BAMXFNot HalalF
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Is Bayerische Motoren Werke (BAMXF) Stock Halal?

Compliance Status

Not Halal

Screened on Nov 7, 2026 · AAOIFI Standard 21

F

Non-Compliant

0Score

Is Bayerische Motoren Werke AG (BAMXF) halal? Not Halal. Based on AAOIFI screening, Bayerische Motoren Werke AG passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates Bayerische Motoren Werke AG (BAMXF) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Nov 7, 2026. Source: https://halalscreener.app/en/stock/BAMXF

Business activity

What the company sells is permissible.

Passed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

298.9% of 30.0% limit
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Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding BAMXF

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

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Bayerische Motoren Werke AG

BAMXF

Bayerische Motoren Werke AG

OTCConsumer CyclicalDE

$62.83

Market Cap: 38.0B

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About Bayerische Motoren Werke AG

Bayerische Motoren Werke AG (BMW Group), along with its various subsidiaries, is a global enterprise specializing in the development, manufacturing, and distribution of automobiles, motorcycles, and their associated spare parts and accessories. The company's operations are structured across three main divisions: Automotive, Motorcycles, and Financial Services. The Automotive segment is responsible for the design, production, assembly, and sale of vehicles, ancillary components, accessories, and mobility solutions, all marketed under its prestigious BMW, MINI, and Rolls-Royce brands. Distribution of these products occurs through an extensive network of independent and officially authorized dealerships. The Motorcycles division focuses on the development, manufacturing, assembly, and retail of motorcycles and scooters, along with their complementary parts and accessories, primarily under the distinct BMW Motorrad brand. Lastly, the Financial Services segment offers a broad array of services, encompassing vehicle leasing, financing options for both retail clients and dealerships, multi-brand fleet management, customer deposit accounts, and insurance products. This segment also delivers fleet management solutions via its Alphabet brand. Established in 1916, the company's corporate headquarters are situated in Munich, Germany.

Sector: Consumer Cyclical · Industry: Auto - Manufacturers

Why this does not pass

  • Interest-bearing debt is 298.9% of market cap, over the 30% AAOIFI limit.
  • Interest-bearing deposits are over the 30% limit.

Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.

Shariah Compliance Status

AAOIFI Standard 21Updated Nov 7, 2026
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Revenue BreakdownProSee plans

Compliance History

Not Halal, unchanged since Sep 2026.

No status changes recorded since we began tracking.

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

Fiscal: FY 2025Data source: FMP-ADR
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Frequently Asked Questions

Is Bayerische Motoren Werke AG (BAMXF) halal to invest in?
Bayerische Motoren Werke AG (BAMXF) 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 Bayerische Motoren Werke AG get a F compliance rating?
Bayerische Motoren Werke AG (BAMXF) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 298.9% (limit 30%); interest-bearing deposits over the 30% limit; prohibited income well clear of the 5% limit. The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change Bayerische Motoren Werke AG's Shariah verdict?
Bayerische Motoren Werke AG's verdict is recalculated at every re-screen, including the one that follows each new quarterly or annual report. 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 Bayerische Motoren Werke AG re-screened for Shariah compliance?
Bayerische Motoren Werke AG (BAMXF) trades in the US as an ADR, so it is screened from the company's own financial statements in its home currency, currently those for fiscal year 2025, against its home-market market cap. It is re-screened about once a week. Last screened: Nov 7, 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.