0% | 68.5% |
Holdings in common uses holdings dated Oct 27, 2026. Method
Risk and return
May 12, 2006 to Oct 23, 2026 · 1,067 weekly returnsXLY returned more: +759.5% to +125.2%. XLY swung less: 21.9% to 36.1%. XLY fell less at its worst: −58.4% to −85.6%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | ITB | XLY | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +125.2% | +759.5% | XLY | Price change plus distributions, reinvested. |
| Annualized | +4.0% | +11.1% | XLY | Total return as a yearly rate. |
| Price return | +92.8% | +563.5% | XLY | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 36.1% | 21.9% | XLY | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 24.0% | 14.8% | XLY | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −85.6% | −58.4% | XLY | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.24 | 0.51 | XLY | Return above Treasury bills per unit of volatility. |
| Sortino | 0.36 | 0.75 | XLY | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.05 | 0.19 | XLY | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,067 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, ITB and XLY hold 10% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.
half
10% in common
Only in one fund ↓
Side by side
ITB and XLY on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
ITB and XLY are built for the same job. How do they differ in cost, holdings and results?
- What each follows. ITB follows Dow Jones U.S. Select Home Construction Index and XLY follows Consumer Discretionary Select Sector Index.
- Holdings in common. 10% of the weight is in the same securities (holdings dated Oct 27, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 ITB returned −13.0% and XLY −3.6% with distributions reinvested, a gap of 9.4 points.
Data as of Oct 28, 2026.
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ITB
ITB tracks an index. Over the year to Oct 28, 2026 it returned −13.0% with distributions reinvested. The prospectus expense ratio is 0.37% a year. By its holdings published by its issuer for Oct 27, 2026, 60% of the fund by weight is stocks the S&P 500 also holds, across 43 positions, with the top ten at 69.0%. It sat 29.1% below its high of Oct 18, 2024 on Oct 28, 2026.
XLY
XLY tracks an index of Consumer discretionary. Over the year to Oct 28, 2026 it returned −3.6% with distributions reinvested, against +13.6% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 48 positions, with the top ten at 68.5%. It sat 6.8% below its high of Jan 12, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, ITB or XLY?
- In the year to Oct 28, 2026, with distributions reinvested, ITB returned −13.0% and XLY −3.6%.
- Which is cheaper, ITB or XLY?
- XLY is cheaper, by 0.29 percentage points a year. That is about $29 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, ITB against XLY, data as of Oct 28, 2026. https://etfiq.com/compare/any/itb-vs-xly
ETFIQ. (Oct 28, 2026). ITB against XLY. Retrieved from https://etfiq.com/compare/any/itb-vs-xly
[ITB against XLY (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/itb-vs-xly)
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