What is Affirm Holdings, Inc.'s Shariah compliance score?

Affirm Holdings, Inc.'s (AFRM) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Affirm Holdings, Inc. pass AAOIFI screening?

Affirm Holdings, Inc. (AFRM) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (AFRM: 37.5%), (3) interest-bearing deposits below 30% (AFRM: 5.7%), and (4) prohibited income below 5% (AFRM: 147.3%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Affirm Holdings, Inc. stock?

Affirm Holdings, Inc. (AFRM) has a non-permissible income ratio of 147.28%. Muslim investors should purify this percentage of any dividends received and capital gains realized from AFRM shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Affirm Holdings, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Affirm Holdings, Inc. (AFRM) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about AFRM's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

Is Affirm Holdings, Inc. (AFRM) halal? Not Halal. Based on AAOIFI screening, Affirm Holdings, Inc. passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

AFRM: Is Affirm Holdings, Inc. Halal?

Not Halal

Affirm Holdings, Inc.

NASDAQTechnologyUS

$70.73

-2.61%

AvoidBorderlineClean

About Affirm Holdings, Inc.

Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry. The company was founded in 2012 and is headquartered in San Francisco, California.

Sector: Technology · Industry: Software - Infrastructure

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 18, 2026

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Passed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap37.5% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Screened: Jun 18, 2026Fiscal: Q3 2026Source: EDGAR

Financial Overview

Market Cap

23.7B

Price

$70.73

Sector

Technology

Industry

Software - Infrastructure

Halal Alternatives in Technology

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

UIA+

Ubiquiti Inc.

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RCATA+

Red Cat Holdings, Inc.

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Platinum Analytics Cayman Limited Class A Ordinary Shares

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UCrest Bhd

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$0.30

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Frequently Asked Questions

Is Affirm Holdings, Inc. (AFRM) halal to invest in?

Affirm Holdings, Inc. (AFRM) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Affirm Holdings, Inc. get a F compliance rating?

Affirm Holdings, Inc. (AFRM) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 37.5% (limit 30%); interest-bearing deposits of 5.7% (limit 30%); prohibited income of 147.28% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Affirm Holdings, Inc.'s Shariah verdict?

Affirm Holdings, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Affirm Holdings, Inc. re-screened for Shariah compliance?

Affirm Holdings, Inc. (AFRM) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jun 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.