What is SoFi Technologies, Inc.'s Shariah compliance score?

SoFi Technologies, Inc.'s (SOFI) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does SoFi Technologies, Inc. pass AAOIFI screening?

SoFi Technologies, Inc. (SOFI) 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% (SOFI: 8.1%), (3) interest-bearing deposits below 30% (SOFI: 9.2%), and (4) prohibited income below 5% (SOFI: 544.1%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for SoFi Technologies, Inc. stock?

SoFi Technologies, Inc. (SOFI) has a non-permissible income ratio of 544.10%. Muslim investors should purify this percentage of any dividends received and capital gains realized from SOFI 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 SoFi Technologies, Inc. for Shariah compliance for free?

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

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

SOFI: Is SoFi Technologies, Inc. Halal?

Not Halal

SoFi Technologies, Inc.

NASDAQFinancial ServicesUS

$17.42

-4.52%

AvoidBorderlineClean

About SoFi Technologies, Inc.

SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.

Sector: Financial Services · Industry: Financial - Credit Services

Read Full Analysis

Is SoFi (SOFI) Stock Halal? Shariah Compliance Analysis

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 17, 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 Cap8.1% / 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 17, 2026Fiscal: Q1 2026Source: EDGAR

Financial Overview

Market Cap

22.3B

Price

$17.42

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:

GLDA+

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SLVA+

iShares Silver Trust

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ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

IPCXA+

Inflection Point Acquisition Corp. III

$10.31

+0.00%

AXINA+

Axiom Intelligence Acquisition Corp 1

$10.42

+0.29%

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Free · No credit card required

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Frequently Asked Questions

Is SoFi Technologies, Inc. (SOFI) halal to invest in?

SoFi Technologies, Inc. (SOFI) 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 SoFi Technologies, Inc. get a F compliance rating?

SoFi Technologies, Inc. (SOFI) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 8.1% (limit 30%); interest-bearing deposits of 9.2% (limit 30%); prohibited income of 544.10% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change SoFi Technologies, Inc.'s Shariah verdict?

SoFi Technologies, 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 SoFi Technologies, Inc. re-screened for Shariah compliance?

SoFi Technologies, Inc. (SOFI) 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 17, 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.