XRPZ vs. STCE

Last updated Jul 10, 2026

XRPZ (Franklin XRP ETF) and STCE (Schwab Crypto Thematic ETF) are both Blockchain funds - XRPZ tracks the CME CF XRP-Dollar Reference Rate - New York Variant while STCE tracks the Schwab Crypto Thematic Index. Both are passively managed. A 0.66 correlation means they provide meaningful diversification when combined. XRPZ charges 0.19%/yr vs 0.30%/yr for STCE.

Performance

XRPZ vs. STCE - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Franklin XRP ETF (XRPZ) and Schwab Crypto Thematic ETF (STCE). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, XRPZ achieves a -40.18% return, which is significantly lower than STCE's 12.36% return.

XRPZ

• 1D: 0.68%
• 1M: -3.87%
• 6M: -48.49%
• YTD: -40.18%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

STCE

• 1D: 2.35%
• 1M: -8.32%
• 6M: -1.67%
• YTD: 12.36%
• 1Y: 24.32%
• 3Y*: 40.71%
• 5Y*: —
• 10Y*: —

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

XRPZ vs. STCE - Yearly Performance Comparison

	2026 (YTD)	2025
XRPZ Franklin XRP ETF	-40.18%	-11.90%
STCE Schwab Crypto Thematic ETF	12.36%	-1.47%

Correlation

The correlation between XRPZ and STCE is 0.66, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (All Time) Calculated using the full available price history since Nov 24, 2025	0.66

Return for Risk

XRPZ vs. STCE — Risk / Return Rank

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

XRPZ

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

STCE

STCE Risk / Return Rank: 17
STCE Sharpe Ratio Rank: 17
STCE Sortino Ratio Rank: 20
STCE Omega Ratio Rank: 19
STCE Calmar Ratio Rank: 16
STCE Martin Ratio Rank: 14

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.

XRPZ vs. STCE - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Franklin XRP ETF (XRPZ) and Schwab Crypto Thematic ETF (STCE). 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.

	XRPZ	STCE	Difference
Sharpe ratio: Return per unit of total volatility	—	0.39	—
Sortino ratio: Return per unit of downside risk	—	0.97	—
Omega ratio: Gain probability vs. loss probability	—	1.11	—
Calmar ratio: Return relative to maximum drawdown	—	0.45	—
Martin ratio: Return relative to average drawdown	—	0.78	—

Drawdowns

XRPZ vs. STCE - Drawdown Comparison

The maximum XRPZ drawdown since its inception was -55.39%, roughly equal to the maximum STCE drawdown of -54.11%. Use the drawdown chart below to compare losses from any high point for XRPZ and STCE.

Drawdown Indicators

	XRPZ	STCE	Difference
Max Drawdown Largest peak-to-trough decline	-55.39%	-54.11%	-1.28%
Max Drawdown (1Y) Largest decline over 1 year	—	-54.11%	—
Max Drawdown (3Y) Largest decline over 3 years	—	-54.11%	—
Current Drawdown Current decline from peak	-52.64%	-36.70%	-15.94%
Average Drawdown Average peak-to-trough decline	-33.31%	-22.20%	-11.11%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	31.42%	—

Volatility

Volatility by Period

	XRPZ	STCE	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	15.18%	—
Volatility (6M) Calculated over the trailing 6-month period	—	42.14%	—
Volatility (1Y) Calculated over the trailing 1-year period	71.98%	61.94%	+10.04%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	71.98%	55.98%	+16.00%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	71.98%	55.98%	+16.00%

XRPZ vs. STCE - Expense Ratio Comparison

XRPZ has a 0.19% expense ratio, which is lower than STCE's 0.30% expense ratio.

Dividends

XRPZ vs. STCE - Dividend Comparison

XRPZ has not paid dividends to shareholders, while STCE's dividend yield for the trailing twelve months is around 1.68%.

Position	TTM	2025	2024	2023	2022
STCE Schwab Crypto Thematic ETF	1.68%	1.96%	0.64%	0.31%	1.46%
XRPZ Franklin XRP ETF	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both XRPZ and STCE in my portfolio?

XRPZ and STCE have a correlation of 0.66, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, XRPZ or STCE?

On fees, XRPZ is cheaper at 0.19% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, XRPZ or STCE?

XRPZ is cheaper with a 0.19% expense ratio, compared with 0.30% for STCE.

Which ETF pays a higher dividend yield, XRPZ or STCE?

STCE has the higher dividend yield at 1.68%, compared with 0.00% for XRPZ.

What is the main difference between XRPZ and STCE?

XRPZ tracks CME CF XRP-Dollar Reference Rate - New York Variant, while STCE tracks Schwab Crypto Thematic Index. They also come from different issuers: Franklin and Charles Schwab. Their fees differ too: 0.19% for XRPZ and 0.30% for STCE.