What is Jiayin Group Inc.'s Shariah compliance score?

Jiayin Group Inc. (JFIN) 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 Jiayin Group Inc. pass AAOIFI screening?

Jiayin Group Inc. (JFIN) 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%. JFIN's debt-to-market-cap is 146.6%.

How much purification is needed for Jiayin Group 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 Jiayin Group Inc. (JFIN) using the latest financial data.

Where can I screen Jiayin Group Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Jiayin Group Inc. (JFIN) 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.

JFINNot HalalF

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Compliance Status

Not Halal

Screened on Oct 14, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Jiayin Group Inc. (JFIN) halal? Not Halal. Based on AAOIFI screening, Jiayin Group 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 Jiayin Group Inc. (JFIN) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 14, 2026. Source: https://halalscreener.app/en/stock/JFIN

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%.

146.6% 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 JFIN

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

JFIN: Is Jiayin Group Inc. Halal?

Jiayin Group Inc.

NASDAQFinancial ServicesCN

$1.28

Market Cap: 67.0M

Screened on a market cap of 434.3M

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About Jiayin Group Inc.

Jiayin Group Inc. is a Chinese financial technology company specializing in online consumer lending within the People's Republic of China. It operates a sophisticated fintech platform designed to facilitate secure, transparent, and swift connections between individual borrowers and institutional funding partners. Beyond its core lending facilitation, the company also offers referral services for various investment products provided by financial service entities. Additionally, it extends its expertise to software development, robust risk management, marketing support, and comprehensive IT assistance. Established in 2011, Jiayin Group Inc. maintains its headquarters in Shanghai, the People's Republic of China.

Sector: Financial Services · Industry: Financial - Credit Services

Why this does not pass

Interest-bearing debt is 146.6% 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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Institutional-grade Shariah analysis

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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

Compliance History

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

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

Fiscal: Q2 2026Data 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+

SPDR Gold Shares

$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 Jiayin Group Inc. (JFIN) halal to invest in?

Jiayin Group Inc. (JFIN) 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 Jiayin Group Inc. get a F compliance rating?

Jiayin Group Inc. (JFIN) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 146.6% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Jiayin Group Inc.'s Shariah verdict?

Jiayin Group 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 Jiayin Group Inc. re-screened for Shariah compliance?

Jiayin Group Inc. (JFIN) 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.