TPIF - ETF AI Analysis

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Timothy Plan International ETF (TPIF)

Rating:60Neutral

Price Target:―

TPIF, the Timothy Plan International ETF, appears to be a solid but not top-tier fund, with its rating supported by strong, diversified holdings like National Bank of Canada, Hydro One, and IT:SRG, which show healthy financial performance, strategic growth, and generally positive technical trends. However, several utilities and telecom names such as Fortis, Swisscom, and others face bearish momentum, cash flow challenges, or valuation concerns, which likely weigh on the fund’s overall appeal. The main risk factor is its concentration in defensive, dividend-focused infrastructure and utility-type companies, where cash flow pressures and weak price momentum can limit upside.

Positive Factors

Broad Country Diversification

The fund spreads its investments across many countries, which helps reduce the impact if any single market struggles.

Balanced Sector Mix

Holdings are spread across financials, industrials, utilities, and several other sectors, limiting reliance on just one part of the economy.

Recent Performance Momentum

The ETF has shown steady gains over the past month, three months, and year-to-date, indicating recent positive momentum.

Negative Factors

Relatively High Expense Ratio

The fund’s expense ratio is on the higher side for an ETF, which can eat into long-term returns compared with lower-cost options.

Concentration in Financials and Industrials

A large share of the portfolio is in financial and industrial stocks, which could hurt performance if these sectors weaken.

Mixed Performance Among Top Holdings

Some of the largest positions have shown weak or negative performance so far this year, which can drag on overall fund results.

TPIF vs. SPDR S&P 500 ETF (SPY)

AUM219.60M

RegionDeveloped Markets

Expense Ratio0.62%

Beta0.62

IssuerTimothy

Inception DateDec 02, 2019

Dividend Yield2.38%

Asset ClassEquity

Index TrackedVictory International Volatility Weighted BRI

Share Statistics

EPS (TTM)N/A

Shares OutstandingN/A

10 Day Avg. Volume39,034

30 Day Avg. Volume40,624

Financial Highlights & Ratios

PEG RatioN/A

Price to Book (P/B)N/A

Price to Sales (P/S)N/A

P/FCF RatioN/A

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price Target

39.63

Price Target Upside― Downside

Rating ConsensusModerate Buy

Number of Analyst Covering328

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

TPIF Summary

TPIF, the Timothy Plan International ETF, follows the Victory International Volatility Weighted BRI index and invests in large, established companies outside the U.S. It spreads money across many countries like Japan, the UK, and Canada, and across sectors such as financials, industrials, and utilities. Well-known holdings include Fortis and National Bank of Canada. Someone might invest in TPIF to diversify beyond the U.S. market while following an ethical, values-based approach. A key risk is that international stocks can be volatile and their prices can go up and down with global markets and currency swings.

How much will it cost me?The Timothy Plan International ETF (TPIF) has an expense ratio of 0.62%, meaning you’ll pay $6.20 per year for every $1,000 invested. This expense ratio is higher than average because the fund is actively managed, focusing on ethical investing and carefully selecting holdings from developed markets outside the U.S.

What would affect this ETF?The Timothy Plan International ETF (TPIF) could benefit from stable growth in developed markets outside the U.S., particularly if large-cap companies in sectors like Financials and Industrials continue to perform well. However, challenges such as rising interest rates or economic slowdowns in these regions could negatively impact its holdings, especially in sectors like Utilities and Consumer Cyclical. Regulatory changes or geopolitical tensions in the ETF's focused markets may also influence its future performance.

TPIF Top 10 Holdings

TPIF is leaning heavily on steady, dividend-friendly utilities like CLP Holdings, Fortis, and Hydro One, which have been quietly rising and giving the fund a solid, if unspectacular, backbone. Swisscom and Italy’s SNAM are more like the fund’s sprinters, with strong recent gains helping to pull overall performance higher. On the flip side, Wilmar International and OCBC have shown more mixed, sometimes lagging moves, occasionally putting a brake on returns. Overall, the ETF is broadly diversified across developed markets outside the U.S., with a noticeable tilt toward defensive, income-oriented names.

Name	Company Name	Weight %	Market Value	Market Cap	Yearly Gain	Overall Rating
0002	CLP Holdings	0.78%	$1.70M	HK$189.74B	16.94%	71 Outperform
0006	Power Assets Holdings	0.57%	$1.24M	HK$133.30B	12.80%	62 Neutral
FTS	Fortis	0.54%	$1.18M	$29.38B	29.41%	61 Neutral
H	Hydro One	0.54%	$1.18M	C$35.44B	24.93%	73 Outperform
0003	Hong Kong & China Gas Co	0.53%	$1.16M	HK$140.14B	19.92%	65 Neutral
EMA	Emera	0.52%	$1.14M	$15.87B	27.48%	69 Neutral
NA	National Bank of Canada	0.51%	$1.10M	C$72.13B	68.48%	78 Outperform
SCMN	Swisscom AG	0.50%	$1.09M	CHF37.19B	38.21%	67 Neutral
SRG	SNAM S.p.A.	0.48%	$1.05M	€21.74B	43.46%	72 Outperform
F34	Wilmar International	0.48%	$1.04M	S$21.79B	12.00%	69 Neutral

TPIF Technical Analysis

Technical Analysis Sentiment

Negative

Last Price―

Price Trends

50DMA

36.60

Negative

100DMA

35.15

Positive

200DMA

33.65

Positive

Market Momentum

MACD

0.13

Positive

RSI

38.34

Neutral

STOCH

22.45

Neutral

Evaluating momentum and price trends is crucial in ETF analysis to make informed investment decisions. For TPIF, the sentiment is Negative. The current price of undefined is equal to the 20-day moving average (MA) of 37.85, equal to the 50-day MA of 36.60, and equal to the 200-day MA of 33.65, indicating a neutral trend. The MACD of 0.13 indicates Positive momentum. The RSI at 38.34 is Neutral, neither overbought nor oversold. The STOCH value of 22.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TPIF.

TPIF Peer Comparison

Comparison Results

Name	Price	Price Target	AUM	Expense Ratio	Overall Rating
TPIF	―	―	$219.60M	0.62%	60 Neutral
SEIE	―	―	$960.29M	0.50%	63 Neutral
IDHQ	―	―	$677.26M	0.29%	64 Neutral
TLTD	―	―	$620.50M	0.39%	64 Neutral
PTIN	―	―	$175.77M	0.67%	63 Neutral
TLCI	―	―	$103.20M	0.37%	64 Neutral

Performance Comparison

TPIF

Timothy Plan International ETF

36.33

8.31

29.66%

SEIE

SEI Select International Equity ETF

―

IDHQ

Invesco S&P International Developed High Quality ETF

―

TLTD

FlexShares Morningstar Developed Markets ex-US Factor Tilt

―

PTIN

Pacer Trendpilot International ETF

―

TLCI

Touchstone International Equity ETF

―

Glossary

BuyAn ETF rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the ETF is likely to deliver higher returns compared to other ETFs in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldAn ETF rated as a "Hold" s expected to perform in line with the overall market or a specific benchmark. This rating indicates that the ETF is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellAn ETF rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the ETF may deliver lower returns compared to other ETFs in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst ETF Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in ETFs carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: ―

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