Does J and Friends Holdings Limited Sponsored ADR Class A pass AAOIFI screening?

J and Friends Holdings Limited Sponsored ADR Class A (JF) passes AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (JF: 16.5%), (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. HalalScreener provides free AAOIFI screening for 6,200+ stocks at halalscreener.app.

How much purification is needed for J and Friends Holdings Limited Sponsored ADR Class A stock?

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 exact percentage and amount for J and Friends Holdings Limited Sponsored ADR Class A (JF) using the latest financial data.

Where can I screen J and Friends Holdings Limited Sponsored ADR Class A for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for J and Friends Holdings Limited Sponsored ADR Class A (JF) and 5,100+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows the verdict, compliance grade, score, and debt ratio free. No credit card or signup required for basic screening; the full ratio breakdown is part of Pro. HalalScreener also includes an AI Islamic Scholar for follow-up questions about JF's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

JF: Is J and Friends Holdings Limited Sponsored ADR Class A Halal?

J and Friends Holdings Limited Sponsored ADR Class A

NASDAQFinancial ServicesHK

$0.98

+5.36%

Market Cap: 404.2K

Compliance Status

Halal

Screened on Aug 26, 2026 · AAOIFI Standard 21

Very Good

80Score

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 80/100 (Grade: A).

AvoidBorderlineClean

Business activity

What the company sells is permissible.

Passed

Company debt

Within the limit

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

16.5% of 30.0% limit

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.

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

AAOIFI Standard 21Updated Aug 26, 2026

Compliance History

Halal, unchanged since Aug 2026.

No status changes recorded since we began tracking.

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

Fiscal: FY 2025Data source: FMP

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Frequently Asked Questions

Is J and Friends Holdings Limited Sponsored ADR Class A (JF) halal to invest in?

Based on AAOIFI Standard 21 screening, J and Friends Holdings Limited Sponsored ADR Class A (JF) is rated Halal with a compliance grade of A (Very Good). It passes both the business activity screen (no primary involvement in prohibited sectors) and the quantitative financial ratio screen (debt, interest deposits, and prohibited income all below AAOIFI thresholds).

Why did J and Friends Holdings Limited Sponsored ADR Class A get a A compliance rating?

J and Friends Holdings Limited Sponsored ADR Class A (JF) received a grade of A (Very Good) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 16.5% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change J and Friends Holdings Limited Sponsored ADR Class A's Shariah verdict?

J and Friends Holdings Limited Sponsored ADR Class A'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 J and Friends Holdings Limited Sponsored ADR Class A re-screened for Shariah compliance?

J and Friends Holdings Limited Sponsored ADR Class A (JF) 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: Aug 26, 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.