Tax-loss harvesting alternatives for UPBD

Among the 44 Computer & Electronics Retail peers screened, FND (Floor & Decor) has tracked UPBD most closely over the past year, with a return correlation of 0.53. The strongest fund stand-in is XRT (SPDR S&P Retail ETF) at 0.69 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	0.53	0.52	0.49	0.42
HD	Home Depot	Home Improvement Retail	0.51	0.48	0.45	0.41
RH	RH	Homefurnishing Retail	0.50	0.47	0.45	0.40
LOW	Lowe's Companies	Home Improvement Retail	0.46	0.49	0.47	0.42
SBH	Sally Beauty Holdings, Inc.	Specialty Stores	0.46	0.46	0.46	0.39
WSM	Williams-Sonoma, Inc.	Homefurnishing Retail	0.46	0.40	0.44	0.41
GAP	Gap Inc.	Apparel Retail	0.44	0.39	0.41	0.41
ABG	Asbury Automotive Group	Automotive Retail	0.43	0.53	0.49	0.45
AAP	Advance Auto Parts	Automotive Retail	0.43	0.33	0.30	0.29
BOOT	Boot Barn Holdings, Inc.	Apparel Retail	0.41	0.39	0.40	0.36
AN	AutoNation	Automotive Retail	0.41	0.49	0.45	0.41
EYE	National Vision Holdings	Specialty Stores	0.40	0.41	0.38	0.39
SIG	Signet Jewelers	Specialty Stores	0.40	0.43	0.45	0.39
SAH	Sonic Automotive, Inc.	Automotive Retail	0.40	0.47	0.46	0.44
URBN	Urban Outfitters, Inc.	Apparel Retail	0.39	0.36	0.41	0.38
CVNA	Carvana	Automotive Retail	0.38	0.31	0.32	0.29
KMX	CarMax, Inc.	Automotive Retail	0.38	0.44	0.43	0.41
BBY	Best Buy Co.	Computer & Electronics Retail	0.38	0.44	0.46	0.43
WINA	Winmark	Other Specialty Retail	0.38	0.38	0.35	0.31
VVV	Valvoline	Automotive Retail	0.38	0.40	0.39	0.36
PHIN	PHINIA, Inc.	Automotive Retail	0.37	0.41	0.33	—
ASO	Academy Sports + Outdoors	Specialty Stores	0.37	0.46	0.46	—
DKS	Dick's Sporting Goods	Specialty Stores	0.37	0.40	0.43	0.39
AEO	American Eagle Outfitters	Apparel Retail	0.36	0.39	0.42	0.38
GPI	Group 1 Automotive, Inc.	Automotive Retail	0.36	0.47	0.47	0.43
BKE	The Buckle, Inc.	Apparel Retail	0.36	0.45	0.47	0.36
PAG	Penske Automotive Group	Automotive Retail	0.35	0.49	0.47	0.46
BBWI	Bath & Body Works, Inc.	Other Specialty Retail	0.34	0.40	0.41	0.37
ANF	Abercrombie & Fitch	Apparel Retail	0.34	0.28	0.33	0.32
LAD	Lithia Motors	Automotive Retail	0.32	0.44	0.44	0.41
VSXY	Victoria's Secret	Apparel Retail	0.28	0.32	0.36	—
HZO	MarineMax, Inc.	Specialty Stores	0.27	0.41	0.42	0.36
TSCO	Tractor Supply	Other Specialty Retail	0.27	0.31	0.32	0.30
FIVE	Five Below	Other Specialty Retail	0.26	0.30	0.35	0.34
BURL	Burlington Stores	Apparel Retail	0.26	0.35	0.37	0.35
ROST	Ross Stores	Apparel Retail	0.26	0.31	0.35	0.35
CHWY	Chewy	Other Specialty Retail	0.25	0.19	0.27	0.25
ULTA	Ulta Beauty	Other Specialty Retail	0.25	0.28	0.30	0.33
TJX	TJX Companies	Apparel Retail	0.21	0.29	0.32	0.36
ORLY	O'Reilly Automotive	Automotive Retail	0.16	0.14	0.18	0.25
AZO	AutoZone Inc.	Automotive Retail	0.15	0.16	0.18	0.25
GME	GameStop	Computer & Electronics Retail	0.13	0.12	0.19	0.15
MUSA	Murphy USA	Automotive Retail	-0.04	0.11	0.18	0.23
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	0.69	0.67	0.64	0.57
VCR	Vanguard Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.60	0.54	0.53	0.49
FDIS	Fidelity MSCI Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.59	0.54	0.53	0.48
IYC	iShares US Consumer Discretionary	Cons Discretionary Sector	SECTOR	0.59	0.53	0.53	0.49
XLY	Consumer Discretionary SPDR	Cons Discretionary Sector	SECTOR	0.56	0.51	0.50	0.47
XHB	SPDR S&P Homebuilders ETF	Homebuilders	SUB-IND	0.54	0.58	0.56	0.53
ITB	iShares US Home Construction	Homebuilders	SUB-IND	0.54	0.55	0.53	0.48
PEJ	Invesco Leisure & Entertainment	Leisure & Entertainment	INDUSTRY	0.48	0.51	0.50	0.47
RTH	VanEck Retail ETF	Retail	INDUSTRY	0.45	0.46	0.47	0.43
BETZ	Roundhill Sports Betting iGaming	Sports Betting	SUB-IND	0.34	0.39	0.42	0.43
DRIV	Global X Autonomous & EV ETF	Autonomous & EV	INDUSTRY	0.27	0.39	0.43	0.43
CARZ	First Trust S-Network EV & FV	Autos & EVs	INDUSTRY	0.25	0.34	0.37	0.37

NEXT STEPS

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Replacement research for UPBD's peers

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