KKR Real Estate Finance Trust Inc.

KREF: Is KKR Real Estate Finance Trust Inc. Halal?

KKR Real Estate Finance Trust Inc.

NYSEReal EstateUS

$7.03

-1.26%

Market Cap: 452.0M

Compliance Status

Not Halal

Screened on Sep 2, 2026 · AAOIFI Standard 21

F

Non-Compliant

0Score

Is KKR Real Estate Finance Trust Inc. (KREF) halal? Not Halal. Based on AAOIFI screening, KKR Real Estate Finance Trust Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates KKR Real Estate Finance Trust Inc. (KREF) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Sep 2, 2026. Source: https://halalscreener.app/en/stock/KREF

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

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

979.8% of 30.0% limit

What this means for you

Most scholars advise not holding KREF

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About KKR Real Estate Finance Trust Inc.

KKR Real Estate Finance Trust Inc. (KREF) operates as a mortgage real estate investment trust (REIT), primarily focused on originating and acquiring first-lien debt secured by commercial properties. Its investment strategy includes a range of commercial real estate credit products, such as both leveraged and unleveraged commercial mortgage loans, as well as commercial mortgage-backed securities (CMBS). As an elected REIT, the company is exempt from federal corporate income tax, provided it distributes a minimum of 90% of its taxable income to its shareholders. KREF was established in 2014 and maintains its corporate headquarters in New York, New York.

Sector: Real Estate · Industry: REIT - Mortgage

Shariah Compliance Status

AAOIFI Standard 21Updated Sep 2, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

  • Prohibited industry: REIT - Mortgage

Compliance History

  1. Not Halalnow

    since Aug 2026

  2. Under Review

    until the change above

  3. Not Halal

    until the change above

  4. Under Review

    until the change above

  5. Not Halal

    until the change above

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

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Real Estate

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

72
7249.KLA+

Skygate Solutions Berhad

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-0.02%

Hotel101 Global Holdings Corp. Class A Ordinary Shares
HBNBA+

Hotel101 Global Holdings Corp. Class A Ordinary Shares

$5.85

+2.82%

Global Medical REIT Inc.
GMREA+

Global Medical REIT Inc.

$35.74

-1.24%

Maui Land & Pineapple Company, Inc.
MLPA+

Maui Land & Pineapple Company, Inc.

$17.34

-3.02%

Chiron Real Estate Inc.
XRNA+

Chiron Real Estate Inc.

$36.58

+0.85%

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Frequently Asked Questions

Is KKR Real Estate Finance Trust Inc. (KREF) halal to invest in?
KKR Real Estate Finance Trust Inc. (KREF) 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 KKR Real Estate Finance Trust Inc. get a F compliance rating?
KKR Real Estate Finance Trust Inc. (KREF) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 979.8% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change KKR Real Estate Finance Trust Inc.'s Shariah verdict?
KKR Real Estate Finance Trust 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 KKR Real Estate Finance Trust Inc. re-screened for Shariah compliance?
KKR Real Estate Finance Trust Inc. (KREF) 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: Sep 2, 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.