XLF vs BIV

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

5-Year PerformanceXLF has outperformed BIV, delivering a return of +8.3% compared to +0.4%

XLF vs BIV - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Net Assets

XLF

$52B

Winner

BIV

$52B

Expense Ratio

XLF

0.08%

BIV

N/A

Max Drawdown

XLF

83.75%

Winner

BIV

25.30%

Sharpe Ratio

XLF

0.16

Winner

BIV

0.35

5Y Beta

XLF

0.81

Winner

BIV

0.03

P/E Ratio

XLF

16.19

BIV

N/A

Forward P/E

XLF

14.87

BIV

N/A

PEG Ratio

XLF

0.55

BIV

N/A

5Y Dividends CAGR

Winner

XLF

5.32%

BIV

3.55%

5Y EPS CAGR

XLF

11.41%

BIV

N/A

Debt to Equity

XLF

71.14%

BIV

N/A

P/S Ratio

XLF

3.34

BIV

N/A

P/B Ratio

XLF

2.21

BIV

N/A

XLF vs BIV - Historical Returns

Returns include dividend reinvestment.

Period	XLF	BIV
1 month	-1.30%	-0.59%
3 months	-0.77%	-1.50%
6 months	-2.93%	+0.27%
1 year	+1.35%	+5.59%
5 years(CAGR)	+8.32%	+0.40%
10 years(CAGR)	+12.70%	+1.93%
Max(CAGR)	+5.55%	+3.84%

XLF

-1.30%

Winner

BIV

-0.59%

Winner

XLF

-0.77%

BIV

-1.50%

XLF

-2.93%

Winner

BIV

+0.27%

XLF

+1.35%

Winner

BIV

+5.59%

5Y(CAGR)

Winner

XLF

+8.32%

BIV

+0.40%

10Y(CAGR)

Winner

XLF

+12.70%

BIV

+1.93%

Max(CAGR)

Winner

XLF

+5.55%

BIV

+3.84%

XLF vs BIV - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	XLF	BIV
2026	-6.70%	-0.20%
2025	+15.17%	+8.48%
2024	+29.99%	+2.01%
2023	+11.63%	+5.52%
2022	-11.69%	-12.65%
2021	+36.68%	-2.39%
2020	-2.62%	+9.43%
2019	+30.78%	+10.08%
2018	-13.07%	+0.14%
2017	+20.65%	+3.73%
2016	+24.85%	+2.78%
2015	-1.74%	+0.81%
2014	+15.69%	+7.02%
2013	+31.71%	-3.49%
2012	+25.14%	+6.89%
2011	-18.93%	+11.22%
2010	+9.70%	+8.70%
2009	+16.31%	+5.49%
2008	-54.06%	+6.85%
2007	-19.59%	+6.32%
2006	+17.23%	N/A
2005	+6.58%	N/A
2004	+11.02%	N/A
2003	+25.90%	N/A
2002	-14.65%	N/A
2001	-6.80%	N/A
2000	+30.76%	N/A
1999	-5.52%	N/A

XLF vs BIV Drawdown Comparison

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

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

The current XLF drawdown is -9.13%. The current BIV drawdown is -2.04%.

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

Correlation

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

0.75

-101

Dividend Comparison (1999 - 2026)

XLF vs BIV dividend yield comparison.

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