BIBL vs. PRAY

Last updated Aug 2, 2026

BIBL (Inspire 100 ETF) and PRAY (FIS Biblically Responsible Risk Managed ETF) are both exchange-traded funds - BIBL is a Large Cap Growth Equities fund tracking the Inspire 100 Index, while PRAY is a Large Cap Blend Equities fund tracking the NONE. Both are passively managed. Over the past 3 years, BIBL returned 18.28%/yr vs 13.31%/yr for PRAY. Their correlation of 0.88 means they have usually moved in the same direction. BIBL charges 0.35%/yr vs 0.69%/yr for PRAY.

Performance

BIBL vs. PRAY - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Inspire 100 ETF (BIBL) and FIS Biblically Responsible Risk Managed ETF (PRAY). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, BIBL achieves a 21.43% return, which is significantly higher than PRAY's 12.64% return.

BIBL

• 1D: 0.80%
• 1M: -2.31%
• 6M: 14.67%
• YTD: 21.43%
• 1Y: 31.70%
• 3Y*: 18.28%
• 5Y*: 9.07%
• 10Y*: —
• ALL TIME*: 12.64%

PRAY

• 1D: 0.80%
• 1M: 1.10%
• 6M: 8.04%
• YTD: 12.64%
• 1Y: 16.05%
• 3Y*: 13.31%
• 5Y*: —
• 10Y*: —
• ALL TIME*: 8.74%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
BIBL Inspire 100 ETF	$2.49M	$2.79M	$2.92M
PRAY FIS Biblically Responsible Risk Managed ETF	$230.70K	$478.28K	$359.91K

BIBL vs. PRAY - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022
BIBL Inspire 100 ETF	21.43%	17.27%	12.49%	17.87%	-14.95%
PRAY FIS Biblically Responsible Risk Managed ETF	12.64%	9.08%	13.02%	20.02%	-12.71%

Correlation

The correlation between BIBL and PRAY is 0.80, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.80
Correlation (3Y) Balances recent behavior with more history.	0.84
Correlation (All Time) Calculated using the full available price history since Feb 8, 2022	0.88

The correlation between BIBL and PRAY has been stable across timeframes, ranging from 0.80 to 0.88 - a consistent structural relationship.

BIBL vs. PRAY - Sectors Allocation Comparison

Sectors	BIBL	PRAY
Technology	33.0%	28.5%
Industrials	26.8%	16.2%
Real Estate	14.2%	1.5%
Financial Services	8.3%	12.5%
Energy	5.4%	3.2%
Healthcare	4.4%	7.0%
Basic Materials	3.8%	3.0%
Utilities	3.4%	3.8%
Consumer Defensive	0.4%	3.4%
Consumer Cyclical	0.3%	13.1%
Communication Services	-	7.7%

Return for Risk

BIBL vs. PRAY — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

BIBL

BIBL Risk / Return Rank: 79
BIBL Sharpe Ratio Rank: 76
BIBL Sortino Ratio Rank: 74
BIBL Omega Ratio Rank: 72
BIBL Calmar Ratio Rank: 86
BIBL Martin Ratio Rank: 86

PRAY

PRAY Risk / Return Rank: 48
PRAY Sharpe Ratio Rank: 45
PRAY Sortino Ratio Rank: 47
PRAY Omega Ratio Rank: 43
PRAY Calmar Ratio Rank: 50
PRAY Martin Ratio Rank: 57

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

BIBL vs. PRAY - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Inspire 100 ETF (BIBL) and FIS Biblically Responsible Risk Managed ETF (PRAY). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	BIBL	PRAY	Difference
Sharpe ratio: Return per unit of total volatility	1.73	1.12	+0.62
Sortino ratio: Return per unit of downside risk	2.37	1.71	+0.66
Omega ratio: Gain probability vs. loss probability	1.30	1.20	+0.10
Calmar ratio: Return relative to maximum drawdown	3.38	1.80	+1.58
Martin ratio: Return relative to average drawdown	12.27	6.89	+5.38

BIBL vs. PRAY - Sharpe Ratio Comparison

The current BIBL Sharpe Ratio is 1.73, which is higher than the PRAY Sharpe Ratio of 1.12. The chart below compares the historical Sharpe Ratios of BIBL and PRAY, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

BIBL vs. PRAY - Drawdown Comparison

The maximum BIBL drawdown since its inception was -36.12%, which is greater than PRAY's maximum drawdown of -21.40%. Use the drawdown chart below to compare losses from any high point for BIBL and PRAY.

Drawdown Indicators

	BIBL	PRAY	Difference
Max Drawdown Largest peak-to-trough decline	-36.12%	-21.40%	-14.72%
Max Drawdown (1Y) Largest decline over 1 year	-8.94%	-8.80%	-0.14%
Max Drawdown (3Y) Largest decline over 3 years	-20.60%	-17.13%	-3.47%
Max Drawdown (5Y) Largest decline over 5 years	-30.85%	—	—
Current Drawdown Current decline from peak	-5.89%	-2.66%	-3.23%
Average Drawdown Average peak-to-trough decline	-6.96%	-5.33%	-1.63%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.46%	2.30%	+0.16%

Volatility

BIBL vs. PRAY - Volatility Comparison

Inspire 100 ETF (BIBL) has a higher volatility of 5.03% compared to FIS Biblically Responsible Risk Managed ETF (PRAY) at 4.62%. This indicates that BIBL's price experiences larger fluctuations and is considered to be riskier than PRAY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	BIBL	PRAY	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.03%	4.62%	+0.41%
Volatility (6M) Calculated over the trailing 6-month period	14.49%	12.20%	+2.29%
Volatility (1Y) Calculated over the trailing 1-year period	17.45%	14.20%	+3.25%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	19.91%	16.08%	+3.83%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	21.10%	16.08%	+5.02%

BIBL vs. PRAY - Expense Ratio Comparison

BIBL has a 0.35% expense ratio, which is lower than PRAY's 0.69% expense ratio.

Dividends

BIBL vs. PRAY - Dividend Comparison

BIBL's dividend yield for the trailing twelve months is around 0.95%, more than PRAY's 0.61% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017
BIBL Inspire 100 ETF	0.95%	1.01%	0.92%	1.02%	0.98%	17.87%	1.67%	1.30%	1.49%	0.31%
PRAY FIS Biblically Responsible Risk Managed ETF	0.61%	0.69%	0.76%	0.83%	1.20%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both BIBL and PRAY in my portfolio?

BIBL and PRAY have a correlation of 0.80, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, BIBL or PRAY?

BIBL has higher volatility (5.03%) compared to PRAY (4.62%). In terms of maximum drawdown, BIBL dropped -36.12% vs PRAY's -21.40%.

Which ETF is better, BIBL or PRAY?

On 3-year performance, BIBL leads with 18.28% vs 13.31% for PRAY. On fees, BIBL is cheaper at 0.35% per year. On volatility, PRAY has been the lower-risk option at 4.62%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, BIBL or PRAY?

Over the 3-year period, BIBL has performed better with a 18.28% return vs 13.31%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, BIBL or PRAY?

BIBL is cheaper with a 0.35% expense ratio, compared with 0.69% for PRAY.

Which ETF pays a higher dividend yield, BIBL or PRAY?

BIBL has the higher dividend yield at 0.95%, compared with 0.61% for PRAY.

What is the main difference between BIBL and PRAY?

BIBL is categorized as Large Cap Growth Equities, while PRAY is Large Cap Blend Equities. BIBL tracks Inspire 100 Index, while PRAY tracks NONE. They also come from different issuers: Inspire and Faith Investor Services. Their fees differ too: 0.35% for BIBL and 0.69% for PRAY.

Which has better risk-adjusted returns?

BIBL currently has the higher Sharpe Ratio (1.73 vs 1.12), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.