Compliance Status
Halal
Screened on Oct 10, 2026 · AAOIFI Standard 21
Acceptable
Is J and Friends Holdings Limited Sponsored ADR Class A (JF) halal? Halal. Based on AAOIFI screening, J and Friends Holdings Limited Sponsored ADR Class A passes both qualitative (business activity) and quantitative (financial ratio) screens with a compliance score of 62/100 (Grade: B).
Quote this verdict
HalalScreener rates J and Friends Holdings Limited Sponsored ADR Class A (JF) Halal, 62/100, grade B under AAOIFI Standard 21, screened Oct 10, 2026. Source: https://halalscreener.app/en/stock/JF
Business activity
What the company sells is permissible.
Company debt
Within the limitHow much the company borrows, compared to its total value. AAOIFI allows up to 30%.
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.
Screened according to AAOIFI Standard 21
What this means for you
You can own JF
It passes both the business activity and financial ratio screens under AAOIFI Standard 21.
Purification amount is Pro
We have screened JF's prohibited income, but the exact share you would need to purify is part of Pro.
JF: Is J and Friends Holdings Limited Sponsored ADR Class A Halal?
J and Friends Holdings Limited Sponsored ADR Class A
$1.02
Market Cap: 419.4K
Screened on a market cap of 92.4M
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About J and Friends Holdings Limited Sponsored ADR Class A
J and Friends Holdings Limited, through its subsidiaries, provides cutting-edge financial and digital services, powered by technology, to the ecosystem of micro, small, and medium-sized enterprises (MSMEs and SMEs) across the People's Republic of China and internationally. The company operates an open platform that links business and financial partners, enabling them to offer financial solutions directly to end-users. Among its core offerings are point-of-sale financing solutions, branded as Dumiao, which business partners can integrate into their own platforms or utilize via the company's proprietary system, as well as business installment loan solutions. Additionally, J and Friends offers a suite of wealth management services. This includes a fund distribution solution, allowing partners to present and distribute mutual fund products to their customers, either under the Hongdian brand or as a white-label offering. It also features a robo-advisory solution, known as Polaris, designed to empower financial and business partners to deliver automated investment advice to their clients. The company's diverse portfolio further comprises international installment loan solutions and Myfin, an insurance platform that enables partners to offer and distribute various insurance products. To enhance partner capabilities, J and Friends provides value-added tools for deploying solutions, monitoring and evaluating performance, and scaling operations. It also furnishes digital marketing tools for precise user targeting, executing intelligent marketing campaigns, and boosting efficiency and effectiveness. Complementing these are real-time monitoring tools, offering a comprehensive and visual interface for performance oversight. Founded in 2012 and headquartered in Beijing, People's Republic of China, the company was formerly known as Pintec Technology Holdings Limited before officially changing its name to J and Friends Holdings Limited in January 2026.
Sector: Financial Services · Industry: Financial - Credit Services
Shariah Compliance Status
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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.
Screened according to AAOIFI Standard 21
Compliance History
Halalnow
since Sep 2026
Under Review
until the change above
Halal
until the change above
Tracked since Aug 2026. Updates automatically on each re-screen.
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Frequently Asked Questions
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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.