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

In the year to Oct 28, 2026, with distributions reinvested, XHB returned −8.6% and XLY −3.6%.

Which is cheaper, XHB or XLY?

XLY is cheaper, by 0.27 percentage points a year. That is about $27 on $10,000 held for a year. Fees come from each fund's prospectus.

How much do XHB and XLY overlap with the S&P 500?

By their latest filed holdings, 46% of XHB and 100% of XLY by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

XHB vs XLY: Differences, Returns & Fees

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Over the year to Oct 28, 2026, XHB returned −8.6% to XLY's −3.6%; 9% of their weight is in the same names.

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Net assets on Oct 27, 2026: $1.5bn for State Street SPDR S&P Homebuilders ETF and $22.4bn for State Street Consumer Discretionary Select Sector SPDR ETF.

XHB on its own →XLY on its own →

At a glance

−8.6%

XHB total return, 1 year

−3.6%

XLY total return, 1 year

0.35%

XHB expense ratio

0.08%

XLY expense ratio

Pair scorecard

XLY costs 0.27 points a year less; their one-year returns differ by 5.0 points; XLY is 14.9 times larger.

XHB vs XLY: Differences, Returns & Fees
Measure	XHB	XLY
Return
Measure	XHB	XLY
Total return, 1 year	−8.6%	−3.6%
Drawdown
Measure	XHB	XLY
Below its high	20.5%, high on Oct 18, 2024	6.8%, high on Jan 12, 2026
Benchmark
Measure	XHB	XLY
What it tracks	S&P Homebuilders Select Industry Index	Consumer Discretionary Select Sector Index
Cost and size
Measure	XHB	XLY
Expense ratio	0.35%	0.08%
Net assets, as of Oct 27, 2026	$1.5bn	$22.4bn
Holdings
Measure	XHB	XLY
Holdings in common	9%
Top ten holdings, share of the fund	35.4%	68.5%

Holdings in common uses holdings dated Oct 27, 2026. Method

Risk and return

Feb 17, 2006 to Oct 23, 2026 · 1,079 weekly returns

XHB XLY

Return

Total return edge XLY +167.9% +771.7%

Annualized edge XLY +4.9% +11.0%

Price return edge XLY +119.5% +572.8%

Risk

Volatility edge XLY 32.4% 21.8%

Max drawdown edge XLY −81.4% −58.4%

Risk-adjusted

Sharpe edge XLY 0.25 0.51

Sortino edge XLY 0.38 0.75

Calmar edge XLY 0.06 0.19

Reading

XLY returned more: +771.7% to +167.9%. XLY swung less: 21.8% to 32.4%. XLY fell less at its worst: −58.4% to −81.4%.

Full scorecard

9 measures, with how each is measured Open ↓

Risk and return: XHB vs XLY: Differences, Returns & Fees
Measure	XHB	XLY	Edge	How it is measured
Return
Total return	+167.9%	+771.7%	XLY	Price change plus distributions, reinvested.
Annualized	+4.9%	+11.0%	XLY	Total return as a yearly rate.
Price return	+119.5%	+572.8%	XLY	Price change alone, distributions left out.
Risk
Volatility	32.4%	21.8%	XLY	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	21.8%	14.7%	XLY	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	−81.4%	−58.4%	XLY	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	0.25	0.51	XLY	Return above Treasury bills per unit of volatility.
Sortino	0.38	0.75	XLY	Return above Treasury bills per unit of downside deviation.
Calmar	0.06	0.19	XLY	Annualized return divided by the max drawdown.

Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,079 weekly returns. Cash rate: the 13-week Treasury bill.

What they share

By the books each fund has filed, XHB and XLY hold 9% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

9% in common

Positions both hold · largest shared weight first XHB XLY

HOME DEPOT INC 3.30% 5.30%

LOWE S COS INC 3.21% 2.92%

DR HORTON INC 3.41% 0.98%

WILLIAMS SONOMA INC 3.54% 0.78%

PULTEGROUP INC 3.29% 0.60%

LENNAR CORP A 3.37% 0.43%

NVR INC 3.02% 0.39%

Only in one fund ↓

Only in XHB

ALLEGION PLC 3.83%

SHARKNINJA INC 3.76%

WAYFAIR INC CLASS A 3.63%

SIMPSON MANUFACTURING CO INC 3.49%

MASCO CORP 3.49%

JOHNSON CONTROLS INTERNATION 3.46%

TOLL BROTHERS INC 3.38%

TRANE TECHNOLOGIES PLC 3.34%

Only in XLY

AMAZON.COM INC 22.43%

TESLA INC 19.15%

MCDONALD S CORP 4.31%

TJX COMPANIES INC 4.07%

STARBUCKS CORP 3.09%

BOOKING HOLDINGS INC 2.97%

MARRIOTT INTERNATIONAL CL A 2.19%

HILTON WORLDWIDE HOLDINGS IN 2.04%

Check overlap with more funds →

Side by side

XHB State Street SPDR S&P Homebuilders ETF XLY State Street Consumer Discretionary Select Sector SPDR ETF

Where it sits Stock ETF Stock ETF

Issuer State Street State Street

What it is Tracks the S&P Homebuilders Tracks an index of Consumer discretionary

Total return, 1 year −8.6% −3.6%

Its benchmark over the same days not measured +13.6% (SPY)

Gap to its benchmark not measured −17.2 pts vs SPY

Expense ratio 0.35% 0.08%

Already in the S&P 500 45.7% 99.9%

Holdings 34 48

Net assets, as of Oct 27, 2026 $1.5bn $22.4bn

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

Client brief · page 1 of 2 Report BR-7F99E2E6F4

XHB and XLY are built for the same job. How do they differ in cost, holdings and results?

What each follows. XHB follows S&P Homebuilders Select Industry Index and XLY follows Consumer Discretionary Select Sector Index.
Holdings in common. 9% of the weight is in the same securities (holdings dated Oct 27, 2026).
One-year total return. Over 1 year to Oct 28, 2026 XHB returned −8.6% and XLY −3.6% with distributions reinvested, a gap of 5.0 points.

Data as of Oct 28, 2026.

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About each fund

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.

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, XHB or XLY?: In the year to Oct 28, 2026, with distributions reinvested, XHB returned −8.6% and XLY −3.6%.
Which is cheaper, XHB or XLY?: XLY is cheaper, by 0.27 percentage points a year. That is about $27 on $10,000 held for a year. Fees come from each fund's prospectus.
How much do XHB and XLY overlap with the S&P 500?: By their latest filed holdings, 46% of XHB and 100% of XLY by weight is stocks the S&P 500 already holds.

Other comparisons

VCR vs XHB ITB vs XHB FDIS vs XHB IYC vs XHB XLY vs XRT FDIS vs XLY ITB vs XLY VCR vs XLY

Where to next

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

Sources and dates

XHB filings on SEC EDGAR ↗

XHB prospectus with the expense ratio (SEC) ↗

State Street website ↗

XLY filings on SEC EDGAR ↗

XLY prospectus with the expense ratio (SEC) ↗

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.

Cite this pageCitation, APA and Markdown

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

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