XRT vs. URBN

Last updated Jun 4, 2026

XRT (SPDR S&P Retail ETF) is Consumer Discretionary Equities fund tracking the S&P Retail Select Industry, while URBN (Urban Outfitters, Inc.) is a stock. Over the past 10 years, XRT returned 8.56%/yr vs 9.54%/yr for URBN. A 0.68 correlation means they provide meaningful diversification when combined.

Performance

XRT vs. URBN - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in SPDR S&P Retail ETF (XRT) and Urban Outfitters, Inc. (URBN). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, XRT achieves a -1.99% return, which is significantly higher than URBN's -3.57% return. Over the past 10 years, XRT has underperformed URBN with an annualized return of 8.56%, while URBN has yielded a comparatively higher 9.54% annualized return.

XRT

• 1D: -0.39%
• 1M: -0.29%
• YTD: -1.99%
• 6M: -2.00%
• 1Y: 8.44%
• 3Y*: 13.38%
• 5Y*: -0.84%
• 10Y*: 8.56%

URBN

• 1D: 0.43%
• 1M: 6.47%
• YTD: -3.57%
• 6M: -8.36%
• 1Y: 0.10%
• 3Y*: 31.89%
• 5Y*: 14.30%
• 10Y*: 9.54%

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

XRT vs. URBN - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
XRT SPDR S&P Retail ETF	-1.99%	8.07%	11.78%	21.53%	-31.64%	42.60%	41.91%	14.12%	-8.04%	4.22%
URBN Urban Outfitters, Inc.	-3.57%	37.14%	53.77%	49.64%	-18.77%	14.69%	-7.81%	-16.36%	-5.31%	23.10%

Correlation

The correlation between XRT and URBN is 0.61, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.61
Correlation (3Y) Calculated over the trailing 3-year period	0.62
Correlation (5Y) Calculated over the trailing 5-year period	0.68
Correlation (10Y) Calculated over the trailing 10-year period	0.68
Correlation (All Time) Calculated using the full available price history since Jun 23, 2006	0.68

The correlation between XRT and URBN has been stable across timeframes, ranging from 0.61 to 0.68 - a consistent structural relationship.

Return for Risk

XRT vs. URBN — Risk / Return Rank

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

XRT

XRT Risk / Return Rank: 15
XRT Sharpe Ratio Rank: 15
XRT Sortino Ratio Rank: 15
XRT Omega Ratio Rank: 14
XRT Calmar Ratio Rank: 16
XRT Martin Ratio Rank: 16

URBN

URBN Risk / Return Rank: 39
URBN Sharpe Ratio Rank: 41
URBN Sortino Ratio Rank: 37
URBN Omega Ratio Rank: 36
URBN Calmar Ratio Rank: 40
URBN Martin Ratio Rank: 39

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.

XRT vs. URBN - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for SPDR S&P Retail ETF (XRT) and Urban Outfitters, Inc. (URBN). 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.

	XRT	URBN	Difference
Sharpe ratio Return per unit of total volatility	0.42	0.00	+0.41
Sortino ratio Return per unit of downside risk	0.76	0.32	+0.44
Omega ratio Gain probability vs. loss probability	1.08	1.04	+0.05
Calmar ratio Return relative to maximum drawdown	0.63	0.00	+0.62
Martin ratio Return relative to average drawdown	1.45	0.01	+1.44
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

XRT vs. URBN - Sharpe Ratio Comparison

The current XRT Sharpe Ratio is 0.42, which is higher than the URBN Sharpe Ratio of 0.00. The chart below compares the historical Sharpe Ratios of XRT and URBN, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	XRT	URBN	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.42	0.00	+0.41
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.03	0.30	-0.34
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.32	0.20	+0.12
Sharpe Ratio (All Time) Calculated using the full available price history	0.35	0.20	+0.14

Drawdowns

XRT vs. URBN - Drawdown Comparison

The maximum XRT drawdown since its inception was -65.81%, smaller than the maximum URBN drawdown of -83.96%. Use the drawdown chart below to compare losses from any high point for XRT and URBN.

Drawdown Indicators

	XRT	URBN	Difference
Max Drawdown Largest peak-to-trough decline	-65.81%	-83.96%	+18.15%
Max Drawdown (1Y) Largest decline over 1 year	-13.53%	-26.32%	+12.79%
Max Drawdown (3Y) Largest decline over 3 years	-25.62%	-28.53%	+2.91%
Max Drawdown (5Y) Largest decline over 5 years	-44.57%	-56.36%	+11.79%
Max Drawdown (10Y) Largest decline over 10 years	-47.02%	-73.80%	+26.78%
Current Drawdown Current decline from peak	-13.82%	-12.25%	-1.57%
Average Drawdown Average peak-to-trough decline	-15.00%	-32.57%	+17.57%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.85%	13.69%	-7.84%

Volatility

XRT vs. URBN - Volatility Comparison

The current volatility for SPDR S&P Retail ETF (XRT) is 6.50%, while Urban Outfitters, Inc. (URBN) has a volatility of 10.41%. This indicates that XRT experiences smaller price fluctuations and is considered to be less risky than URBN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	XRT	URBN	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.50%	10.41%	-3.91%
Volatility (6M) Calculated over the trailing 6-month period	13.63%	28.30%	-14.67%
Volatility (1Y) Calculated over the trailing 1-year period	20.42%	43.06%	-22.64%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	26.90%	47.22%	-20.32%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	27.16%	48.75%	-21.59%

Dividends

XRT vs. URBN - Dividend Comparison

XRT's dividend yield for the trailing twelve months is around 0.83%, while URBN has not paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
URBN Urban Outfitters, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
XRT SPDR S&P Retail ETF	0.83%	0.77%	1.52%	1.40%	2.15%	1.55%	1.01%	1.57%	1.51%	1.52%	1.36%	1.30%

Frequently Asked Questions

Can I hold both XRT and URBN in my portfolio?

XRT and URBN have a correlation of 0.61, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, XRT or URBN?

URBN has higher volatility (10.41%) compared to XRT (6.50%). In terms of maximum drawdown, XRT dropped -65.81% vs URBN's -83.96%.

Which has better risk-adjusted returns?

XRT currently has the higher Sharpe Ratio (0.42 vs 0.00), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.