What is SAP SE's Shariah compliance score?

SAP SE (SAP) has a Shariah compliance score of 66/100 (Grade: B, Acceptable) based on AAOIFI screening standards. Scores above 70 typically indicate strong compliance. The score factors in business activity screening and financial ratio analysis including debt levels, interest-bearing deposits, and prohibited income percentages. View the full breakdown at HalalScreener.app.

Does SAP SE pass AAOIFI screening?

SAP SE (SAP) partially passes with caution 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% (SAP: 4.9%), (3) interest-bearing deposits below 30% (SAP: 5.9%), and (4) prohibited income below 5% (SAP: 5.0%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for SAP SE stock?

SAP SE (SAP) has a non-permissible income ratio of 4.99%. Muslim investors should purify this percentage of any dividends received and capital gains realized from SAP 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 SAP SE for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for SAP SE (SAP) 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 SAP's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

Is SAP SE (SAP) halal? Doubtful. Based on AAOIFI screening, SAP SE passes the business activity screen but has financial ratios approaching AAOIFI limits with a compliance score of 66/100 (Grade: B).

SAP: Is SAP SE Halal?

Doubtful

SAP SE

NYSETechnologyDE

$158.79

-4.00%

AvoidBorderlineClean

Purify ~5% of income

About SAP SE

SAP SE, founded in Walldorf, Germany, in 1972, is a global provider of diverse software applications, technology, and services. The company's core enterprise resource planning (ERP) platform, SAP S/4HANA, offers robust functionalities for finance, risk management, project execution, procurement, manufacturing, supply chain optimization, asset management, and research and development. For human resources, SAP delivers SuccessFactors solutions, which encompass HR and payroll, talent and employee experience management, and comprehensive people and workforce analytics. Additionally, SAP provides spend management tools designed to handle direct and indirect expenditures, travel and expense reporting, and external workforce administration. SAP further extends its portfolio with customer experience solutions and the SAP Business Technology Platform, empowering both clients and partners to develop, integrate, and automate applications. Its SAP Business Network serves as a crucial business-to-business collaboration platform, digitizing key supply chain processes and facilitating seamless communication among trading partners. The company also offers SAP Signavio for discovering, analyzing, and enhancing business process operations, alongside modular industry-specific cloud solutions. Through Taulia, SAP provides working capital management solutions, helping customers improve liquidity visibility and mitigate the effects of inflation. Completing its extensive offerings, SAP also provides a range of sustainability solutions and services.

Sector: Technology · Industry: Software - Application

Why This Stock Is Doubtful

Non-compliant income is 5.0% of revenue, only 0.0 points below the 5% limit

Stocks are marked Doubtful when financial ratios pass but approach AAOIFI thresholds. Consider consulting a qualified scholar for a definitive ruling.

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 18, 2026

Acceptable

Acceptable but room for improvement

66Score

Business Activity Screen

Passed

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

Financial Ratio Screen

Passed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap4.9% / 30.0%

Compliance History

Doubtful, unchanged since Jun 2026.

No status changes recorded since we began tracking.

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

Screened: Jun 18, 2026Fiscal: FY 2025Source: FMP-ADR

Purify Your SAP Dividends

5.0% non-compliant income

SAP has 5.0% prohibited income. Calculate exactly how much of your dividends to donate.

Financial Overview

Market Cap

185.0B

Price

$158.79

Sector

Technology

Industry

Software - Application

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Frequently Asked Questions

Is SAP SE (SAP) halal to invest in?

SAP SE (SAP) is rated Doubtful under AAOIFI Standard 21. It passes the business activity screen but one or more financial ratios are approaching (though not yet exceeding) the AAOIFI thresholds (30% for debt and interest deposits, 5% for prohibited income). Consult a qualified Islamic finance scholar for a personal ruling.

Why did SAP SE get a B compliance rating?

SAP SE (SAP) received a grade of B (Acceptable) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 4.9% (limit 30%); interest-bearing deposits of 5.9% (limit 30%); prohibited income of 4.99% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change SAP SE's Shariah verdict?

SAP SE'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 SAP SE re-screened for Shariah compliance?

SAP SE (SAP) 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.