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ITB vs XRT

iShares U.S. Home Construction ETF

ITBDCboe

State Street SPDR S&P Retail ETF

XRTBNYSE Arca

Overlap

Expense ratio

XRT −0.02pt a year

ITB0.37%XRT0.35%

Avg volume · 30D

XRT 1.7×the volume

ITB2.25MXRT3.83M

10Y return · a year

ITB +5.2pt

ITB+14.5%XRT+9.3%

ITB vs XRT Performance

Oct 29, 2021 – Oct 30, 2026

+35.4%ITB+1.8%XRT

Oct 29, 2021 to Oct 30, 2026. ITB +35.4%. XRT +1.8%. Use the arrow keys to read each point.−25%50%75%Oct 2021Apr 2024Oct 2026
Expense ratio
ITB 0.37%
XRT 0.35%, better
Fund size
ITB $2.37B
XRT $405M
1Y total return
ITB −6.4%
XRT +10.5%, better
Yield (12M)
ITB 1.36%, better
XRT 0.84%
Holdings
ITB 44
XRT 76
Avg volume (30D)
ITB 2.25M sh
XRT 3.83M sh, better
NAV per share
ITB $92.72
XRT $88.99
52W range

ETF.net Grade

ITB: Cost 29, Risk 17, Mission not scored, Tradability 61, Holdings 30, Durability 81. XRT: Cost 50, Risk 65, Mission 85, Tradability 87, Holdings 85, Durability 59.
Pillar letters and Scores for ITB, XRT, with each pillar’s weight
PillarITBXRT
Cost30% weightD29C50Higher
Mission25% weightNot scoredA85
Risk15% weightF17B65Higher
Tradability15% weightB61A87Higher
Holdings10% weightD30A85Higher
Durability5% weightA81HigherB59

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 XRT 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 ›

XRT ranks 3rd 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 3BXRTState Street SPDR S&P Retail ETFScore 65
  4. Rank 4BVCRVanguard Consumer Discretionary ETFScore 63
  5. Rank 11DRXIiShares Global Consumer Discretionary ETFScore 38
  6. Rank 12DITBiShares U.S. Home Construction ETFScore 36
  7. Rank 13DFXDFirst Trust Consumer Discretionary AlphaDEX FundScore 33

Our read on each fund

ETF.net Research

ITBDiShares U.S. Home Construction ETF

XRTBState Street SPDR S&P Retail 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.

XRT Pure retail, not broad consumer discretionary. XRT equal-weights roughly 80 store chains and online sellers, so a small-cap mall retailer carries about as much freight as a mega-cap giant. It has been the sector's trading vehicle since 2006.

Stated mandate

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

XRT The fund seeks to provide investment results that generally correspond to the total return performance of the S&P Retail Select Industry Index, before fees and expenses.

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.
  • XRT Modified equal weight: the index resets constituents toward equal slices each quarter, so a single giant retailer does not run the whole fund.spglobal.com
  • Retail only: apparel, automotive, broadline, computer and electronics, staples merchandise, drug, food and specialty stores. Car dealers count, carmakers do not.ssga.com
  • Trading since 2006 and very actively traded, one of the older and busier ways to take a targeted position on US retail rather than a whole sector.ssga.com
  • Sticks tightly to its index and stands among the stronger builds in its consumer discretionary peer group. Pays quarterly.

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.
  • XRT At 0.35% it costs more than broad cap-weighted discretionary funds like XLY and FDIS near 0.08%. The focus and the equal weighting are what the extra buys.
  • Equal weighting pulls small and mid-cap chains up next to the giants, so moves can be sharper than a cap-weighted sector fund's.ssga.com
  • One industry, roughly 80 names. When shoppers tighten up, there is no other sector inside the fund to cushion it.

Full ITB profile⁠

Full XRT profile⁠

ITB vs XRT 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 XRT Cost

Overpaying ITB vs XRT

$387

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

  • ITB 0.37%

    $7,513

  • XRT 0.35%

    $7,126

$10,000
30 years

Cost over time

  • ITB 0.37%
  • XRT 0.35%
  • Overpaying
One line per fund, from year 0 to year 30. Use the arrow keys to read each point.$0$2K$4K$6K$8K051015202530ITB $7,513XRT $7,126

Year by year

YearITBXRTOverpaying
10$670$634$36
20$2,590$2,454$136
30$7,513$7,126$387

Expense ratio

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

XRT 6th cheapest of 14 funds

ITB 9th cheapest of 14 funds

ITB vs XRT Dividends

Last 12 months to Oct 30, 2026
Yield (12M)
ITB 1.36%, better
XRT 0.84%
Payout (12M)
ITB $1.26
XRT $0.74
Last payment
ITB $0.75
XRT $0.17
Ex-dividend
ITB Sep 15, 2026
XRT Sep 21, 2026
Paid on
ITB Sep 18, 2026
XRT Sep 23, 2026
Frequency
ITB Quarterly
XRT 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$12017202020232026YTD
XRTQuarterly · 39 paymentsAll XRT payments⁠
One bar per payment. 39 payments from 2017 to 2026 YTD. Mar 17, 2017 $0.11; Jun 16, 2017 $0.20; Sep 15, 2017 $0.18; Dec 15, 2017 $0.20; Mar 16, 2018 $0.13; Jun 15, 2018 $0.17; Sep 21, 2018 $0.16; Dec 21, 2018 $0.17; Mar 15, 2019 $0.14; Jun 21, 2019 $0.19; Sep 20, 2019 $0.18; Dec 20, 2019 $0.21; Mar 23, 2020 $0.17; Jun 22, 2020 $0.09; Sep 21, 2020 $0.13; Dec 21, 2020 $0.25; Mar 22, 2021 $0.16; Jun 21, 2021 $0.12; Sep 20, 2021 $0.19; Dec 20, 2021 $0.93; Mar 21, 2022 $0.09; Jun 21, 2022 $0.32; Sep 19, 2022 $0.34; Dec 19, 2022 $0.54; Mar 20, 2023 $0.21; Jun 20, 2023 $0.31; Sep 18, 2023 $0.17; Dec 18, 2023 $0.33; Mar 18, 2024 $0.15; Jun 24, 2024 $0.37; Sep 23, 2024 $0.12; Dec 23, 2024 $0.56; Mar 24, 2025 $0.18; Jun 23, 2025 $0.21; Sep 22, 2025 $0.10; Dec 22, 2025 $0.17; Mar 23, 2026 $0.21; Jun 22, 2026 $0.19; Sep 21, 2026 $0.17. Use the arrow keys to read each point.$0$12017202020232026YTD

ITB vs XRT Risk

Fall from peak · 5 years

  • ITB
  • XRT
Oct 29, 2021 to Oct 30, 2026. Worst fall: XRT −44.6% · Sep 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%XRT 20.6%, better
Return per unit of riskSharpe ratio, 3 years
ITB 0.29XRT 0.61, better
Worst fallMax drawdown, 5 years
ITB −40.5%, betterXRT −44.6%
Market sensitivityBeta, 5 years
ITB 1.48XRT 1.17

ITB and XRT in the news

All news⁠

Popular comparisons

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    iShares U.S. Home Construction ETF · State Street Consumer Discretionary Select Sector SPDR ETF

    Expense ratio
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