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

In the year to Oct 28, 2026, with distributions reinvested, XHB returned −8.6% and XRT +2.4%.

Which is cheaper, XHB or XRT?

Neither: XHB and XRT both charge 0.35% a year. Fees come from each fund's prospectus.

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

By their latest filed holdings, 46% of XHB and 22% of XRT by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

XHB vs XRT: Differences, Returns & Fees

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Over the year to Oct 28, 2026, XHB returned −8.6% to XRT's +2.4%; 0% 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 $362m for State Street SPDR S&P Retail ETF.

XHB on its own →XRT on its own →

At a glance

−8.6%

XHB total return, 1 year

+2.4%

XRT total return, 1 year

0.35%

XHB expense ratio

0.35%

XRT expense ratio

Pair scorecard

Both cost 0.35% a year; their one-year returns differ by 11.0 points; XHB is 4.1 times larger.

XHB vs XRT: Differences, Returns & Fees
Measure	XHB	XRT
Return
Measure	XHB	XRT
Total return, 1 year	−8.6%	+2.4%
Drawdown
Measure	XHB	XRT
Below its high	20.5%, high on Oct 18, 2024	9.9%, high on Nov 16, 2021
Benchmark
Measure	XHB	XRT
What it tracks	S&P Homebuilders Select Industry Index	S&P Retail Select Industry Index
Cost and size
Measure	XHB	XRT
Expense ratio	0.35%	0.35%
Net assets, as of Oct 27, 2026	$1.5bn	$362m
Holdings
Measure	XHB	XRT
Holdings in common	0%
Top ten holdings, share of the fund	35.4%	16.6%

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

Risk and return

Jun 30, 2006 to Oct 23, 2026 · 1,060 weekly returns

XHB XRT

Return

Total return edge XRT +252.6% +507.2%

Annualized edge XRT +6.4% +9.3%

Price return edge XRT +189.5% +366.0%

Risk

Volatility edge XRT 32.5% 25.8%

Max drawdown edge XRT −78.5% −64.5%

Risk-adjusted

Sharpe edge XRT 0.30 0.41

Sortino edge XRT 0.45 0.60

Calmar edge XRT 0.08 0.14

Reading

XRT returned more: +507.2% to +252.6%. XRT swung less: 25.8% to 32.5%. XRT fell less at its worst: −64.5% to −78.5%.

Full scorecard

9 measures, with how each is measured Open ↓

Risk and return: XHB vs XRT: Differences, Returns & Fees
Measure	XHB	XRT	Edge	How it is measured
Return
Total return	+252.6%	+507.2%	XRT	Price change plus distributions, reinvested.
Annualized	+6.4%	+9.3%	XRT	Total return as a yearly rate.
Price return	+189.5%	+366.0%	XRT	Price change alone, distributions left out.
Risk
Volatility	32.5%	25.8%	XRT	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	21.8%	17.4%	XRT	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	−78.5%	−64.5%	XRT	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	0.30	0.41	XRT	Return above Treasury bills per unit of volatility.
Sortino	0.45	0.60	XRT	Return above Treasury bills per unit of downside deviation.
Calmar	0.08	0.14	XRT	Annualized return divided by the max drawdown.

Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,060 weekly returns. Cash rate: the 13-week Treasury bill.

What they share

By the books each fund has filed, XHB and XRT hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first XHB XRT

Only in one fund ↓

Only in XHB

ALLEGION PLC 3.83%

SHARKNINJA INC 3.76%

WAYFAIR INC CLASS A 3.63%

WILLIAMS SONOMA INC 3.54%

SIMPSON MANUFACTURING CO INC 3.49%

MASCO CORP 3.49%

JOHNSON CONTROLS INTERNATION 3.46%

DR HORTON INC 3.41%

Only in XRT

KOHLS CORP 1.85%

MAPLEBEAR INC 1.76%

BATH + BODY WORKS INC 1.69%

ETSY INC 1.68%

VICTORIA S SECRET + CO 1.66%

BJ S WHOLESALE CLUB HOLDINGS 1.62%

GAMESTOP CORP CLASS A 1.60%

OLLIE S BARGAIN OUTLET HOLDI 1.60%

Check overlap with more funds →

Side by side

XHB State Street SPDR S&P Homebuilders ETF XRT State Street SPDR S&P Retail ETF

Where it sits Stock ETF Stock ETF

Issuer State Street State Street

What it is Tracks the S&P Homebuilders Tracks the S&P Retail

Total return, 1 year −8.6% +2.4%

Expense ratio 0.35% 0.35%

Already in the S&P 500 45.7% 22.5%

Holdings 34 74

Net assets, as of Oct 27, 2026 $1.5bn $362m

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

Client brief · page 1 of 2 Report BR-3E0C1215D6

XHB and XRT 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 XRT follows S&P Retail Select Industry Index.
Holdings in common. 0% 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 XRT +2.4% with distributions reinvested, a gap of 11.0 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.

XRT

XRT tracks the S&P Retail. Over the year to Oct 28, 2026 it returned +2.4% with distributions reinvested. By its holdings published by its issuer for Oct 27, 2026, 22% of the fund by weight is stocks the S&P 500 also holds, across 74 positions, with the top ten at 16.6%. It sat 9.9% below its high of Nov 16, 2021 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, XHB or XRT?: In the year to Oct 28, 2026, with distributions reinvested, XHB returned −8.6% and XRT +2.4%.
Which is cheaper, XHB or XRT?: Neither: XHB and XRT both charge 0.35% a year. Fees come from each fund's prospectus.
How much do XHB and XRT overlap with the S&P 500?: By their latest filed holdings, 46% of XHB and 22% of XRT by weight is stocks the S&P 500 already holds.

Other comparisons

IYC vs XHB FDIS vs XHB ITB vs XHB VCR vs XHB XLY vs XRT IYE vs XRT KRE vs XRT VDC vs XRT

Where to next

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

Sources and dates

XHB and XRT filings on SEC EDGAR ↗

XHB and XRT prospectus with the expense ratio (SEC) ↗

State Street website ↗

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 XRT, data as of Oct 28, 2026. https://etfiq.com/compare/any/xhb-vs-xrt

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