BIV vs XLF

Comparison between VANGUARD INTERMEDIATE-TERM BOND INDEX FUND ETF SHARES (BIV, ETF) and THE FINANCIAL SELECT SECTOR SPDR FUND (XLF, ETF).

5-Year PerformanceXLF has outperformed BIV, delivering a return of +8.9% compared to +0.5%

BIV vs XLF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BIV(ETF)	XLF(ETF)
Net Assets	$52B	$52B
Expense Ratio	N/A	0.08%
Max Drawdown	25.30%	83.75%
Sharpe Ratio	0.35	0.16
5Y Beta	0.03	0.81
P/E Ratio	N/A	16.19
Forward P/E	N/A	14.87
PEG Ratio	N/A	0.55
5Y Dividends CAGR	3.55%	5.32%
5Y EPS CAGR	N/A	11.41%
Debt to Equity	N/A	71.14%
P/S Ratio	N/A	3.34
P/B Ratio	N/A	2.21

Net Assets

Winner

BIV

$52B

XLF

$52B

Expense Ratio

BIV

N/A

XLF

0.08%

Max Drawdown

Winner

BIV

25.30%

XLF

83.75%

Sharpe Ratio

Winner

BIV

0.35

XLF

0.16

5Y Beta

Winner

BIV

0.03

XLF

0.81

P/E Ratio

BIV

N/A

XLF

16.19

Forward P/E

BIV

N/A

XLF

14.87

PEG Ratio

BIV

N/A

XLF

0.55

5Y Dividends CAGR

BIV

3.55%

Winner

XLF

5.32%

5Y EPS CAGR

BIV

N/A

XLF

11.41%

Debt to Equity

BIV

N/A

XLF

71.14%

P/S Ratio

BIV

N/A

XLF

3.34

P/B Ratio

BIV

N/A

XLF

2.21

BIV vs XLF - Historical Returns

Returns include dividend reinvestment.

Period	BIV	XLF
1 month	-0.63%	-0.15%
3 months	-1.21%	+0.30%
6 months	-0.02%	-3.07%
1 year	+5.54%	+2.95%
5 years(CAGR)	+0.45%	+8.92%
10 years(CAGR)	+1.95%	+12.70%
Max(CAGR)	+3.84%	+5.59%

BIV

-0.63%

Winner

XLF

-0.15%

BIV

-1.21%

Winner

XLF

+0.30%

Winner

BIV

-0.02%

XLF

-3.07%

Winner

BIV

+5.54%

XLF

+2.95%

5Y(CAGR)

BIV

+0.45%

Winner

XLF

+8.92%

10Y(CAGR)

BIV

+1.95%

Winner

XLF

+12.70%

Max(CAGR)

BIV

+3.84%

Winner

XLF

+5.59%

BIV vs XLF - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	BIV	XLF
2026	-0.24%	-5.62%
2025	+8.48%	+15.17%
2024	+2.01%	+29.99%
2023	+5.52%	+11.63%
2022	-12.65%	-11.69%
2021	-2.39%	+36.68%
2020	+9.43%	-2.62%
2019	+10.08%	+30.78%
2018	+0.14%	-13.07%
2017	+3.73%	+20.65%
2016	+2.78%	+24.85%
2015	+0.81%	-1.74%
2014	+7.02%	+15.69%
2013	-3.49%	+31.71%
2012	+6.89%	+25.14%
2011	+11.22%	-18.93%
2010	+8.70%	+9.70%
2009	+5.49%	+16.31%
2008	+6.85%	-54.06%
2007	+6.32%	-19.59%
2006	N/A	+17.23%
2005	N/A	+6.58%
2004	N/A	+11.02%
2003	N/A	+25.90%
2002	N/A	-14.65%
2001	N/A	-6.80%
2000	N/A	+30.76%
1999	N/A	-5.52%

BIV vs XLF Drawdown Comparison

The maximum drawdown for BIV was -18.95%, occurring on Oct 20, 2022. Recovery took 1387 trading sessions.

The maximum drawdown for XLF was -82.72%, occurring on Mar 6, 2009. Recovery took 2555 trading sessions.

The current BIV drawdown is -2.07%. The current XLF drawdown is -8.08%.

Rank	BIV	XLF
#1	-18.95% Aug 6, 2020 - Feb 13, 2026	-82.72% Jun 1, 2007 - Jul 25, 2017
#2	-13.63% Sep 15, 2008 - Dec 16, 2008	-42.83% Feb 14, 2020 - Jan 6, 2021
#3	-9.16% Mar 6, 2020 - May 22, 2020	-36.64% Jan 3, 2001 - Jan 15, 2004
#4	-7.66% May 1, 2013 - Aug 13, 2014	-25.82% Jan 12, 2022 - Feb 22, 2024
#5	-6.02% Nov 4, 2010 - Jun 1, 2011	-25.34% Nov 16, 1999 - Jun 2, 2000
#6	-5.93% Jul 8, 2016 - Sep 5, 2017	-24.66% Jan 26, 2018 - Nov 4, 2019
#7	-5.76% Dec 30, 2008 - Jul 8, 2009	-15.55% Feb 19, 2025 - Jun 27, 2025
#8	-5.05% Sep 7, 2017 - Jan 31, 2019	-14.80% Jan 6, 2026 - Mar 27, 2026
#9	-3.93% Mar 19, 2008 - Sep 15, 2008	-14.09% Sep 11, 2000 - Dec 26, 2000
#10	-3.59% Jan 30, 2015 - Feb 2, 2016	-11.52% Jun 2, 2000 - Aug 4, 2000
#11	-3.14% May 8, 2007 - Aug 17, 2007	-10.19% Mar 5, 2004 - Dec 1, 2004
#12	-2.87% Feb 27, 2026 - Mar 26, 2026	-9.13% Feb 15, 2005 - Jul 14, 2005
#13	-2.77% Sep 22, 2011 - Dec 16, 2011	-8.42% Jun 4, 2021 - Aug 10, 2021
#14	-2.74% Nov 30, 2009 - Mar 2, 2010	-8.32% Feb 20, 2007 - May 9, 2007
#15	-2.46% Sep 4, 2019 - Oct 4, 2019	-7.98% Jan 14, 2021 - Feb 12, 2021

Correlation

Correlation between BIV and XLF is 0.75 which considered as a strong positive correlation - the stocks tend to move together.

0.75

-101

Dividend Comparison (1999 - 2026)

BIV vs XLF dividend yield comparison.

Year	BIV	XLF
2026	1.41%	0.49%
2025	4.01%	1.31%
2024	3.79%	1.42%
2023	3.09%	1.71%
2022	2.41%	2.04%
2021	3.42%	1.63%
2020	2.95%	2.03%
2019	2.75%	1.87%
2018	2.88%	2.08%
2017	2.69%	1.48%
2016	3.01%	21.10%
2015	3.02%	1.95%
2014	3.42%	1.60%
2013	4.22%	1.47%
2012	5.15%	1.76%
2011	5.17%	1.73%
2010	4.54%	0.98%
2009	4.39%	1.71%
2008	4.45%	6.15%
2007	3.09%	3.00%
2006	0.00%	2.52%
2005	0.00%	2.24%
2004	0.00%	2.05%
2003	0.00%	1.84%
2002	0.00%	2.03%
2001	0.00%	1.53%
2000	0.00%	1.23%
1999	0.00%	0.35%