What is UnitedHealth Group Incorporated's Shariah compliance score?

UnitedHealth Group Incorporated (UNH) has a Shariah compliance score of 73/100 (Grade: B+, Good) 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 UnitedHealth Group Incorporated pass AAOIFI screening?

UnitedHealth Group Incorporated (UNH) passes 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% (UNH: 19.3%), (3) interest-bearing deposits below 30% (UNH: 7.5%), and (4) prohibited income below 5% (UNH: 0.9%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for UnitedHealth Group Incorporated stock?

UnitedHealth Group Incorporated (UNH) has a non-permissible income ratio of 0.94%. Muslim investors should purify this percentage of any dividends received and capital gains realized from UNH 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 UnitedHealth Group Incorporated for Shariah compliance for free?

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

Is UnitedHealth Group Incorporated (UNH) halal? Halal. Based on AAOIFI screening, UnitedHealth Group Incorporated passes both qualitative (business activity) and quantitative (financial ratio) screens with a compliance score of 73/100 (Grade: B+).

UNH: Is UnitedHealth Group Incorporated Halal?

Halal

UnitedHealth Group Incorporated

NYSEHealthcareUS

$399.53

+3.10%

AvoidBorderlineClean

Purify ~0.9% of income

About UnitedHealth Group Incorporated

UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; health care coverage and well-being services to individuals age 50 and older addressing their needs for preventive and acute health care services, as well as services dealing with chronic disease and other specialized issues for older individuals; Medicaid plans, children's health insurance and health care programs; health and dental benefits; and hospital and clinical services. The OptumHealth segment provides access to networks of care provider specialists, health management services, care delivery, consumer engagement, and financial services. This segment serves individuals directly through care delivery systems, employers, payers, and government entities. The OptumInsight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, governments, life sciences companies, and other organizations. The OptumRx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and compounding pharmacy, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease/drug therapy management. UnitedHealth Group Incorporated was incorporated in 1977 and is based in Minnetonka, Minnesota.

Sector: Healthcare · Industry: Medical - Healthcare Plans

Read Full Analysis

Is UnitedHealth (UNH) Stock Halal? Shariah Compliance Analysis

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 15, 2026

B+

Good

Good compliance with minor concerns

73Score

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 Cap19.3% / 30.0%

Compliance History

Halal, unchanged since Jun 2026.

No status changes recorded since we began tracking.

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

Screened: Jun 15, 2026Fiscal: Q1 2026Source: EDGAR

Purify Your UNH Dividends

0.9% non-compliant income

UNH has 0.9% prohibited income. Calculate exactly how much of your dividends to donate.

Financial Overview

Market Cap

362.8B

Price

$399.53

Sector

Healthcare

Industry

Medical - Healthcare Plans

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Frequently Asked Questions

Is UnitedHealth Group Incorporated (UNH) halal to invest in?

Based on AAOIFI Standard 21 screening, UnitedHealth Group Incorporated (UNH) is rated Halal with a compliance grade of B+ (Good). It passes both the business activity screen (no primary involvement in prohibited sectors) and the quantitative financial ratio screen (debt, interest deposits, and prohibited income all below AAOIFI thresholds).

Why did UnitedHealth Group Incorporated get a B+ compliance rating?

UnitedHealth Group Incorporated (UNH) received a grade of B+ (Good) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 19.3% (limit 30%); interest-bearing deposits of 7.5% (limit 30%); prohibited income of 0.94% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change UnitedHealth Group Incorporated's Shariah verdict?

UnitedHealth Group Incorporated'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 UnitedHealth Group Incorporated re-screened for Shariah compliance?

UnitedHealth Group Incorporated (UNH) 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 15, 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.