Which returned more over the last year, USO or XHB?

In the year to Oct 28, 2026, with distributions reinvested, USO returned +133.3% and XHB −8.6%.

Which is cheaper, USO or XHB?

XHB is cheaper, by 0.51 percentage points a year. That is about $51 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

USO vs XHB: Differences, Returns & Fees

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USO is a commodity futures fund and XHB an equity index fund, and over the year to Oct 28, 2026, USO returned +133.3% against −8.6%.

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Net assets: $1.9bn on Oct 28, 2026 for United States Oil Fund, LP, and $1.5bn on Oct 27, 2026 for State Street SPDR S&P Homebuilders ETF.

USO on its own →XHB on its own →

At a glance

+133.3%

USO total return, 1 year

−8.6%

XHB total return, 1 year

0.86%

USO expense ratio

0.35%

XHB expense ratio

Pair scorecard

XHB costs 0.51 points a year less; their one-year returns differ by 141.9 points; USO is 1.3 times larger.

USO vs XHB: Differences, Returns & Fees
Measure	USO	XHB
Return
Measure	USO	XHB
Total return, 1 year	+133.3%	−8.6%
Drawdown
Measure	USO	XHB
Below its high	82.3%, high on Jul 14, 2008	20.5%, high on Oct 18, 2024
Benchmark
Measure	USO	XHB
What it tracks	Oil futures	S&P Homebuilders Select Industry Index
Cost and size
Measure	USO	XHB
Expense ratio	0.86%	0.35%
Net assets, as of Oct 27, 2026	$1.9bn	$1.5bn
Holdings
Measure	USO	XHB
Holdings in common	not published
In the S&P 500, by weight		46%
Top ten holdings, share of the fund		35.4%

Method

Side by side

USO United States Oil Fund, LP XHB State Street SPDR S&P Homebuilders ETF

Where it sits Commodity ETF Stock ETF

Issuer USCF State Street

What it is Holds oil futures Tracks the S&P Homebuilders

Total return, 1 year +133.3% −8.6%

Expense ratio 0.86% 0.35%

Holdings not counted 34

Net assets, USO as of Oct 28, 2026 and XHB as of Oct 27, 2026 $1.9bn $1.5bn

USO and XHB on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Alert

About each fund

USO

USO holds oil futures. Over the year to Oct 28, 2026 it returned +133.3% with distributions reinvested. The prospectus expense ratio is 0.86% a year. It sat 82.3% below its high of Jul 14, 2008 on Oct 28, 2026.

XHB

XHB tracks the S&P Homebuilders. Over the year to Oct 28, 2026 it returned −8.6% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 46% of the fund by weight is stocks the S&P 500 also holds, across 34 positions, with the top ten at 35.4%. It sat 20.5% below its high of Oct 18, 2024 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, USO or XHB?: In the year to Oct 28, 2026, with distributions reinvested, USO returned +133.3% and XHB −8.6%.
Which is cheaper, USO or XHB?: XHB is cheaper, by 0.51 percentage points a year. That is about $51 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

USO vs XRT USO vs XLY IYE vs USO KRE vs USO BWET vs XHB GLDM vs XHB IAU vs XHB GLD vs XHB

Where to next

USO on its own →XHB on its own →Hold both: look the portfolio through →Rankings →XHB dividend history →XHB holdings →Standards and sources →

Sources and dates

USCF website ↗

XHB filings on SEC EDGAR ↗

XHB prospectus with the expense ratio (SEC) ↗

State Street website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

Cite this pageCitation, APA and Markdown

ETFIQ, USO against XHB, data as of Oct 28, 2026. https://etfiq.com/compare/any/uso-vs-xhb

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.