BILLNot HalalF
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Compliance Status

Not Halal

Screened on Oct 13, 2026 · AAOIFI Standard 21

F

Non-Compliant

0Score

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

Quote this verdict

HalalScreener rates Bill.com Holdings, Inc. (BILL) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 13, 2026. Source: https://halalscreener.app/en/stock/BILL

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%.

42.1% of 30.0% limit
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The verdict above is final and free.

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Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding BILL

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

Bill.com Holdings, Inc.

BILL: Is Bill.com Holdings, Inc. Halal?

Bill.com Holdings, Inc.

NYSETechnologyUS

$45.60

Market Cap: 3.9B

Screened on a market cap of 4.4B

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About Bill.com Holdings, Inc.

Bill.com Holdings, Inc. offers a powerful cloud-based platform designed to streamline, digitize, and automate the core financial operations for small and medium-sized businesses worldwide. Through its software-as-a-service (SaaS) model, the company provides sophisticated cloud payment solutions and spend management tools. These offerings empower businesses to fully automate both accounts payable and accounts receivable processes, foster seamless connections with their suppliers and clients, abolish traditional expense reports, optimize cash flow, and significantly enhance overall office efficiency. Beyond its core products, Bill.com also furnishes comprehensive support services, covering initial implementation assistance, ongoing technical help, and educational training. Its diverse client base encompasses accounting firms, financial service organizations, and various software enterprises. Established in 2006, Bill.com Holdings, Inc. maintains its corporate headquarters in San Jose, California.

Sector: Technology · Industry: Software - Application

Why this does not pass

  • Interest-bearing debt is 42.1% of market cap, over the 30% AAOIFI limit.
  • Interest-bearing deposits are over the 30% limit.
  • Income from prohibited sources is over the 5% 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 Oct 13, 2026

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The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

Compliance History

Not Halal, unchanged since Jun 2026.

No status changes recorded since we began tracking.

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

Fiscal: FY 2026Data source: EDGAR

Halal Alternatives in Technology

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Frequently Asked Questions

Is Bill.com Holdings, Inc. (BILL) halal to invest in?
Bill.com Holdings, Inc. (BILL) 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 Bill.com Holdings, Inc. get a F compliance rating?
Bill.com Holdings, Inc. (BILL) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 42.1% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change Bill.com Holdings, Inc.'s Shariah verdict?
Bill.com 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 Bill.com Holdings, Inc. re-screened for Shariah compliance?
Bill.com Holdings, Inc. (BILL) 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: Oct 13, 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.