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

Qfin Holdings, Inc.

QFIN: Is Qfin Holdings, Inc. Halal?

Not Halal

Qfin Holdings, Inc.

NASDAQFinancial ServicesCN

$15.03

-0.27%

About Qfin Holdings, Inc.

Qifu Technology, Inc. (QFIN), known as 360 DigiTech, Inc. until its rebranding in March 2023, is a credit technology firm based in the People's Republic of China. Through its 360 Jietiao platform, the company facilitates credit-driven services by connecting borrowers with financial institutions. Its comprehensive offerings cover the entire lending lifecycle, including identifying and acquiring customers, performing initial and advanced credit screenings, conducting sophisticated risk assessments, evaluating creditworthiness, matching funds, and providing ongoing post-facilitation support. Additionally, Qifu Technology furnishes its financial partners with platform services, utilizing an intelligent credit engine, referral systems, and risk management software-as-a-service (SaaS) to streamline loan origination and subsequent management. The company specializes in various loan types, such as e-commerce, enterprise, and invoice loans, catering particularly to the needs of small and micro-enterprise owners. Serving a broad clientele that includes financial institutions, individual consumers, and SMEs, Qifu Technology was founded in 2016 and maintains its headquarters in Shanghai, China.

Sector: Financial Services 路 Industry: Financial - Credit Services

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 18, 2026
F

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 Cap195.4% / 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: FY 2025Source: FMP

Financial Overview

Market Cap

2.0B

Price

$15.03

Sector

Financial Services

Industry

Financial - Credit Services

Halal Alternatives in Financial Services

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

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Frequently Asked Questions

Is Qfin Holdings, Inc. (QFIN) halal to invest in?
Qfin Holdings, Inc. (QFIN) 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 Qfin Holdings, Inc. get a F compliance rating?
Qfin Holdings, Inc. (QFIN) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 195.4% (limit 30%); interest-bearing deposits of 385.8% (limit 30%); prohibited income of 44.62% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change Qfin Holdings, Inc.'s Shariah verdict?
Qfin 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 Qfin Holdings, Inc. re-screened for Shariah compliance?
Qfin Holdings, Inc. (QFIN) 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 路 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.