PRAY vs. TPHD

Last updated Jun 4, 2026

PRAY (FIS Biblically Responsible Risk Managed ETF) and TPHD (Timothy Plan High Dividend Stock ETF) are both exchange-traded funds - PRAY is a Large Cap Blend Equities fund tracking the NONE, while TPHD is a Mid Cap Value Equities fund tracking the Victory US Large Cap High Dividend Volatility Weighted BRI Index. Both are passively managed. Over the past 3 years, PRAY returned 16.61%/yr vs 13.21%/yr for TPHD. A 0.74 correlation means they provide meaningful diversification when combined. PRAY charges 0.69%/yr vs 0.52%/yr for TPHD.

Performance

PRAY vs. TPHD - Performance Comparison

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

Returns By Period

In the year-to-date period, PRAY achieves a 14.78% return, which is significantly higher than TPHD's 8.56% return.

PRAY

• 1D: -0.81%
• 1M: 3.83%
• YTD: 14.78%
• 6M: 14.02%
• 1Y: 21.06%
• 3Y*: 16.61%
• 5Y*: —
• 10Y*: —

TPHD

• 1D: 0.03%
• 1M: -1.27%
• YTD: 8.56%
• 6M: 7.69%
• 1Y: 13.23%
• 3Y*: 13.21%
• 5Y*: 8.52%
• 10Y*: —

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

PRAY vs. TPHD - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022
PRAY FIS Biblically Responsible Risk Managed ETF	14.78%	9.08%	13.02%	20.02%	-13.49%
TPHD Timothy Plan High Dividend Stock ETF	8.56%	8.28%	12.14%	8.86%	-0.03%

Correlation

The correlation between PRAY and TPHD is 0.55, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.55
Correlation (3Y) Calculated over the trailing 3-year period	0.67
Correlation (All Time) Calculated using the full available price history since Feb 9, 2022	0.74

The correlation between PRAY and TPHD shifts across timeframes, from 0.55 (1 year) to 0.74 (all time), reflecting how their relationship changes across market environments.

PRAY vs. TPHD - Sectors Allocation Comparison

Sectors	PRAY	TPHD
Technology	25.2%	8.8%
Industrials	15.3%	18.3%
Consumer Cyclical	14.3%	8.9%
Financial Services	12.5%	12.6%
Communication Services	8.6%	0.0%
Healthcare	7.7%	2.5%
Utilities	4.2%	24.1%
Consumer Defensive	4.0%	4.2%
Energy	3.8%	15.4%
Basic Materials	3.0%	5.3%
Real Estate	1.6%	0.0%

Return for Risk

PRAY vs. TPHD — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

PRAY

PRAY Risk / Return Rank: 51
PRAY Sharpe Ratio Rank: 49
PRAY Sortino Ratio Rank: 51
PRAY Omega Ratio Rank: 47
PRAY Calmar Ratio Rank: 49
PRAY Martin Ratio Rank: 60

TPHD

TPHD Risk / Return Rank: 38
TPHD Sharpe Ratio Rank: 35
TPHD Sortino Ratio Rank: 36
TPHD Omega Ratio Rank: 33
TPHD Calmar Ratio Rank: 44
TPHD Martin Ratio Rank: 39

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

PRAY vs. TPHD - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for FIS Biblically Responsible Risk Managed ETF (PRAY) and Timothy Plan High Dividend Stock ETF (TPHD). 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.

	PRAY	TPHD	Difference
Sharpe ratio: Return per unit of total volatility	1.67	1.27	+0.39
Sortino ratio: Return per unit of downside risk	2.47	1.92	+0.55
Omega ratio: Gain probability vs. loss probability	1.29	1.22	+0.07
Calmar ratio: Return relative to maximum drawdown	2.40	2.19	+0.22
Martin ratio: Return relative to average drawdown	10.57	6.20	+4.37
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

PRAY vs. TPHD - Sharpe Ratio Comparison

The current PRAY Sharpe Ratio is 1.67, which is higher than the TPHD Sharpe Ratio of 1.27. The chart below compares the historical Sharpe Ratios of PRAY and TPHD, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	PRAY	TPHD	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.67	1.27	+0.39
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.59	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.59	0.51	+0.08

Drawdowns

PRAY vs. TPHD - Drawdown Comparison

The maximum PRAY drawdown since its inception was -21.40%, smaller than the maximum TPHD drawdown of -41.71%. Use the drawdown chart below to compare losses from any high point for PRAY and TPHD.

Drawdown Indicators

	PRAY	TPHD	Difference
Max Drawdown Largest peak-to-trough decline	-21.40%	-41.71%	+20.31%
Max Drawdown (1Y) Largest decline over 1 year	-8.80%	-6.08%	-2.72%
Max Drawdown (3Y) Largest decline over 3 years	-17.13%	-15.89%	-1.24%
Max Drawdown (5Y) Largest decline over 5 years	—	-16.54%	—
Current Drawdown Current decline from peak	-0.81%	-3.25%	+2.44%
Average Drawdown Average peak-to-trough decline	-5.43%	-4.73%	-0.70%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.00%	2.14%	-0.14%

Volatility

PRAY vs. TPHD - Volatility Comparison

FIS Biblically Responsible Risk Managed ETF (PRAY) has a higher volatility of 4.21% compared to Timothy Plan High Dividend Stock ETF (TPHD) at 2.60%. This indicates that PRAY's price experiences larger fluctuations and is considered to be riskier than TPHD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	PRAY	TPHD	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.21%	2.60%	+1.61%
Volatility (6M) Calculated over the trailing 6-month period	10.58%	7.35%	+3.23%
Volatility (1Y) Calculated over the trailing 1-year period	12.70%	10.48%	+2.22%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	16.00%	14.60%	+1.40%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.00%	19.63%	-3.63%

PRAY vs. TPHD - Expense Ratio Comparison

PRAY has a 0.69% expense ratio, which is higher than TPHD's 0.52% expense ratio.

Dividends

PRAY vs. TPHD - Dividend Comparison

PRAY's dividend yield for the trailing twelve months is around 0.60%, less than TPHD's 2.00% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019
PRAY FIS Biblically Responsible Risk Managed ETF	0.60%	0.69%	0.76%	0.83%	1.20%	0.00%	0.00%	0.00%
TPHD Timothy Plan High Dividend Stock ETF	2.00%	2.10%	2.09%	2.19%	2.38%	1.86%	2.38%	1.61%

Frequently Asked Questions

Can I hold both PRAY and TPHD in my portfolio?

PRAY and TPHD have a correlation of 0.55, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, PRAY or TPHD?

PRAY has higher volatility (4.21%) compared to TPHD (2.60%). In terms of maximum drawdown, PRAY dropped -21.40% vs TPHD's -41.71%.

Which ETF is better, PRAY or TPHD?

On 3-year performance, PRAY leads with 16.61% vs 13.21% for TPHD. On fees, TPHD is cheaper at 0.52% per year. On volatility, TPHD has been the lower-risk option at 2.60%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, PRAY or TPHD?

Over the 3-year period, PRAY has performed better with a 16.61% return vs 13.21%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, PRAY or TPHD?

TPHD is cheaper with a 0.52% expense ratio, compared with 0.69% for PRAY.

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

TPHD has the higher dividend yield at 2.00%, compared with 0.60% for PRAY.

What is the main difference between PRAY and TPHD?

PRAY is categorized as Large Cap Blend Equities, while TPHD is Mid Cap Value Equities. PRAY tracks NONE, while TPHD tracks Victory US Large Cap High Dividend Volatility Weighted BRI Index. They also come from different issuers: Faith Investor Services and Timothy Plan. Their fees differ too: 0.69% for PRAY and 0.52% for TPHD.

Which has better risk-adjusted returns?

PRAY currently has the higher Sharpe Ratio (1.67 vs 1.27), 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.