SCHD vs DVY ETF Comparison: AI Score, Valuation, Performance and Upside
SCHD and DVY are both dividend ETFs with different priorities. SCHD screens for financial quality and dividend growth alongside yield, producing a portfolio built more on balance sheet strength. DVY starts from higher yield, applying payout ratio and growth screens to filter the worst candidates, which tilts it heavily toward utilities and financials.
Use this SCHD vs DVY comparison to see how selection order shapes a dividend portfolio. Screening for quality first and yield second produces different sectors than screening for yield first. DVY's higher income comes packaged with interest rate sensitivity from utilities and credit sensitivity from financials, which is the practical cost of the extra yield.
SCHD holds the edge across 3 of 5 key metrics in this comparison. SCHD has delivered stronger 1-year price return (+27.36% vs +14.49% for DVY).
- Want dividend quality screens on cash flow and returns
- Value dividend growth as well as current income
- Prefer the lowest cost among screened dividend strategies
- Accept concentration and annual reconstitution shifts
- Prioritise current income over dividend growth
- Are comfortable with heavy utilities and financials exposure
- Value payout ratio screens on higher-yielding candidates
- Accept interest rate sensitivity and a higher expense than the cheapest peers
| Metric | SCHD | DVY |
|---|---|---|
| ETF scorei | 87.0 | 70.0 |
| Latest closei | $33.21 | $154.73 |
| 1M returni | -4.49% | -5.43% |
| 6M returni | +10.85% | +5.18% |
| 1Y returni | +27.36% | +14.49% |
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 | SCHD | DVY |
|---|---|---|
| 1Y ago | $13.19K (+31.9%) started 2025-09-25 | $11.86K (+18.6%) started 2025-09-25 |
| 5Y ago | $19.06K (+90.6%) started 2021-09-27 | $19.22K (+92.2%) started 2021-09-27 |
| 10Y ago | $49.91K (+399.1%) started 2016-09-26 | $39.95K (+299.5%) started 2016-09-26 |
Hypothetical — past performance does not guarantee future results.
| Metric | SCHD | DVY |
|---|---|---|
| Expense ratioi | 0.06% | 0.38% |
| Total assets (AUM)i | $112.34B | $23.61B |
| Dividend yieldi | 3.00% | 3.24% |
| Trailing P/Ei | 18.33 | 14.71 |
| Betai | 0.71 | 0.70 |
| 52-week change | 27.36% | 14.49% |
| Metric | SCHD | DVY |
|---|---|---|
| 1Y returni | +27.36% | +14.49% |
| 6M returni | +10.85% | +5.18% |
| 1M returni | -4.49% | -5.43% |
| 1Y Sharpe ratio | 1.83 | 0.87 |
| Betai | 0.71 | 0.70 |
| Dividend yieldi | 3.00% | 3.24% |
| 5Y CAGR | +9.43% | +9.59% |
Over the past year, SCHD and DVY have moved strongly in the same direction (correlation of 0.82), 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 | SCHD | DVY |
|---|---|---|---|
| 1Y | Growthi | +27.36% | +14.49% |
| CAGRi | +27.38% | +14.50% | |
| Volatilityi | 11.17% | 11.16% | |
| Sharpe ratioi | 1.83 | 0.87 | |
| Sortino ratioi | 3.01 | 1.29 | |
| Max drawdowni | 5.24% | 6.89% | |
| Current drawdowni | 4.93% | 5.74% | |
| Avg drawdowni | 1.35% | 1.59% | |
| Ulcer Indexi | 1.87% | 2.14% | |
| Max daily dropi | 1.84% | 1.79% | |
| Max wkly dropi | 3.17% | 3.46% | |
| 5Y | Growthi | +56.85% | +58.01% |
| CAGRi | +9.43% | +9.59% | |
| Volatilityi | 14.36% | 15.04% | |
| Sharpe ratioi | 0.39 | 0.39 | |
| Sortino ratioi | 0.56 | 0.55 | |
| Max drawdowni | 16.84% | 17.54% | |
| Current drawdowni | 4.93% | 5.74% | |
| Avg drawdowni | 4.40% | 4.76% | |
| Ulcer Indexi | 5.70% | 6.39% | |
| Max daily dropi | 5.42% | 5.41% | |
| Max wkly dropi | 12.74% | 11.78% | |
| 10Y | Growthi | +234.90% | +157.68% |
| CAGRi | +12.85% | +9.93% | |
| Volatilityi | 16.72% | 17.99% | |
| Sharpe ratioi | 0.54 | 0.37 | |
| Sortino ratioi | 0.76 | 0.51 | |
| Max drawdowni | 33.37% | 41.59% | |
| Current drawdowni | 4.93% | 5.74% | |
| Avg drawdowni | 4.00% | 5.00% | |
| Ulcer Indexi | 5.83% | 7.88% | |
| Max daily dropi | 9.95% | 11.09% | |
| Max wkly dropi | 18.00% | 21.85% |
| Category | SCHD | DVY |
|---|---|---|
| Fund name | Schwab U.S. Dividend Equity ETF | iShares Select Dividend ETF |
| Type | ETF | ETF |
| Expense ratioi | 0.06% | 0.38% |
| Total assets (AUM)i | $112.34B | $23.61B |
| Dividend yieldi | 3.00% | 3.24% |
- Balance sheet and profitability screens target dividend sustainability rather than headline yield
- Includes dividend growth as a selection factor, not just current yield
- Among the lowest-cost screened dividend strategies
- Yield-oriented selection typically produces a higher current income stream
- Payout ratio and dividend growth screens filter out the least sustainable high yielders
- Long operating history through multiple market cycles
- Concentrated roster means sector and single-position weights can be substantial
- Annual rebuild can change sector exposure noticeably at once
- Newer companies with short dividend histories are excluded regardless of quality
- Heavy utilities and financials weighting makes it sensitive to interest rates and credit conditions
- Higher-yield selection naturally leans toward slower-growing businesses
- Costs more than the cheapest dividend ETFs
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Volatility, Sharpe and Sortino ratios, maximum, current, and average drawdown, Ulcer Index, and worst single-day and single-week drops across every timeframe.
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