Tax-loss harvesting alternatives for RH

Among the 44 Homefurnishing Retail peers screened, FND (Floor & Decor) has tracked RH most closely over the past year, with a return correlation of 0.63. The strongest fund stand-in is XRT (SPDR S&P Retail ETF) at 0.62 over the past year. Correlations are computed from daily closing-price returns aligned by trading day.

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STOCKS

Single-name peers

Ticker	Name	Sub-industry	1Y	3Y	5Y	10Y
FND	Floor & Decor	Home Improvement Retail	0.63	0.62	0.63	0.53
WSM	Williams-Sonoma, Inc.	Homefurnishing Retail	0.61	0.60	0.64	0.56
HD	Home Depot	Home Improvement Retail	0.53	0.53	0.54	0.48
LOW	Lowe's Companies	Home Improvement Retail	0.53	0.55	0.56	0.48
UPBD	Upbound Group, Inc.	Computer & Electronics Retail	0.50	0.47	0.45	0.40
DKS	Dick's Sporting Goods	Specialty Stores	0.43	0.48	0.49	0.42
ABG	Asbury Automotive Group	Automotive Retail	0.42	0.49	0.48	0.41
SIG	Signet Jewelers	Specialty Stores	0.42	0.45	0.47	0.36
PHIN	PHINIA, Inc.	Automotive Retail	0.42	0.44	0.36	—
BOOT	Boot Barn Holdings, Inc.	Apparel Retail	0.40	0.49	0.50	0.40
AN	AutoNation	Automotive Retail	0.40	0.51	0.48	0.41
SAH	Sonic Automotive, Inc.	Automotive Retail	0.39	0.41	0.43	0.38
GAP	Gap Inc.	Apparel Retail	0.38	0.41	0.44	0.41
EYE	National Vision Holdings	Specialty Stores	0.38	0.41	0.40	0.42
URBN	Urban Outfitters, Inc.	Apparel Retail	0.38	0.42	0.47	0.39
VVV	Valvoline	Automotive Retail	0.38	0.37	0.38	0.36
AEO	American Eagle Outfitters	Apparel Retail	0.37	0.43	0.47	0.40
BBY	Best Buy Co.	Computer & Electronics Retail	0.37	0.47	0.51	0.46
PAG	Penske Automotive Group	Automotive Retail	0.36	0.47	0.46	0.43
ANF	Abercrombie & Fitch	Apparel Retail	0.35	0.37	0.40	0.34
ASO	Academy Sports + Outdoors	Specialty Stores	0.34	0.48	0.50	—
VSXY	Victoria's Secret	Apparel Retail	0.34	0.43	0.45	—
CVNA	Carvana	Automotive Retail	0.34	0.39	0.37	0.35
KMX	CarMax, Inc.	Automotive Retail	0.34	0.43	0.46	0.40
LAD	Lithia Motors	Automotive Retail	0.33	0.45	0.47	0.41
AAP	Advance Auto Parts	Automotive Retail	0.32	0.26	0.29	0.28
BBWI	Bath & Body Works, Inc.	Other Specialty Retail	0.32	0.45	0.46	0.40
GPI	Group 1 Automotive, Inc.	Automotive Retail	0.31	0.44	0.44	0.40
SBH	Sally Beauty Holdings, Inc.	Specialty Stores	0.31	0.40	0.44	0.36
BKE	The Buckle, Inc.	Apparel Retail	0.30	0.47	0.48	0.37
BURL	Burlington Stores	Apparel Retail	0.30	0.41	0.43	0.39
FIVE	Five Below	Other Specialty Retail	0.28	0.42	0.48	0.43
CHWY	Chewy	Other Specialty Retail	0.26	0.25	0.35	0.32
TSCO	Tractor Supply	Other Specialty Retail	0.26	0.27	0.34	0.30
ULTA	Ulta Beauty	Other Specialty Retail	0.25	0.34	0.39	0.36
WINA	Winmark	Other Specialty Retail	0.25	0.29	0.32	0.28
ROST	Ross Stores	Apparel Retail	0.23	0.33	0.37	0.35
HZO	MarineMax, Inc.	Specialty Stores	0.21	0.39	0.43	0.36
TJX	TJX Companies	Apparel Retail	0.21	0.25	0.33	0.35
GME	GameStop	Computer & Electronics Retail	0.09	0.16	0.22	0.13
AZO	AutoZone Inc.	Automotive Retail	0.07	0.06	0.14	0.23
ORLY	O'Reilly Automotive	Automotive Retail	0.06	0.04	0.14	0.23
MUSA	Murphy USA	Automotive Retail	-0.09	0.01	0.07	0.18
VGNT	Versigent PLC	Other Specialty Retail	—	—	—	—

ETFS

Fund stand-ins

An ETF is generally not 'substantially identical' to a single stock, which is why funds are the standard wash-sale-aware replacement.

Ticker	Name	Focus	Match	1Y	3Y	5Y	10Y
XRT	SPDR S&P Retail ETF	Retail	INDUSTRY	0.62	0.67	0.67	0.56
XHB	SPDR S&P Homebuilders ETF	Homebuilders	SUB-IND	0.60	0.62	0.64	0.57
ITB	iShares US Home Construction	Homebuilders	SUB-IND	0.58	0.58	0.59	0.52
FDIS	Fidelity MSCI Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.52	0.60	0.62	0.55
VCR	Vanguard Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.52	0.60	0.62	0.55
IYC	iShares US Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.52	0.59	0.61	0.55
XLY	Consumer Discretionary SPDR	Cons Discretionary Sector	SECTOR	0.47	0.56	0.58	0.53
PEJ	Invesco Leisure & Entertainment	Leisure & Entertainment	INDUSTRY	0.46	0.56	0.57	0.50
DRIV	Global X Autonomous & EV ETF	Autonomous & EV	INDUSTRY	0.38	0.50	0.53	0.53
RTH	VanEck Retail ETF	Retail	INDUSTRY	0.34	0.46	0.52	0.49
CARZ	First Trust S-Network EV & FV	Autos & EVs	INDUSTRY	0.31	0.43	0.47	0.44
BETZ	Roundhill Sports Betting iGaming	Sports Betting	SUB-IND	0.28	0.42	0.47	0.46

NEXT STEPS

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Replacement research for RH's peers

FND WSM HD LOW UPBD DKS ABG SIG PHIN BOOT AN SAH GAP EYE URBN VVV AEO BBY PAG ANF ASO VSXY CVNA KMX LAD AAP BBWI GPI SBH BKE BURL FIVE CHWY TSCO ULTA WINA ROST HZO TJX GME AZO ORLY MUSA VGNT

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Method: Pearson correlation of daily closing-price returns, Yahoo Finance data, series aligned by trading day, refreshed weekly. A cell is blank when overlapping history covers less than 60% of its window. Correlation is descriptive, not predictive. Wash-sale treatment depends on facts and circumstances — confirm with a tax professional. Not investment advice.