GERM vs. XBI

Last updated Jun 23, 2026

GERM (Amplify Treatments, Testing and Advancements ETF) and XBI (SPDR S&P Biotech ETF) are both Health & Biotech Equities funds - GERM tracks the Prime Treatments, Testing and Advancements Index while XBI tracks the S&P Biotechnology Select Industry Index. Both are passively managed. Over the past year, GERM returned 0.00% vs 77.88% for XBI. GERM charges 0.68%/yr vs 0.35%/yr for XBI.

Performance

GERM vs. XBI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Amplify Treatments, Testing and Advancements ETF (GERM) and SPDR S&P Biotech ETF (XBI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

GERM

• 1D: 0.00%
• 1M: 0.00%
• YTD: 0.00%
• 6M: 0.00%
• 1Y: 0.00%
• 3Y*: —
• 5Y*: —
• 10Y*: —

XBI

• 1D: 3.75%
• 1M: 10.89%
• YTD: 19.74%
• 6M: 15.96%
• 1Y: 77.88%
• 3Y*: 19.92%
• 5Y*: 1.79%
• 10Y*: 11.06%

*Multi-year figures are annualized to reflect compound growth (CAGR)

GERM vs. XBI - Yearly Performance Comparison

	2026 (YTD)	2025	2024
GERM Amplify Treatments, Testing and Advancements ETF	0.00%	0.00%	0.00%
XBI SPDR S&P Biotech ETF	19.74%	35.89%	-8.16%

GERM vs. XBI - Sectors Allocation Comparison

Sectors	GERM	XBI
Healthcare	99.3%	99.7%
Financial Services	0.4%	0.3%
Basic Materials	-	0.2%
Communication Services	-	-
Consumer Cyclical	-	-
Consumer Defensive	-	-
Energy	-	-
Industrials	-	-
Real Estate	-	-
Technology	-	-
Utilities	-	-

Return for Risk

GERM vs. XBI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

GERM

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

XBI

XBI Risk / Return Rank: 90
XBI Sharpe Ratio Rank: 91
XBI Sortino Ratio Rank: 88
XBI Omega Ratio Rank: 81
XBI Calmar Ratio Rank: 96
XBI Martin Ratio Rank: 93

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

GERM vs. XBI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Amplify Treatments, Testing and Advancements ETF (GERM) and SPDR S&P Biotech ETF (XBI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	GERM	XBI	Difference
Sharpe ratio: Return per unit of total volatility	—	2.96	—
Sortino ratio: Return per unit of downside risk	—	3.83	—
Omega ratio: Gain probability vs. loss probability	—	1.46	—
Calmar ratio: Return relative to maximum drawdown	—	8.05	—
Martin ratio: Return relative to average drawdown	—	23.79	—

Drawdowns

GERM vs. XBI - Drawdown Comparison

The maximum GERM drawdown since its inception was 0.00%, smaller than the maximum XBI drawdown of -63.89%. Use the drawdown chart below to compare losses from any high point for GERM and XBI.

Drawdown Indicators

	GERM	XBI	Difference
Max Drawdown Largest peak-to-trough decline	0.00%	-63.89%	+63.89%
Max Drawdown (1Y) Largest decline over 1 year	0.00%	-9.72%	+9.72%
Max Drawdown (3Y) Largest decline over 3 years	—	-32.99%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-54.71%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-63.89%	—
Current Drawdown Current decline from peak	0.00%	-15.61%	+15.61%
Average Drawdown Average peak-to-trough decline	0.00%	-20.93%	+20.93%
Ulcer Index Depth and duration of drawdowns from previous peaks	0.00%	3.28%	-3.28%

Volatility

GERM vs. XBI - Volatility Comparison

The current volatility for Amplify Treatments, Testing and Advancements ETF (GERM) is 0.00%, while SPDR S&P Biotech ETF (XBI) has a volatility of 9.97%. This indicates that GERM experiences smaller price fluctuations and is considered to be less risky than XBI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	GERM	XBI	Difference
Volatility (1M) Calculated over the trailing 1-month period	0.00%	9.97%	-9.97%
Volatility (6M) Calculated over the trailing 6-month period	0.00%	21.32%	-21.32%
Volatility (1Y) Calculated over the trailing 1-year period	0.00%	26.52%	-26.52%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	0.00%	32.30%	-32.30%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	0.00%	32.04%	-32.04%

GERM vs. XBI - Expense Ratio Comparison

GERM has a 0.68% expense ratio, which is higher than XBI's 0.35% expense ratio.

Dividends

GERM vs. XBI - Dividend Comparison

GERM has not paid dividends to shareholders, while XBI's dividend yield for the trailing twelve months is around 0.40%.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
GERM Amplify Treatments, Testing and Advancements ETF	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
XBI SPDR S&P Biotech ETF	0.39%	0.37%	0.15%	0.02%	0.00%	0.04%	0.20%	0.00%	0.28%	0.24%	0.26%	0.61%

Frequently Asked Questions

Which is riskier, GERM or XBI?

XBI has higher volatility (9.97%) compared to GERM (0.00%). In terms of maximum drawdown, GERM dropped 0.00% vs XBI's -63.89%.

Which ETF is better, GERM or XBI?

On 1-year performance, XBI leads with 77.88% vs 0.00% for GERM. On fees, XBI is cheaper at 0.35% per year. On volatility, GERM has been the lower-risk option at 0.00%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, GERM or XBI?

Over the 1-year period, XBI has performed better with a 77.88% return vs 0.00%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, GERM or XBI?

XBI is cheaper with a 0.35% expense ratio, compared with 0.68% for GERM.

Which ETF pays a higher dividend yield, GERM or XBI?

XBI has the higher dividend yield at 0.40%, compared with 0.00% for GERM.

What is the main difference between GERM and XBI?

GERM tracks Prime Treatments, Testing and Advancements Index, while XBI tracks S&P Biotechnology Select Industry Index. They also come from different issuers: Amplify and State Street. Their fees differ too: 0.68% for GERM and 0.35% for XBI.