KRE vs VXUS: Performance, Holdings, Fees & Risk
KRE and VXUS are ETFs, but they can differ materially in exposure, yield, fees and risk. KRE is State Street SPDR S&P Regional Banking ETF, while VXUS is Vanguard Total International Stock ETF. VXUS is broader by holdings count, with 8,821 positions versus 160 for KRE. VXUS has the lower expense ratio. Current AlgovestIQ evidence has KRE ahead on AIQ Score, 69 versus 64.
What is the main difference between KRE and VXUS?
KRE puts 100% of its assets in Financial Services, while VXUS spreads across 11 sectors with none above 22%.
| Metric | KRE | VXUS |
|---|---|---|
| Fund | ||
| Expense ratio | 0.35% | 0.05% |
| Holdings | 160 | 8,821 |
| Top-10 concentration | 14.1% | 12.9% |
| Distribution yieldTrailing 12 months | 2.24% | 2.37% |
| Average volume | 13,506,045 | 5,266,735 |
| Performance | ||
| 1Y return | +17.8% | +11.7% |
| YTD return | +11.3% | +11% |
| 5Y annualized returnTotal return, distributions reinvested | +2.5% | +8.3% |
| Risk | ||
| Annualized volatility | 20.4% | 17.2% |
| Max drawdown (1Y) | -14.9% | -11.4% |
| Max drawdown (5Y)Total return, distributions reinvested | -52.7% | -28.9% |
| Beta | 0.59 | 1.12 |
| Sharpe ratio | 0.74 | 0.46 |
| Sortino ratio | 1.12 | 0.68 |
| AlgovestIQ | ||
| AIQ Score | 69/100 | 64/100 |
| AIQ Edge Score | 10/10 | 9/10 |
| Momentum | 76/100 | 46/100 |
| Risk Resilience | 75/100 | 83/100 |
AlgovestIQ AIQ Comparison
State Street SPDR S&P Regional Banking ETF vs Vanguard Total International Stock ETF
KRE leads
KRE leads by 5 AIQ points, primarily on Momentum and Value, having only recently taken the lead back from VXUS.
Fragile: 3 of 4 evidence groups support KRE, the lead recently changed hands, and its signal state is cleanly positive.
State Street SPDR S&P Regional Banking ETF
Vanguard Total International Stock ETF
The Algovestiq AIQ Score currently favors KRE over VXUS, 69 versus 64 as of Oct 31, 2026. KRE's advantage is driven primarily by stronger momentum and value, while VXUS holds the stronger quality profile. KRE also shows the stronger technical structure relative to its 50-day moving average. 3 of 4 covered evidence groups favor KRE today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 5 points. KRE lead: Reversed — VXUS led by 6 AIQ points 30 sessions ago; KRE now leads by 5.
Compare State Street SPDR S&P Regional Banking ETF and Vanguard Total International Stock ETF across performance, expense ratio, dividend yield, drawdown, volatility and the Algovestiq AIQ Score.
KRE vs VXUS: which fits what
Each row is settled by a single measure. Where the gap is too small to matter it reads Similar, and no row decides the comparison as a whole.
| If you want | KRE | VXUS | Fits |
|---|---|---|---|
| Lower costExpense ratio | 0.35% | 0.05% | VXUS |
| Broader diversificationNumber of holdings | 160 | 8,821 | VXUS |
| Lower concentrationWeight of the 10 largest holdings | 14.1% | 12.9% | Similar |
| Higher incomeTrailing 12-month distribution yield | 2.24% | 2.37% | Similar |
| Smaller drawdownsMax drawdown, 5 years | -52.7% | -28.9% | VXUS |
| Lower volatilityAnnualized volatility, 1 year | 20.4% | 17.2% | VXUS |
Similar means the gap is within 0.01 percentage points of expense ratio, 25% more holdings, 3 points of top-10 weight, 0.2 points of yield, 2 points of drawdown or 1 point of volatility. Past drawdowns and volatility describe the funds’ history, not their future.
Performance over time
Total return with distributions reinvested, from daily closes for both ETFs.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare KRE and VXUS against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Momentum76 vs 46KRE +30
- Quality65 vs 76VXUS +11
- Risk Resilience75 vs 83VXUS +8
- Value65 vs 59KRE +6
3 of 4 evidence groups favor KRE. KRE’s edge is concentrated in momentum and value; VXUS keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-10-28, compared against the prior scored session 2026-10-27.
Largest factor move: Momentum -4
No signal started or stopped since the prior session; its 5 active signals are unchanged.
Largest factor move: Momentum +14
New signals
- MACD Bullish Crossover — bullish, momentum, short horizon
KRE's lead narrowed by 5 AIQ points in the latest session.
Deeper signal detail for each name lives on its own signals page — KRE and VXUS both carry a full feed there.
The central trade-off
KRE (State Street SPDR S&P Regional Banking ETF): the stronger current systematic profile, led by momentum and value.
VXUS (Vanguard Total International Stock ETF): the counter-case, on quality, risk resilience.
Fund facts, side by side
Two funds tracking overlapping universes are separated by cost and risk far more than by holdings. Those lead here.
| Measure | KRE | VXUS | Why it matters |
|---|---|---|---|
| Expense ratio | 0.35% | 0.05% | Lower is better — it compounds against you every year you hold. |
| Holdings | 160 | 8,821 | More holdings means broader diversification, not better returns. |
| Average volume | 13,506,045 | 5,266,735 | Liquidity — matters most if you trade size. |
| Annualized volatility | 20.4% | 17.2% | Lower is a steadier ride for the same exposure. |
| Max drawdown (1Y) | -14.9% | -11.4% | The worst peak-to-trough loss over the past year. |
| Sharpe ratio | 0.74 | 0.46 | Return per unit of risk. Higher is better. |
| Beta | 0.59 | 1.12 | Sensitivity to the broad market. Neither direction is better — it depends on the role in your portfolio. |
Where the exposure actually sits
Sector exposure for each fund, ordered by the size of the difference.
How much of the same holdings they own
KRE and VXUS share 0% of their weighted exposure across 0 common holdings.
158 holdings are unique to KRE, and 8,281 holdings are unique to VXUS. Owning both is genuinely additive — most of the capital sits in different securities.
KRE is the more concentrated of the two: its ten largest positions are 14.11% of the fund, against 12.94% for VXUS (160 holdings vs 8,821). Concentration cuts both ways — it is what drives outperformance when the top names work, and what makes the drawdown deeper when they do not.
What KRE adds that VXUS doesn’t
| Holding | KRE | VXUS |
|---|---|---|
| CFRCULLEN/FROST BANKERS INC | 1.48% | Not held |
| SSBSOUTHSTATE BANK CORP | 1.44% | Not held |
| HOMBHOME BANCSHARES INC | 1.42% | Not held |
| CFGCITIZENS FINANCIAL GROUP | 1.41% | Not held |
| CBSHCOMMERCE BANCSHARES INC | 1.4% | Not held |
| MTBM + T BANK CORP | 1.4% | Not held |
What VXUS adds that KRE doesn’t
| Holding | VXUS | KRE |
|---|---|---|
| 2330.TWTaiwan Semiconductor Manufacturing Co Ltd | 4.02% | Not held |
| 005930.KSSamsung Electronics Co Ltd | 1.8% | Not held |
| ASML.ASASML Holding NV | 1.42% | Not held |
| 000660.KSSK hynix Inc | 1.41% | Not held |
| 0700.HKTencent Holdings Ltd | 0.85% | Not held |
| HSBA.LHSBC Holdings PLC | 0.82% | Not held |
Each list is a fund’s largest positions by weight that the other fund does not hold, or holds at less than half the weight.
KRE vs VXUS: five-year payout growth
VXUS grew its split-adjusted payout faster over 2020-2025 — 13.28% a year against KRE's 1.93%. VXUS: The 2020 payout was 24.6% below 2019, so the growth rate measures a recovery from a weak starting year. VXUS: The payout jumped 53.0% in 2021, a single step rather than steady compounding - often an index or mandate change. VXUS: A single payment in an endpoint year was 3.9x the fund's median payment, so one distribution carries much of the result.
| Dividend metric | KRE | VXUS |
|---|---|---|
| 5Y payout CAGR | 1.93% | 13.28% |
| 2020 annual payout | $1.443 | $1.286 |
| 2025 annual payout | $1.587 | $2.399 |
| Calendar-year declines | 2 | 1 |
| Peer rank | #121 of 138 | #43 of 138 |
Split-adjusted annual distributions, 2020–2025. Research as of Sep 19, 2026. Yield and expense ratio above are current values, not part of this window.
AIQ Agreement Matrix
3 of 4 covered evidence groups favor KRE. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | KRE | 69 vs 64 |
| Fundamentals | Not covered | Not covered |
| Valuation | KRE | Value 65 vs 59 |
| Technicals | KRE | Price vs 50-day -0.1% vs -3.9%; vs 200-day 1.7% vs 0.5% |
| Risk Resilience | VXUS | Risk Resilience 75 vs 83 |
| Analyst expectations | Not covered | Not covered |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of KRE and VXUS and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 5 points. (argues the conclusion is provisional)
- The lead has already changed hands inside the comparison window. (argues the conclusion is provisional)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on KRE.
How the comparison changed
120 daily snapshots · Jun 29 – Oct 28KRE lead: Reversed — VXUS led by 6 AIQ points 30 sessions ago; KRE now leads by 5.
- Today
- KRE +5
- 69 vs 64
- 7 sessions ago
- KRE +9
- 68 vs 59
- 30 sessions ago
- VXUS +6
- 56 vs 62
- 90 sessions ago
- VXUS +9
- 58 vs 67
The lead changed hands 2 times in this window, most recently on Oct 22 when KRE moved ahead of VXUS.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
4 bullish / 0 bearish / 1 neutral
Only KRE
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
2 bullish / 0 bearish / 2 neutral
Only VXUS
- ATR Contraction - Coiling — neutral, volatility, short horizon (1.03%)
Both carry 3 more signals that do not separate them: Bollinger Band Squeeze, Golden Cross Active, MACD Bullish Crossover.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved down over the latest session (price -1.17%, AIQ -2 points).
Price is down while the AIQ Score moved up 3 points over the same session — price and model disagree (price -1.53%, AIQ +3 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1VXUS closes the Momentum gap — currently 30 points behind, the largest single contributor to KRE's edge.
- 2VXUS's Bollinger Band Squeeze turns directional — it is neutral today and would confirm a change in trend.
- 3KRE's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Performance
KRE leads 5 of 6 windows| Metric | KRE | VXUS |
|---|---|---|
| 1 week (5 sessions) | 2.1% | -0.3% |
| 1 month (20 sessions) | 3.8% | -1.4% |
| 3 months (63 sessions) | -5% | -1.2% |
| 6 months (126 sessions) | 4.5% | 3.1% |
| Year to date | 11.3% | 11% |
| 1 year (252 sessions) | 17.8% | 11.7% |
Technicals
KRE has the stronger structure| Metric | KRE | VXUS |
|---|---|---|
| RSI (14) | 65.6 | 47.3 |
| ADX (14) | 24.8 | 22.4 |
| Price vs 50-day | -0.1% | -3.9% |
| Price vs 200-day | 1.7% | 0.5% |
| Volatility (1M, annualized) | 17.3% | 11.6% |
Risk
VXUS is the more resilient| Metric | KRE | VXUS |
|---|---|---|
| Beta | 0.59 | 1.12 |
| Sharpe ratio | 0.74 | 0.46 |
| Sortino ratio | 1.12 | 0.68 |
| Max drawdown | -14.9% | -11.4% |
| Current drawdown | -7.5% | -5.3% |
| Annualized volatility | 20.4% | 17.2% |
| Value at risk (95%) | -1.8% | -1.7% |
Straight answers
Short answers to the questions fund investors ask about this pair, from the figures above.
What is the difference between KRE and VXUS?
KRE puts 100% of its assets in Financial Services, while VXUS spreads across 11 sectors with none above 22%.
How much do KRE and VXUS overlap?
KRE and VXUS share 0% of their weighted exposure across 0 common holdings. 158 holdings are unique to KRE, and 8,281 holdings are unique to VXUS. Owning both is genuinely additive — most of the capital sits in different securities.
Which ETF is more diversified, KRE or VXUS?
VXUS holds more positions: 8,821 versus 160 for KRE.
Which has the lower expense ratio?
VXUS has the lower expense ratio, 0.05% a year against 0.35% for KRE.
Which ETF has the higher distribution yield?
Their trailing 12-month distribution yields are similar: 2.24% for KRE and 2.37% for VXUS.
Which ETF has been more volatile?
KRE has been more volatile over the past year, at 20.4% annualized against 17.2% for VXUS.
Which ETF has had the smaller drawdown?
VXUS fell less from peak to trough over the past five years: -28.9% against -52.7% for KRE.
Compare KRE and VXUS with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.