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ITB vs XLY

iShares U.S. Home Construction ETF

ITBDCboe

State Street Consumer Discretionary Select Sector SPDR ETF

XLYANYSE Arca

Overlap

10.0%by weight

Expense ratio

XLY −0.29pt a year

ITB0.37%XLY0.08%

Avg volume · 30D

XLY 3.1×the volume

ITB2.25MXLY7.02M

10Y return · a year

ITB +1.9pt

ITB+14.5%XLY+12.6%

ITB vs XLY Performance

Oct 29, 2021 – Oct 30, 2026

+35.4%ITB+19.6%XLY

Oct 29, 2021 to Oct 30, 2026. ITB +35.4%. XLY +19.6%. Use the arrow keys to read each point.−25%0%50%75%Oct 2021Apr 2024Oct 2026
Expense ratio
ITB 0.37%
XLY 0.08%, better
Fund size
ITB $2.37B
XLY $22.5B
1Y total return
ITB −6.4%
XLY −3.0%, better
Yield (12M)
ITB 1.36%, better
XLY 0.81%
Holdings
ITB 44
XLY 50
Avg volume (30D)
ITB 2.25M sh
XLY 7.02M sh, better
NAV per share
ITB $92.72
XLY $116.15
52W range

ETF.net Grade

ITB: Cost 29, Risk 17, Mission not scored, Tradability 61, Holdings 30, Durability 81. XLY: Cost 96, Risk 51, Mission 81, Tradability 100, Holdings 39, Durability 79.
Pillar letters and Scores for ITB, XLY, with each pillar’s weight
PillarITBXLY
Cost30% weightD29A96Higher
Mission25% weightNot scoredA81
Risk15% weightF17C51Higher
Tradability15% weightB61A100Higher
Holdings10% weightD30D39Higher
Durability5% weightA81HigherA79

Rank among Consumer Discretionary (Broad) funds

How we build Categories ›
Same Category. Both funds are graded against the same funds, so their Grades compare head to head.

Same Category. ITB and XLY are both graded against the same 14 Consumer Discretionary (Broad) funds, so their Grades compare head to head.

Consumer Discretionary (Broad)⁠

Category · 14 funds
See all 14 ›

XLY ranks 1st and ITB 12th of 14 funds in the Consumer Discretionary (Broad) Category.

  1. Rank 1AXLYState Street Consumer Discretionary Select Sector SPDR ETFScore 79
  2. Rank 2BFDISFidelity MSCI Consumer Discretionary Index ETFScore 69
  3. Rank 11DRXIiShares Global Consumer Discretionary ETFScore 38
  4. Rank 12DITBiShares U.S. Home Construction ETFScore 36
  5. Rank 13DFXDFirst Trust Consumer Discretionary AlphaDEX FundScore 33

Our read on each fund

ETF.net Research

ITBDiShares U.S. Home Construction ETF

XLYAState Street Consumer Discretionary Select Sector SPDR ETF

In short

ITB Launched in 2006, right at the top of the housing boom, ITB is the long-running pure play on American homebuilding: roughly 40 US stocks tracking one home construction index, with no global detours.

XLY Live since 1998 as one of the original Select Sector SPDRs, XLY bundles the S&P 500's spending-money stocks (cars, couches, burgers, online carts) into one heavily traded ticker at eight basis points.

Stated mandate

ITB Seeks to track an index of U.S. equities focused on the home construction sector.

XLY The fund seeks to track the performance of the Consumer Discretionary Select Sector Index, providing targeted exposure to companies in the consumer discretionary sector.

Why people hold it

  • ITB Undiluted exposure by design: about 40 US names tracking the Dow Jones U.S. Select Home Construction Index, rather than a broad consumer basket where builders are a rounding error.ishares.com
  • Trading since 2006, so this fund has a live track record through multiple full housing cycles instead of a back-test.
  • A billion-dollar-plus fund that trades actively, which is why it has long been the default vehicle when investors want a housing position in one ticker.
  • XLY Charges 0.08% a year, a fraction of the roughly 0.35% typical for consumer discretionary funds, and tied for the cheapest in its peer group.
  • A multi-billion-dollar fund and one of the most actively traded in the category, which generally shows up as tight bid-ask spreads for buyers and sellers.
  • Plain mandate: S&P 500 consumer discretionary members, with capping rules that stop any single company from swallowing the index. Pays quarterly.spglobal.com
  • Trading since December 1998 as one of the first US sector funds, and it still stands among the strongest implementations in its peer group.

Worth knowing

  • ITB Costs 0.37% a year, a touch above the typical fund in its consumer discretionary peer group, and broad sector options like XLY and FDIS run 0.08%.
  • Roughly 40 stocks in one cyclical industry: the ride is bumpier than a diversified sector fund, and mortgage-rate news hits this basket hard in both directions.ishares.com
  • US-only, and built for share-price exposure to homebuilding, not income. Distributions arrive quarterly.
  • XLY About 50 stocks. Even with the index caps, a small handful of megacaps drives most of the movement.spglobal.com
  • S&P 500 members only, so smaller retailers and restaurant chains sit outside the index entirely.spglobal.com
  • One sector, and a cyclical one: discretionary spending rises and falls with the economy, and the fund is classified as non-diversified.sec.govbritannica.com

Full ITB profile⁠

Full XLY profile⁠

ITB vs XLY Holdings

How ITB and XLY differ

Overlap by weight

10.0%

Shared holdings make up 53.6% of ITB and 10.9% of XLY.

Level by level

  • Sector10 Sectors0.0%
  • Holdings6 in both10.0%
  • Countryby domicile98.8%
  • Asset classEquity100%

Sector

Sector weights in ITB and XLY, widest gap first
SectorMore in ITBMore in XLY
Consumer DiscretionaryXLY +97.0 points
HomebuildingITB +64.5 points
Building ProductsITB +17.7 points
Home Improvement RetailITB +10.1 points
Specialty ChemicalsITB +4.4 points
HOME FURNISHINGSITB +1.8 points
CommunicationXLY +1.7 points
TechnologyXLY +1.3 points
Construction MaterialsITB +1.2 points
Homefurnishing RetailITB +0.3 points

Country, concentration and asset class

Country by domicile

Country weights in ITB and XLY, widest gap first
CountryMore in ITBMore in XLY
United StatesITB +1.2 points
SwitzerlandXLY +1.2 points

Concentration

Weight in the 10 largest Holdings

  • ITB68.6%
  • XLY67.7%

Securities held

  • ITB42
  • XLY48

Asset class

ITB
Equity
XLY
Equity

Holdings

  • Only in ITB36
  • In both6
  • Only in XLY42

Only in ITB

36 securities, 46.4% of ITB by weight

  • Toll Brothers Inc4.72%
  • Sherwin Williams4.41%
  • Masco3.43%

Only in XLY

42 securities, 89.0% of XLY by weight

  • Amazon.com Inc21.47%
  • Tesla Inc18.84%
  • McDonald’s Corp4.42%

Weight gaps

All 6 Holdings in both funds, largest gap first.

Holding weights in ITB and XLY, widest gap first
HoldingMore in ITBMore in XLY
D R HortonDHIITB +16.97 points
PultegroupPHMITB +10.68 points
Lennar A Class ALENITB +7.70 points
NvrNVRITB +6.88 points
Lowes Companies IncLOWITB +1.43 points
Home DepotHDXLY +0.93 points

All 42 ITB holdings⁠All 47 XLY holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

ITB vs XLY Cost

Overpaying ITB vs XLY

$5,824

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

  • ITB 0.37%

    $7,513

  • XLY 0.08%

    $1,689

$10,000
30 years

Cost over time

  • ITB 0.37%
  • XLY 0.08%
  • Overpaying
One line per fund, from year 0 to year 30. Use the arrow keys to read each point.$0$2K$4K$6K$8K051015202530ITB $7,513XLY $1,689

Year by year

YearITBXLYOverpaying
10$670$147$523
20$2,590$575$2,015
30$7,513$1,689$5,824

Expense ratio

  • 0.37%ITB
  • 0.08%XLY, cheaper
  • Middle half of Consumer Discretionary (Broad) funds
  • Median 0.35%

XLY cheapest of 14 funds

ITB 9th cheapest of 14 funds

ITB vs XLY Dividends

Last 12 months to Oct 30, 2026
Yield (12M)
ITB 1.36%, better
XLY 0.81%
Payout (12M)
ITB $1.26
XLY $0.93
Last payment
ITB $0.75
XLY $0.24
Ex-dividend
ITB Sep 15, 2026
XLY Sep 21, 2026
Paid on
ITB Sep 18, 2026
XLY Sep 23, 2026
Frequency
ITB Quarterly
XLY Quarterly

Distribution history

Per share, 2017 to 2026, same scale for both

ITBQuarterly · 39 paymentsAll ITB payments⁠
One bar per payment. 39 payments from 2017 to 2026 YTD. Mar 24, 2017 $0.03; Jun 27, 2017 $0.03; Sep 26, 2017 $0.03; Dec 19, 2017 $0.03; Mar 22, 2018 $0.05; Jun 26, 2018 $0.05; Sep 26, 2018 $0.04; Dec 17, 2018 $0.06; Mar 20, 2019 $0.06; Jun 17, 2019 $0.06; Sep 24, 2019 $0.05; Dec 16, 2019 $0.06; Mar 25, 2020 $0.08; Jun 15, 2020 $0.05; Sep 23, 2020 $0.05; Dec 14, 2020 $0.08; Mar 25, 2021 $0.08; Jun 10, 2021 $0.07; Sep 24, 2021 $0.09; Dec 13, 2021 $0.07; Mar 24, 2022 $0.15; Jun 9, 2022 $0.10; Sep 26, 2022 $0.15; Dec 13, 2022 $0.12; Mar 23, 2023 $0.14; Jun 7, 2023 $0.10; Sep 26, 2023 $0.15; Dec 20, 2023 $0.10; Mar 21, 2024 $0.14; Jun 11, 2024 $0.09; Sep 25, 2024 $0.12; Dec 17, 2024 $0.12; Mar 18, 2025 $0.66; Jun 16, 2025 $0.65; Sep 16, 2025 $0.13; Dec 16, 2025 $0.17; Mar 17, 2026 $0.18; Jun 15, 2026 $0.16; Sep 15, 2026 $0.75. Use the arrow keys to read each point.$0$0.502017202020232026YTD
XLYQuarterly · 39 paymentsAll XLY payments⁠
One bar per payment. 39 payments from 2017 to 2026 YTD. Mar 17, 2017 $0.13; Jun 16, 2017 $0.14; Sep 15, 2017 $0.16; Dec 15, 2017 $0.17; Mar 16, 2018 $0.16; Jun 15, 2018 $0.15; Sep 21, 2018 $0.18; Dec 21, 2018 $0.19; Mar 15, 2019 $0.19; Jun 21, 2019 $0.21; Sep 20, 2019 $0.20; Dec 20, 2019 $0.20; Mar 23, 2020 $0.21; Jun 22, 2020 $0.15; Sep 21, 2020 $0.15; Dec 21, 2020 $0.15; Mar 22, 2021 $0.13; Jun 21, 2021 $0.13; Sep 20, 2021 $0.14; Dec 20, 2021 $0.15; Mar 21, 2022 $0.14; Jun 21, 2022 $0.16; Sep 19, 2022 $0.17; Dec 19, 2022 $0.18; Mar 20, 2023 $0.22; Jun 20, 2023 $0.17; Sep 18, 2023 $0.15; Dec 18, 2023 $0.16; Mar 18, 2024 $0.19; Jun 24, 2024 $0.20; Sep 23, 2024 $0.20; Dec 23, 2024 $0.22; Mar 24, 2025 $0.27; Jun 23, 2025 $0.22; Sep 22, 2025 $0.21; Dec 22, 2025 $0.24; Mar 23, 2026 $0.22; Jun 22, 2026 $0.23; Sep 21, 2026 $0.24. Use the arrow keys to read each point.$0$0.502017202020232026YTD

ITB vs XLY Risk

Fall from peak · 5 years

  • ITB
  • XLY
Oct 29, 2021 to Oct 30, 2026. Worst fall: ITB −40.5% · Jun 2022. Use the arrow keys to read each point.−40%−30%−20%−10%0%Oct 2021Apr 2024Oct 2026

Risk facts

VolatilityStd dev, 3 years
ITB 30.7%XLY 17.7%, better
Return per unit of riskSharpe ratio, 3 years
ITB 0.29XLY 0.67, better
Worst fallMax drawdown, 5 years
ITB −40.5%XLY −39.7%, better
Market sensitivityBeta, 5 years
ITB 1.48XLY 1.22

ITB and XLY in the news

All news⁠

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