FNDF vs XLY
Comparison between SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETF (FNDF, ETF) and THE CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND (XLY, ETF).
5-Year PerformanceFNDF has outperformed XLY, delivering a return of +13.2% compared to +7.1%
FNDF vs XLY - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Net Assets
FNDF
$21B
Winner
XLY
$21B
Expense Ratio
FNDF
0.25%
Winner
XLY
0.08%
Max Drawdown
Winner
FNDF
43.97%
XLY
60.13%
Sharpe Ratio
Winner
FNDF
2.44
XLY
0.95
5Y Beta
Winner
FNDF
0.69
XLY
1.16
P/E Ratio
FNDF
N/A
XLY
32.36
Forward P/E
FNDF
N/A
XLY
26.44
PEG Ratio
FNDF
N/A
XLY
1.22
5Y Dividends CAGR
Winner
FNDF
13.95%
XLY
7.98%
5Y EPS CAGR
FNDF
N/A
XLY
23.32%
Debt to Equity
FNDF
N/A
XLY
-125.07%
P/S Ratio
FNDF
N/A
XLY
2.43
P/B Ratio
FNDF
N/A
XLY
8.84
FNDF vs XLY - Holdings Comparison
FNDF and XLY have 4 common holdings. Overlap is 0.19%
FNDF's top 25 holdings weight is 25.16%. XLY's top 25 holdings weight is 90.86%.
| Rank | FNDF | XLY |
|---|---|---|
| #1 | SAMSUNG ELECTRONICS CO LTD (n/a) - 4.23% | AMAZON.COM INC (AMZN) - 27.72% |
| #2 | SHELL PLC (n/a) - 2.43% | TESLA INC (TSLA) - 17.75% |
| #3 | TOTALENERGIES SE (TTE:XPAR) - 1.84% | THE HOME DEPOT INC (HD) - 5.44% |
| #4 | BP PLC (n/a) - 1.27% | TJX COMPANIES INC (TJX) - 4.02% |
| #5 | GLENCORE PLC (n/a) - 1.27% | MCDONALD'S CORP (MCD) - 3.91% |
| #6 | BHP GROUP LTD (n/a) - 1.16% | BOOKING HOLDINGS INC (BKNG) - 3.26% |
| #7 | HSBC HOLDINGS PLC (n/a) - 1.01% | LOWE'S COMPANIES INC (LOW) - 3.04% |
| #8 | TOYOTA MOTOR CORP (n/a) - 0.95% | STARBUCKS CORP (SBUX) - 2.79% |
| #9 | ROCHE HOLDING AG COMMON STOCK CHF.001 (n/a) - 0.84% | MARRIOTT INTERNATIONAL INC CLASS A (MAR) - 1.81% |
| #10 | SK HYNIX INC (n/a) - 0.82% | O'REILLY AUTOMOTIVE INC (ORLY) - 1.79% |
| #11 | RIO TINTO PLC ORDINARY SHARES (n/a) - 0.79% | ROSS STORES INC (ROST) - 1.69% |
| #12 | BANCO SANTANDER SA (n/a) - 0.74% | HILTON WORLDWIDE HOLDINGS INC (HLT) - 1.67% |
| #13 | NESTLE SA (n/a) - 0.72% | GENERAL MOTORS CO (GM) - 1.61% |
| #14 | MSCI EAFE JUN26 IFUS 20260619 (n/a) - 0.69% | ROYAL CARIBBEAN GROUP (RCL) - 1.48% |
| #15 | MERCEDES-BENZ GROUP AG (n/a) - 0.65% | DOORDASH INC ORDINARY SHARES CLASS A (DASH) - 1.47% |
| #16 | MITSUBISHI CORP (n/a) - 0.63% | AIRBNB INC ORDINARY SHARES CLASS A (ABNB) - 1.38% |
| #17 | NOVARTIS AG REGISTERED SHARES (n/a) - 0.61% | AUTOZONE INC (AZO) - 1.36% |
| #18 | DEUTSCHE TELEKOM AG (n/a) - 0.61% | CARVANA CO CLASS A (CVNA) - 1.30% |
| #19 | ENI SPA (n/a) - 0.60% | NIKE INC CLASS B (NKE) - 1.23% |
| #20 | BASF SE (n/a) - 0.58% | FORD MOTOR CO (F) - 1.11% |
| #21 | VODAFONE GROUP PLC (n/a) - 0.57% | EBAY INC (EBAY) - 1.09% |
| #22 | BRITISH AMERICAN TOBACCO PLC (n/a) - 0.57% | YUM BRANDS INC (YUM) - 1.03% |
| #23 | SUNCOR ENERGY INC (SU) - 0.55% | CHIPOTLE MEXICAN GRILL INC (CMG) - 1.00% |
| #24 | MITSUI & CO LTD (n/a) - 0.52% | GARMIN LTD (GRMN) - 0.96% |
| #25 | STELLANTIS NV (n/a) - 0.51% | D.R. HORTON INC (DHI) - 0.95% |
| Total Holdings | 904 | 51 |
FNDF vs XLY - Historical Returns
Returns include dividend reinvestment.
1M
FNDF
+3.78%
Winner
XLY
+8.46%
3M
Winner
FNDF
+5.42%
XLY
+2.45%
6M
Winner
FNDF
+24.66%
XLY
+2.33%
1Y
Winner
FNDF
+47.20%
XLY
+20.27%
5Y(CAGR)
Winner
FNDF
+13.19%
XLY
+7.10%
10Y(CAGR)
FNDF
+11.88%
Winner
XLY
+12.89%
Max(CAGR)
FNDF
+9.08%
Winner
XLY
+9.67%
FNDF vs XLY - Annual Returns (1999 - 2026)
Returns include dividend reinvestment.
| Year | FNDF | XLY |
|---|---|---|
| 2026 | +16.13% | +1.76% |
| 2025 | +41.32% | +8.79% |
| 2024 | +3.10% | +27.69% |
| 2023 | +19.50% | +40.48% |
| 2022 | -8.44% | -38.05% |
| 2021 | +14.28% | +29.02% |
| 2020 | +2.60% | +28.11% |
| 2019 | +18.43% | +27.43% |
| 2018 | -14.96% | +0.07% |
| 2017 | +23.02% | +22.10% |
| 2016 | +9.59% | +7.82% |
| 2015 | -5.10% | +10.71% |
| 2014 | -4.27% | +9.97% |
| 2013 | +11.81% | +39.82% |
| 2012 | N/A | +22.56% |
| 2011 | N/A | +4.76% |
| 2010 | N/A | +26.49% |
| 2009 | N/A | +33.87% |
| 2008 | N/A | -31.93% |
| 2007 | N/A | -14.03% |
| 2006 | N/A | +17.58% |
| 2005 | N/A | -5.96% |
| 2004 | N/A | +13.86% |
| 2003 | N/A | +32.22% |
| 2002 | N/A | -18.92% |
| 2001 | N/A | +12.93% |
| 2000 | N/A | -14.27% |
| 1999 | N/A | +10.32% |
FNDF vs XLY Drawdown Comparison
The maximum drawdown for FNDF was -40.19%, occurring on Mar 23, 2020. Recovery took 740 trading sessions.
The maximum drawdown for XLY was -59.05%, occurring on Mar 9, 2009. Recovery took 921 trading sessions.
The current XLY drawdown is -3.28%.
| Rank | FNDF | XLY |
|---|---|---|
| #1 | -40.19% Jan 26, 2018 - Jan 5, 2021 | -59.05% Jun 4, 2007 - Jan 27, 2011 |
| #2 | -27.56% Jul 3, 2014 - Jun 2, 2017 | -39.67% Nov 19, 2021 - Nov 6, 2024 |
| #3 | -25.55% Feb 9, 2022 - Jun 15, 2023 | -33.91% Feb 20, 2020 - Jun 8, 2020 |
| #4 | -13.89% Mar 19, 2025 - May 2, 2025 | -31.54% Mar 19, 2002 - Nov 7, 2003 |
| #5 | -10.60% Feb 27, 2026 - May 6, 2026 | -31.53% Apr 11, 2000 - Mar 15, 2002 |
| #6 | -10.16% Sep 26, 2024 - Mar 5, 2025 | -26.02% Dec 17, 2024 - Sep 12, 2025 |
| #7 | -9.87% Jul 28, 2023 - Dec 13, 2023 | -22.12% Dec 31, 1999 - Apr 11, 2000 |
| #8 | -8.75% Jun 7, 2021 - Jan 12, 2022 | -21.36% Sep 20, 2018 - Apr 4, 2019 |
| #9 | -7.50% Jul 12, 2024 - Aug 21, 2024 | -18.42% Jul 7, 2011 - Jan 19, 2012 |
| #10 | -6.66% Jan 15, 2014 - Feb 18, 2014 | -15.84% Nov 25, 2015 - Jul 11, 2016 |
| #11 | -5.31% Jan 14, 2021 - Feb 11, 2021 | -14.98% Jan 12, 2026 - Mar 30, 2026 |
| #12 | -4.93% Jan 14, 2022 - Feb 9, 2022 | -12.72% Dec 30, 2004 - Sep 25, 2006 |
| #13 | -4.87% Nov 12, 2025 - Dec 3, 2025 | -11.45% Aug 4, 2015 - Oct 26, 2015 |
| #14 | -4.36% Apr 9, 2024 - May 9, 2024 | -10.80% Apr 5, 2004 - Oct 28, 2004 |
| #15 | -4.27% Jul 23, 2025 - Aug 12, 2025 | -10.03% Feb 8, 2021 - Apr 5, 2021 |
Correlation
Correlation between FNDF and XLY is 0.90 which considered as a strong positive correlation - the stocks tend to move together.
0.90
-101
Dividend Comparison (1999 - 2026)
FNDF vs XLY dividend yield comparison.
| Year | FNDF | XLY |
|---|---|---|
| 2026 | 0.00% | 0.18% |
| 2025 | 3.44% | 0.79% |
| 2024 | 4.01% | 0.72% |
| 2023 | 3.41% | 0.78% |
| 2022 | 3.10% | 1.00% |
| 2021 | 3.54% | 0.53% |
| 2020 | 2.17% | 0.82% |
| 2019 | 3.20% | 1.28% |
| 2018 | 3.47% | 1.34% |
| 2017 | 2.32% | 1.20% |
| 2016 | 2.42% | 1.71% |
| 2015 | 2.08% | 1.43% |
| 2014 | 1.84% | 1.31% |
| 2013 | 0.48% | 1.16% |
| 2012 | 0.00% | 1.60% |
| 2011 | 0.00% | 1.56% |
| 2010 | 0.00% | 1.32% |
| 2009 | 0.00% | 1.52% |
| 2008 | 0.00% | 1.94% |
| 2007 | 0.00% | 1.37% |
| 2006 | 0.00% | 0.92% |
| 2005 | 0.00% | 1.00% |
| 2004 | 0.00% | 0.67% |
| 2003 | 0.00% | 0.62% |
| 2002 | 0.00% | 0.74% |
| 2001 | 0.00% | 0.77% |
| 2000 | 0.00% | 0.91% |
| 1999 | 0.00% | 0.12% |
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