What is Fathom Holdings Inc.'s Shariah compliance score?

Fathom Holdings Inc. (FTHM) 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 Fathom Holdings Inc. pass AAOIFI screening?

Fathom Holdings Inc. (FTHM) 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%. FTHM's debt-to-market-cap is 112.3%.

How much purification is needed for Fathom Holdings 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 Fathom Holdings Inc. (FTHM) using the latest financial data.

Where can I screen Fathom Holdings Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Fathom Holdings Inc. (FTHM) 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.

FTHMNot HalalF

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Compliance Status

Not Halal

Screened on Oct 8, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Fathom Holdings Inc. (FTHM) halal? Not Halal. Based on AAOIFI screening, Fathom 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 Fathom Holdings Inc. (FTHM) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 8, 2026. Source: https://halalscreener.app/en/stock/FTHM

AvoidBorderlineClean

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%.

112.3% of 30.0% limit

PRO DETAIL

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 FTHM

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

FTHM: Is Fathom Holdings Inc. Halal?

Fathom Holdings Inc.

NASDAQReal EstateUS

$0.21

Market Cap: 7.1M

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About Fathom Holdings Inc.

Fathom Holdings Inc., established in 2010 and based in Cary, North Carolina, delivers cloud-powered real estate brokerage services across the Southern, Atlantic, Southwestern, and Western regions of the United States. The company operates through three core divisions: Real Estate Brokerage, which manages property transactions; Mortgage, focused on originating and underwriting residential loans; and Technology, providing Software-as-a-Service (SaaS) and data mining capabilities to external customers, while also developing its intelliAgent platform for internal real estate agents. Fathom offers an integrated real estate services platform, seamlessly combining residential brokerage, mortgage, title, and insurance offerings, all underpinned by its proprietary intelliAgent software. Its FathomRealty.com website serves as a central hub, connecting buyers, sellers, landlords, and tenants with a diverse range of properties available for purchase or rent. The robust intelliAgent technology platform provides a comprehensive toolkit for brokerages and agents, encompassing advanced technology solutions, efficient business processes, data analytics, reporting, training modules, customer relationship management (CRM) features, extensive social media and general marketing tools, a marketing resource library, and a marketplace for add-on services and third-party technologies. The company’s brand ecosystem comprises Fathom Realty, Dagley Insurance, Encompass Lending, intelliAgent, LiveBy, Real Results, Verus Title, and Cornerstone.

Sector: Real Estate · Industry: Real Estate - Services

Why this does not pass

Interest-bearing debt is 112.3% 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 Oct 8, 2026

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Screened according to AAOIFI Standard 21

Compliance History

Not Halalnow
since Sep 2026
Doubtful
until the change above
Halal
until the change above

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

Fiscal: Q2 2026Data source: EDGAR

Halal Alternatives in Real Estate

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

5106.KLA+

Axis Real Estate Investment Trust

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Al-'Aqar Healthcare REIT

$1.17

+0.02%

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Al-Salam Real Estate Investment Trust

$0.59

+0.01%

5307.KLA+

AME Real Estate Investment Trust

$1.62

+0.07%

7249.KLA+

Skygate Solutions Berhad

$0.87

+0.02%

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Frequently Asked Questions

Is Fathom Holdings Inc. (FTHM) halal to invest in?

Fathom Holdings Inc. (FTHM) 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 Fathom Holdings Inc. get a F compliance rating?

Fathom Holdings Inc. (FTHM) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 112.3% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Fathom Holdings Inc.'s Shariah verdict?

Fathom 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 Fathom Holdings Inc. re-screened for Shariah compliance?

Fathom Holdings Inc. (FTHM) 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 8, 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.