What is Capitol Federal Financial, Inc.'s Shariah compliance score?

Capitol Federal Financial, Inc. (CFFN) has a Shariah compliance score of 0/100 (Grade: F, Non-Compliant). AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

Does Capitol Federal Financial, Inc. pass AAOIFI screening?

Capitol Federal Financial, Inc. (CFFN) does not pass AAOIFI Shariah screening. AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. CFFN's debt-to-market-cap is 162.3%.

How much purification is needed for Capitol Federal Financial, Inc.?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the percentage and amount for Capitol Federal Financial, Inc. (CFFN) using the latest financial data.

Where can I screen Capitol Federal Financial, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Capitol Federal Financial, Inc. (CFFN) and 8,200+ securities. US-listed stocks and ETFs are screened under AAOIFI Standard No. 21. Bursa Malaysia securities carry the Securities Commission Malaysia's official status. Coins are screened separately, under published scholarly opinion. The verdict is free, with no credit card or signup required for basic screening. The compliance grade, score, and debt ratio are free too; the full ratio breakdown is part of Pro.

CFFNNot HalalF

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Compliance Status

Not Halal

Screened on Oct 19, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Capitol Federal Financial, Inc. (CFFN) halal? Not Halal. Based on AAOIFI screening, Capitol Federal Financial, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates Capitol Federal Financial, Inc. (CFFN) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 19, 2026. Source: https://halalscreener.app/en/stock/CFFN

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

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

162.3% of 30.0% limit

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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

What this means for you

Most scholars advise not holding CFFN

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

CFFN: Is Capitol Federal Financial, Inc. Halal?

Capitol Federal Financial, Inc.

NASDAQFinancial ServicesUS

$8.17

-0.79%

Market Cap: 1.0B

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About Capitol Federal Financial, Inc.

Capitol Federal Financial, Inc. acts as the parent company for Capitol Federal Savings Bank, offering a comprehensive suite of retail banking services. The bank provides diverse deposit products, including savings, money market, interest-bearing and standard checking accounts, as well as certificates of deposit. Its lending portfolio is equally broad, featuring mortgages for one-to-four-family residences, commercial real estate, commercial and industrial, and construction loans. Additionally, consumer credit options are available, such as home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. Beyond these, the institution delivers modern banking conveniences through mobile, telephone, and online platforms, alongside bill payment services, and operates a customer call center. It also engages in strategic securities investments. The bank's physical presence includes 54 branches—45 traditional and 9 in-store locations—spanning nine counties in Kansas and two in Missouri. Key service areas encompass the metropolitan regions of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina in Kansas, plus a segment of the broader Kansas City metropolitan area. Capitol Federal Financial, Inc., founded in 1893, is headquartered in Topeka, Kansas.

Sector: Financial Services · Industry: Banks - Regional

Why this does not pass

Business activity: the company earns from an activity AAOIFI treats as prohibited.
Interest-bearing debt is 162.3% of market cap, over the 30% AAOIFI 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 19, 2026

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Business Activity Screen

Failed

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

Prohibited industry: Banks - Regional

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.

Fiscal: FY 2025Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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$51.51

PSLVA+

Sprott Physical Silver Trust

$18.48

PHYSA+

Sprott Physical Gold Trust

$31.50

CEFA+

Sprott Physical Gold and Silver Trust

$40.45

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Frequently Asked Questions

Is Capitol Federal Financial, Inc. (CFFN) halal to invest in?

Capitol Federal Financial, Inc. (CFFN) 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 Capitol Federal Financial, Inc. get a F compliance rating?

Capitol Federal Financial, Inc. (CFFN) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 162.3% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Capitol Federal Financial, Inc.'s Shariah verdict?

Capitol Federal Financial, 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 Capitol Federal Financial, Inc. re-screened for Shariah compliance?

Capitol Federal Financial, Inc. (CFFN) 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 19, 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.