XLF vs SCHG
Comparison between THE FINANCIAL SELECT SECTOR SPDR FUND (XLF, ETF) and SCHWAB U.S. LARGE-CAP GROWTH ETF (SCHG, ETF).
5-Year PerformanceSCHG has outperformed XLF, delivering a return of +15.2% compared to +8.1%
XLF vs SCHG - Performance Comparison
Key Characteristics
Financial metrics and valuation ratios
Net Assets
XLF
$48B
Winner
SCHG
$48B
Expense Ratio
XLF
0.08%
Winner
SCHG
0.04%
Max Drawdown
XLF
83.75%
Winner
SCHG
35.02%
Sharpe Ratio
XLF
0.17
Winner
SCHG
1.63
5Y Beta
Winner
XLF
0.81
SCHG
1.21
P/E Ratio
Winner
XLF
16.19
SCHG
35.75
Forward P/E
Winner
XLF
15.09
SCHG
26.88
PEG Ratio
XLF
0.55
SCHG
N/A
5Y Dividends CAGR
XLF
5.32%
Winner
SCHG
8.77%
5Y EPS CAGR
XLF
11.46%
Winner
SCHG
34.30%
Debt to Equity
XLF
71.70%
Winner
SCHG
26.20%
P/S Ratio
Winner
XLF
3.36
SCHG
5.66
P/B Ratio
Winner
XLF
2.19
SCHG
9.41
XLF vs SCHG - Holdings Comparison
XLF and SCHG have 15 common holdings. Overlap is 6.22%
XLF's top 25 holdings weight is 77.53%. SCHG's top 25 holdings weight is 76.15%.
| Rank | XLF | SCHG |
|---|---|---|
| #1 | BERKSHIRE HATHAWAY INC CLASS B (BRK-B) - 11.75% | NVIDIA CORP (NVDA) - 12.67% |
| #2 | JPMORGAN CHASE & CO (JPM) - 11.24% | APPLE INC (AAPL) - 9.72% |
| #3 | VISA INC CLASS A (V) - 7.59% | MICROSOFT CORP (MSFT) - 7.79% |
| #4 | MASTERCARD INC CLASS A (MA) - 5.77% | AMAZON.COM INC (AMZN) - 6.20% |
| #5 | BANK OF AMERICA CORP (BAC) - 4.73% | ALPHABET INC CLASS A (GOOGL) - 4.98% |
| #6 | THE GOLDMAN SACHS GROUP INC (GS) - 3.66% | BROADCOM INC (AVGO) - 4.64% |
| #7 | WELLS FARGO & CO (WFC) - 3.40% | ALPHABET INC CLASS C (GOOG) - 3.97% |
| #8 | MORGAN STANLEY (MS) - 3.03% | META PLATFORMS INC CLASS A (META) - 3.70% |
| #9 | CITIGROUP INC (C) - 3.01% | TESLA INC (TSLA) - 3.41% |
| #10 | AMERICAN EXPRESS CO (AXP) - 2.28% | ELI LILLY AND CO (LLY) - 2.44% |
| #11 | CHARLES SCHWAB CORP (SCHW) - 2.05% | ADVANCED MICRO DEVICES INC (AMD) - 1.86% |
| #12 | BLACKROCK INC (BLK) - 2.02% | VISA INC CLASS A (V) - 1.83% |
| #13 | S&P GLOBAL INC (SPGI) - 1.79% | COSTCO WHOLESALE CORP (COST) - 1.56% |
| #14 | CAPITAL ONE FINANCIAL CORP (COF) - 1.61% | MASTERCARD INC CLASS A (MA) - 1.46% |
| #15 | CHUBB LTD (CB) - 1.60% | NETFLIX INC (NFLX) - 1.37% |
| #16 | PROGRESSIVE CORP (PGR) - 1.59% | UNITEDHEALTH GROUP INC (UNH) - 1.17% |
| #17 | CME GROUP INC CLASS A (CME) - 1.40% | n/a (PLTR) - 1.14% |
| #18 | BANK OF NEW YORK MELLON CORP (BK) - 1.23% | GE AEROSPACE (GE) - 1.07% |
| #19 | BLACKSTONE INC (BX) - 1.21% | GE VERNOVA INC (GEV) - 1.04% |
| #20 | INTERCONTINENTAL EXCHANGE INC (ICE) - 1.20% | LINDE PLC (LIN) - 0.84% |
| #21 | PNC FINANCIAL SERVICES GROUP INC (PNC) - 1.19% | KLA CORP (KLAC) - 0.84% |
| #22 | U.S. BANCORP (USB) - 1.18% | THE WALT DISNEY CO (DIS) - 0.63% |
| #23 | MARSH (MRSH) - 1.12% | THERMO FISHER SCIENTIFIC INC (TMO) - 0.62% |
| #24 | MOODYS CORP (MCO) - 0.95% | SALESFORCE INC (CRM) - 0.60% |
| #25 | AON PLC CLASS A (AON) - 0.93% | ARISTA NETWORKS INC (ANET) - 0.60% |
| Total Holdings | 80 | 196 |
XLF vs SCHG - Historical Returns
Returns include dividend reinvestment.
1M
XLF
+0.08%
Winner
SCHG
+12.42%
3M
XLF
-4.52%
Winner
SCHG
+8.73%
6M
XLF
-2.09%
Winner
SCHG
+5.67%
1Y
XLF
+4.34%
Winner
SCHG
+31.77%
5Y(CAGR)
XLF
+8.14%
Winner
SCHG
+15.23%
10Y(CAGR)
XLF
+12.67%
Winner
SCHG
+18.87%
Max(CAGR)
XLF
+5.57%
Winner
SCHG
+16.59%
XLF vs SCHG - Annual Returns (1999 - 2026)
Returns include dividend reinvestment.
| Year | XLF | SCHG |
|---|---|---|
| 2026 | -6.24% | +5.11% |
| 2025 | +15.17% | +17.63% |
| 2024 | +29.99% | +37.01% |
| 2023 | +11.63% | +51.47% |
| 2022 | -11.69% | -32.41% |
| 2021 | +36.68% | +29.82% |
| 2020 | -2.62% | +37.31% |
| 2019 | +30.78% | +36.13% |
| 2018 | -13.07% | -2.42% |
| 2017 | +20.65% | +27.04% |
| 2016 | +24.85% | +8.61% |
| 2015 | -1.74% | +3.52% |
| 2014 | +15.69% | +16.71% |
| 2013 | +31.71% | +30.57% |
| 2012 | +25.14% | +15.02% |
| 2011 | -18.93% | -1.75% |
| 2010 | +9.70% | +14.92% |
| 2009 | +16.31% | +2.70% |
| 2008 | -54.06% | N/A |
| 2007 | -19.59% | N/A |
| 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 SCHG Drawdown Comparison
The maximum drawdown for XLF was -82.72%, occurring on Mar 6, 2009. Recovery took 2555 trading sessions.
The maximum drawdown for SCHG was -34.59%, occurring on Jan 5, 2023. Recovery took 521 trading sessions.
The current XLF drawdown is -8.69%.
| Rank | XLF | SCHG |
|---|---|---|
| #1 | -82.72% Jun 1, 2007 - Jul 25, 2017 | -34.59% Nov 19, 2021 - Dec 18, 2023 |
| #2 | -42.83% Feb 14, 2020 - Jan 6, 2021 | -32.39% Feb 19, 2020 - Jun 10, 2020 |
| #3 | -36.64% Jan 3, 2001 - Jan 15, 2004 | -23.39% Dec 16, 2024 - Jun 30, 2025 |
| #4 | -25.82% Jan 12, 2022 - Feb 22, 2024 | -21.59% Oct 1, 2018 - Apr 12, 2019 |
| #5 | -25.34% Nov 16, 1999 - Jun 2, 2000 | -20.57% Jul 7, 2011 - Feb 3, 2012 |
| #6 | -24.66% Jan 26, 2018 - Nov 4, 2019 | -17.08% Jul 20, 2015 - Aug 5, 2016 |
| #7 | -15.55% Feb 19, 2025 - Jun 27, 2025 | -16.41% Oct 29, 2025 - May 6, 2026 |
| #8 | -14.80% Jan 6, 2026 - Mar 27, 2026 | -16.25% Apr 23, 2010 - Nov 2, 2010 |
| #9 | -14.09% Sep 11, 2000 - Dec 26, 2000 | -12.36% Jul 10, 2024 - Oct 11, 2024 |
| #10 | -11.52% Jun 2, 2000 - Aug 4, 2000 | -10.95% Sep 2, 2020 - Nov 6, 2020 |
| #11 | -10.19% Mar 5, 2004 - Dec 1, 2004 | -10.48% Apr 2, 2012 - Sep 6, 2012 |
| #12 | -9.13% Feb 15, 2005 - Jul 14, 2005 | -10.15% Feb 12, 2021 - Apr 8, 2021 |
| #13 | -8.42% Jun 4, 2021 - Aug 10, 2021 | -9.72% Jan 26, 2018 - Jun 6, 2018 |
| #14 | -8.32% Feb 20, 2007 - May 9, 2007 | -8.54% Sep 14, 2012 - Jan 10, 2013 |
| #15 | -7.98% Jan 14, 2021 - Feb 12, 2021 | -8.07% Jan 11, 2010 - Mar 9, 2010 |
Correlation
Correlation between XLF and SCHG is 0.98 which considered as a very strong positive correlation - the stocks move almost identically together.
0.98
-101
Dividend Comparison (1999 - 2026)
XLF vs SCHG dividend yield comparison.
| Year | XLF | SCHG |
|---|---|---|
| 2026 | 0.49% | 0.11% |
| 2025 | 1.31% | 0.36% |
| 2024 | 1.42% | 0.40% |
| 2023 | 1.71% | 0.46% |
| 2022 | 2.04% | 0.55% |
| 2021 | 1.63% | 0.42% |
| 2020 | 2.03% | 0.52% |
| 2019 | 1.87% | 0.82% |
| 2018 | 2.08% | 1.27% |
| 2017 | 1.48% | 1.01% |
| 2016 | 21.10% | 1.04% |
| 2015 | 1.95% | 1.22% |
| 2014 | 1.60% | 1.09% |
| 2013 | 1.47% | 1.07% |
| 2012 | 1.76% | 1.37% |
| 2011 | 1.73% | 1.03% |
| 2010 | 0.98% | 0.71% |
| 2009 | 1.71% | 0.04% |
| 2008 | 6.15% | 0.00% |
| 2007 | 3.00% | 0.00% |
| 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% |
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