ITOT vs SCHB Stock Comparison: AI Score, Valuation, Performance and Upside
ITOT and SCHB are functionally identical total US stock market ETFs — both 0.03%, both holding 2,500-3,500+ US equities, both dominated by the same mega-cap technology stocks in their top holdings. Performance differences are measured in single-digit basis points over decades. The choice between them is entirely a logistics and brokerage ecosystem decision, not an investment decision. Use SCHB at Schwab, ITOT at Fidelity or interactive brokers — or just buy VTI at Vanguard.
ITOT vs SCHB — iShares Core S&P Total US Stock Market ETF (3,500+ US stocks via S&P Total Market Index at 0.03% with BlackRock's institutional management) versus Schwab US Broad Market ETF (2,500+ US stocks via Dow Jones US Broad Market Index at 0.03% with commission-free trading at Schwab).
SCHB holds the edge across 3 of 5 key metrics in this comparison. SCHB has delivered stronger 1-year price return (+11.40% vs +11.40% for ITOT).
- hold accounts at Fidelity, interactive brokers, or other non-Schwab platforms where ITOT trades commission-free or at negligible cost
- prefer iShares/BlackRock's institutional ETF management and S&P Total Market index methodology
- want the broadest possible US stock coverage (3,500 vs SCHB's 2,500) including more micro-cap inclusion at the extreme small end
- already hold iShares ETFs across their portfolio (IVV for S&P 500, IJR for small cap) and want provider consistency
- hold accounts at Schwab where SCHB is the native commission-free total market ETF and integrates well with Schwab's ecosystem
- use Schwab Intelligent Portfolios or robo-advisory that defaults to Schwab ETFs for portfolio allocation
- are equally indifferent between 2,500 and 3,500 stock coverage — micro-cap inclusion differences between SCHB and ITOT have near-zero long-term performance impact
- are Schwab customers who want to simplify their ETF provider relationships (SCHB + SCHD + SCHI = complete Schwab ETF portfolio)
| Metric | ITOT | SCHB |
|---|---|---|
| ETF scorei | 27.2 | 27.2 |
| Latest closei | $164.15 | $28.95 |
| 1M returni | -2.26% | -2.23% |
| 3M returni | -0.84% | -0.82% |
| 6M returni | +5.00% | +5.00% |
| 1Y returni | +11.40% | +11.40% |
The ETF score weights long-term returns and risk-adjusted performance most heavily, but still rewards low expense ratios, larger fund size, and broader diversification — so it can favor low-cost, broad, mega-cap funds over smaller thematic or actively-managed funds even when the latter have delivered stronger returns.
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | ITOT | SCHB |
|---|---|---|
| 1Y ago | $11.25K (+12.5%) started 2025-11-03 | $11.26K (+12.6%) started 2025-11-03 |
| 5Y ago | $17.68K (+76.8%) started 2021-11-03 | $17.72K (+77.2%) started 2021-11-03 |
| 10Y ago | $48K (+380.0%) started 2016-11-03 | $48.24K (+382.4%) started 2016-11-03 |
Hypothetical — past performance does not guarantee future results.
| Metric | ITOT | SCHB |
|---|---|---|
| Expense ratioi | 0.03% | 0.03% |
| Total assets (AUM)i | $95.86B | $44.43B |
| Dividend yieldi | 1.01% | 1.05% |
| Trailing P/Ei | 23.34 | 23.34 |
| Betai | 1.03 | 1.03 |
| 52-week change | 11.40% | 11.40% |
| Metric | ITOT | SCHB |
|---|---|---|
| 1Y returni | +11.40% | +11.40% |
| 6M returni | +5.00% | +5.00% |
| 3M returni | -0.84% | -0.82% |
| 1M returni | -2.26% | -2.23% |
| 1Y Sharpe ratio | 0.55 | 0.55 |
| Betai | 1.03 | 1.03 |
| Dividend yieldi | 1.01% | 1.05% |
| 5Y CAGR | +10.52% | +10.57% |
Over the past year, ITOT and SCHB have moved strongly in the same direction (correlation of 1.00), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | ITOT | SCHB |
|---|---|---|---|
| 1Y | Growthi | +11.28% | +11.32% |
| CAGRi | +11.32% | +11.36% | |
| Volatilityi | 13.03% | 13.05% | |
| Sharpe ratioi | 0.55 | 0.55 | |
| Sortino ratioi | 0.78 | 0.78 | |
| Max drawdowni | 8.90% | 8.91% | |
| Current drawdowni | 3.57% | 3.53% | |
| Avg drawdowni | 1.51% | 1.51% | |
| Ulcer Indexi | 2.17% | 2.18% | |
| Max daily dropi | 2.71% | 2.70% | |
| Max wkly dropi | 3.71% | 3.71% | |
| 5Y | Growthi | +64.81% | +65.18% |
| CAGRi | +10.52% | +10.57% | |
| Volatilityi | 17.45% | 17.35% | |
| Sharpe ratioi | 0.41 | 0.41 | |
| Sortino ratioi | 0.58 | 0.58 | |
| Max drawdowni | 25.36% | 25.41% | |
| Current drawdowni | 3.57% | 3.53% | |
| Avg drawdowni | 6.23% | 6.21% | |
| Ulcer Indexi | 9.21% | 9.20% | |
| Max daily dropi | 5.87% | 5.90% | |
| Max wkly dropi | 11.69% | 11.62% | |
| 10Y | Growthi | +304.60% | +305.69% |
| CAGRi | +15.01% | +15.04% | |
| Volatilityi | 18.28% | 18.34% | |
| Sharpe ratioi | 0.61 | 0.61 | |
| Sortino ratioi | 0.85 | 0.85 | |
| Max drawdowni | 35.00% | 35.27% | |
| Current drawdowni | 3.57% | 3.53% | |
| Avg drawdowni | 4.68% | 4.67% | |
| Ulcer Indexi | 7.71% | 7.70% | |
| Max daily dropi | 11.57% | 11.99% | |
| Max wkly dropi | 18.60% | 18.80% |
| Category | ITOT | SCHB |
|---|---|---|
| Fund name | iShares Core S&P Total U.S. Stock Market ETF | Schwab U.S. Broad Market ETF |
| Type | ETF | ETF |
| Expense ratioi | 0.03% | 0.03% |
| Total assets (AUM)i | $95.86B | $44.43B |
| Dividend yieldi | 1.01% | 1.05% |
- 3,500+ stock total US market exposure at 0.03%: ITOT provides near-complete US equity market coverage at one of the cheapest expense ratios available
- iShares/BlackRock institutional management: world's largest ETF provider with highly optimized securities lending, tax lot management, and index tracking
- S&P Total Market Index methodology: established, transparent, rules-based index construction with clear eligibility criteria
- 0.03% expense ratio matching ITOT: equally cheap as ITOT and VTI — near-zero cost for total US market exposure
- Commission-free at Schwab brokerage: SCHB trades commission-free on Schwab's platform — important for regular purchasers including dollar-cost averaging investors
- Dow Jones US Broad Market Index: transparent, rules-based methodology with 2,500+ US stocks representing 99%+ of total US market capitalization by float-weight
- Near-identical to VTI and SCHB: performance differences between ITOT, VTI, and SCHB are measured in basis points over long periods — fund family preference and brokerage commission structure matter more than performance differences
- Large-cap dominance: despite 3,500+ holdings, the top 50 mega-cap stocks represent 45%+ of ITOT's weight — small-cap diversification is real but small-cap performance impact is modest
- 0.03% still slightly above SCHB: Schwab's 0.03% matches ITOT — no meaningful fee advantage between the two, but VTI at 0.03% and Fidelity ZERO ETFs at 0% provide direct competition
- Fewer holdings (2,500 vs ITOT's 3,500+): SCHB excludes more micro-cap stocks than ITOT — slightly less true total market coverage at the extreme small-cap end (minimal performance impact in practice)
- Performance essentially identical to ITOT and VTI over any multi-year period: micro-cap index methodology differences are immaterial to long-term total return
- No meaningful disadvantage vs ITOT — choice between SCHB and ITOT is purely logistical (brokerage preference, existing account structure)
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