What is High Templar Tech Limited's Shariah compliance score?

High Templar Tech Limited (HTT) 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 High Templar Tech Limited pass AAOIFI screening?

High Templar Tech Limited (HTT) 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%. HTT's debt-to-market-cap is 44.8%.

How much purification is needed for High Templar Tech Limited?

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 High Templar Tech Limited (HTT) using the latest financial data.

Where can I screen High Templar Tech Limited for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for High Templar Tech Limited (HTT) 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.

HTTNot HalalF

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Compliance Status

Not Halal

Screened on Oct 14, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is High Templar Tech Limited (HTT) halal? Not Halal. Based on AAOIFI screening, High Templar Tech Limited passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates High Templar Tech Limited (HTT) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 14, 2026. Source: https://halalscreener.app/en/stock/HTT

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%.

44.8% 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 HTT

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

HTT: Is High Templar Tech Limited Halal?

High Templar Tech Limited

NYSEFinancial ServicesCN

$2.08

Market Cap: 323.0M

Screened on a market cap of 3.5B

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About High Templar Tech Limited

Qudian Inc. functions as a technology enterprise primarily serving individual consumers across the People's Republic of China. The company's principal activities encompass the provision of micro-credit and short-term cash advances, alongside financial leasing and credit guarantee solutions. Additionally, Qudian offers technology development and support services. In a more recent diversification, the firm also supplies ready-to-cook meal kits, catering specifically to the needs of the working-class demographic. Founded in 2014, its corporate headquarters are situated in Xiamen, China.

Sector: Financial Services · Industry: Financial - Credit Services

Why this does not pass

Interest-bearing debt is 44.8% 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 14, 2026

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AI Compliance Insight

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Institutional-grade Shariah analysis

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See why HTT is rated Not Halal with institutional-grade analysis

Compliance History

Not Halalnow
since Aug 2026
Under Review
until the change above
Not Halal
until the change above

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

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

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

GLDA+

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$382.01

SLVA+

iShares Silver Trust

$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 High Templar Tech Limited (HTT) halal to invest in?

High Templar Tech Limited (HTT) 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 High Templar Tech Limited get a F compliance rating?

High Templar Tech Limited (HTT) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 44.8% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change High Templar Tech Limited's Shariah verdict?

High Templar Tech Limited'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 High Templar Tech Limited re-screened for Shariah compliance?

High Templar Tech Limited (HTT) 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 14, 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.