Data as of Sep 13, 2026. Both funds on the fields they both publish, from the same sources.
XBI vs XLU: how they differ
XBI and XLU hold 0% of their weight in the same names, and XBI returned more over the year.
State Street(R) SPDR(R) S&P(R) Biotech ETF and State Street(R) Utilities Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, XBI and XLU hold 0% of their money in the same securities at the same weight.
| Holding | XBI | XLU |
|---|---|---|
| SSI US GOV MONEY MARKET CLASS | 0.08% | 0.16% |
| Only in XBI | Only in XLU |
|---|---|
| MODERNA INC 2.87% | NEXTERA ENERGY INC 13.01% |
| TWIST BIOSCIENCE CORP 1.81% | SOUTHERN CO/THE 7.49% |
| HALOZYME THERAPEUTICS INC 1.47% | DUKE ENERGY CORP 7.04% |
| NATERA INC 1.46% | CONSTELLATION ENERGY 6.92% |
| KYMERA THERAPEUTICS INC 1.45% | AMERICAN ELECTRIC POWER 5.08% |
| TRAVERE THERAPEUTICS INC 1.40% | DOMINION ENERGY INC 4.33% |
| ROIVANT SCIENCES LTD 1.39% | SEMPRA 4.16% |
| ORUKA THERAPEUTICS INC 1.38% | ENTERGY CORP 3.66% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Sep 10, 2026.
| XBI State Street(R) SPDR(R) S&P(R) Biotech ETF | XLU State Street(R) Utilities Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | State Street | State Street |
| What it is | SPDR S&P Biotech | Utilities |
| Total return, 1 year | +64.0% | +2.4% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | +46.5 pts | −15.1 pts |
| Expense ratio | 0.35% | 0.08% |
| Already in the S&P 500 | 8.5% | 100.0% |
| Holdings | 154 | 32 |
XBI in plain words
XBI is an index equity fund tracking the SPDR S&P Biotech. Over the year to Sep 11, 2026 it returned +64.0% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.35% a year. By its holdings filed for Sep 10, 2026, 8% of the fund by weight is stocks the S&P 500 also holds, across 154 positions, with the top ten at 15.9%. It sat 9.6% below its high of Feb 8, 2021 on Sep 11, 2026.
XLU in plain words
XLU is an index equity fund tracking the Utilities. Over the year to Sep 11, 2026 it returned +2.4% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Sep 10, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 32 positions, with the top ten at 58.8%. It sat 10.0% below its high of Feb 27, 2026 on Sep 11, 2026.
Questions people ask
- Which returned more over the last year, XBI or XLU?
- In the year to Sep 13, 2026, with distributions reinvested, XBI returned +64.0% and XLU returned +2.4%, so XBI returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, XBI or XLU?
- XBI charges 0.35% a year and XLU charges 0.08%, so XLU is cheaper. Fees come from each fund's prospectus.
- How much do XBI and XLU overlap with the S&P 500?
- By their latest filed holdings, 8% of XBI and 100% of XLU by weight is stocks the S&P 500 already holds. Between the two funds, 0% of their books are the same securities at the same weight.
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Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, XBI against XLU, data as of Sep 13, 2026. https://etfiq.com/compare/any/xbi-vs-xlu Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources