SCHR vs SPY

Comparison between SCHWAB INTERMEDIATE-TERM U.S. TREASURY ETF (SCHR, ETF) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed SCHR, delivering a return of +13.3% compared to +0.2%

SCHR vs SPY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	SCHR(ETF)	SPY(ETF)
Net Assets	$13B	$652B
Expense Ratio	0.03%	0.09%
Max Drawdown	20.13%	56.47%
Sharpe Ratio	-0.00	2.07
5Y Beta	-0.01	1.00
P/E Ratio	N/A	28.24
Forward P/E	N/A	21.85
5Y Dividends CAGR	21.51%	5.43%
5Y EPS CAGR	N/A	25.79%
Debt to Equity	N/A	22.35%
P/S Ratio	N/A	3.55
P/B Ratio	N/A	5.29

Net Assets

SCHR

$13B

Winner

SPY

$652B

Expense Ratio

Winner

SCHR

0.03%

SPY

0.09%

Max Drawdown

Winner

SCHR

20.13%

SPY

56.47%

Sharpe Ratio

SCHR

-0.00

Winner

SPY

2.07

5Y Beta

Winner

SCHR

-0.01

SPY

1.00

P/E Ratio

SCHR

N/A

SPY

28.24

Forward P/E

SCHR

N/A

SPY

21.85

5Y Dividends CAGR

Winner

SCHR

21.51%

SPY

5.43%

5Y EPS CAGR

SCHR

N/A

SPY

25.79%

Debt to Equity

SCHR

N/A

SPY

22.35%

P/S Ratio

SCHR

N/A

SPY

3.55

P/B Ratio

SCHR

N/A

SPY

5.29

SCHR vs SPY - Historical Returns

Returns include dividend reinvestment.

Period	SCHR	SPY
1 month	-0.04%	+9.11%
3 months	-0.18%	+6.59%
6 months	+0.50%	+10.56%
1 year	+4.19%	+32.04%
5 years(CAGR)	+0.19%	+13.35%
10 years(CAGR)	+1.29%	+15.49%
Max(CAGR)	+1.96%	+8.50%

SCHR

-0.04%

Winner

SPY

+9.11%

SCHR

-0.18%

Winner

SPY

+6.59%

SCHR

+0.50%

Winner

SPY

+10.56%

SCHR

+4.19%

Winner

SPY

+32.04%

5Y(CAGR)

SCHR

+0.19%

Winner

SPY

+13.35%

10Y(CAGR)

SCHR

+1.29%

Winner

SPY

+15.49%

Max(CAGR)

SCHR

+1.96%

Winner

SPY

+8.50%

SCHR vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	SCHR	SPY
2026	+0.17%	+8.27%
2025	+7.37%	+18.00%
2024	+1.68%	+25.59%
2023	+3.85%	+26.72%
2022	-10.09%	-18.64%
2021	-2.67%	+30.52%
2020	+7.50%	+17.28%
2019	+6.13%	+31.09%
2018	+1.46%	-5.24%
2017	+1.52%	+20.78%
2016	+0.84%	+13.59%
2015	+1.40%	+1.31%
2014	+4.28%	+14.56%
2013	-2.60%	+29.00%
2012	+2.67%	+14.17%
2011	+10.32%	+0.85%
2010	-0.88%	+13.14%
2009	N/A	+22.67%
2008	N/A	-36.25%
2007	N/A	+5.32%
2006	N/A	+13.85%
2005	N/A	+5.32%
2004	N/A	+10.75%
2003	N/A	+24.18%
2002	N/A	-22.42%
2001	N/A	-10.13%
2000	N/A	-8.84%
1999	N/A	+8.61%

SCHR vs SPY Drawdown Comparison

The maximum drawdown for SCHR was -16.11%, occurring on Oct 20, 2022. This drawdown has not yet recovered.

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current SCHR drawdown is -1.82%.

Rank	SCHR	SPY
#1	-16.11% Aug 4, 2020 - Oct 20, 2022	-55.20% Oct 9, 2007 - Aug 16, 2012
#2	-5.79% Nov 4, 2010 - Jun 24, 2011	-47.50% Mar 24, 2000 - Oct 26, 2006
#3	-5.38% Jul 5, 2016 - Mar 22, 2019	-33.70% Feb 19, 2020 - Aug 10, 2020
#4	-5.23% May 1, 2013 - Oct 13, 2014	-24.50% Jan 3, 2022 - Dec 13, 2023
#5	-2.68% Feb 2, 2015 - Aug 24, 2015	-19.34% Sep 20, 2018 - Apr 12, 2019
#6	-2.56% Jan 31, 2012 - May 4, 2012	-18.76% Feb 19, 2025 - Jun 26, 2025
#7	-2.48% Sep 22, 2011 - Dec 16, 2011	-13.02% Jul 20, 2015 - Apr 18, 2016
#8	-2.26% Sep 4, 2019 - Jan 27, 2020	-10.10% Jan 26, 2018 - Aug 6, 2018
#9	-2.21% Mar 9, 2020 - Mar 23, 2020	-9.44% Sep 2, 2020 - Nov 11, 2020
#10	-2.14% Oct 14, 2015 - Jan 20, 2016	-9.30% Jan 19, 2000 - Mar 17, 2000
#11	-1.89% Jun 24, 2011 - Jul 13, 2011	-9.05% Jul 19, 2007 - Oct 5, 2007
#12	-1.73% Feb 11, 2016 - Apr 7, 2016	-8.88% Jan 27, 2026 - Apr 14, 2026
#13	-1.56% Jul 24, 2012 - Dec 5, 2012	-8.41% Jul 16, 2024 - Sep 19, 2024
#14	-1.44% Dec 6, 2012 - Apr 4, 2013	-7.35% Sep 14, 2012 - Jan 2, 2013
#15	-1.43% Aug 31, 2010 - Sep 22, 2010	-7.27% Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between SCHR and SPY is 0.77 which considered as a strong positive correlation - the stocks tend to move together.

0.77

-101

Dividend Comparison (1999 - 2026)

SCHR vs SPY dividend yield comparison.

Year	SCHR	SPY
2026	1.30%	0.24%
2025	3.85%	1.07%
2024	3.77%	1.21%
2023	3.16%	1.40%
2022	2.02%	1.65%
2021	1.00%	1.20%
2020	1.62%	1.52%
2019	2.31%	1.75%
2018	2.11%	2.04%
2017	1.65%	1.80%
2016	1.46%	2.03%
2015	1.56%	2.06%
2014	1.44%	1.87%
2013	1.07%	1.81%
2012	1.07%	2.18%
2011	1.53%	2.05%
2010	0.57%	1.80%
2009	0.00%	1.95%
2008	0.00%	3.02%
2007	0.00%	1.85%
2006	0.00%	1.73%
2005	0.00%	1.73%
2004	0.00%	1.82%
2003	0.00%	1.47%
2002	0.00%	1.70%
2001	0.00%	1.25%
2000	0.00%	1.15%
1999	0.00%	0.24%