What is OppFi Inc.'s Shariah compliance score?

OppFi Inc. (OPFI) 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 OppFi Inc. pass AAOIFI screening?

OppFi Inc. (OPFI) 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%. OPFI's debt-to-market-cap is 61.2%.

How much purification is needed for OppFi 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 OppFi Inc. (OPFI) using the latest financial data.

Where can I screen OppFi Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for OppFi Inc. (OPFI) 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.

OPFINot HalalF

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Compliance Status

Not Halal

Screened on Oct 14, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

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

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%.

61.2% 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 OPFI

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

OPFI: Is OppFi Inc. Halal?

OppFi Inc.

NYSEFinancial ServicesUS

$5.65

Market Cap: 481.4M

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About OppFi Inc.

OppFi Inc. provides a financial technology platform that enables banks to extend various lending solutions. This platform notably features several distinct financial instruments: the OppLoan, a standard installment loan; SalaryTap, an installment loan secured via payroll deduction; and the OppFi Card, a dedicated credit card. OppFi's headquarters are situated in Chicago, Illinois.

Sector: Financial Services · Industry: Financial - Credit Services

Why this does not pass

Interest-bearing debt is 61.2% of market cap, over the 30% AAOIFI 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 OPFI is rated Not Halal with institutional-grade analysis

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 Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

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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A free account keeps watch on 3 stocks and emails you when a verdict moves. You also get 3 questions for the AI Scholar. No card needed.

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Frequently Asked Questions

Is OppFi Inc. (OPFI) halal to invest in?

OppFi Inc. (OPFI) 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 OppFi Inc. get a F compliance rating?

OppFi Inc. (OPFI) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 61.2% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change OppFi Inc.'s Shariah verdict?

OppFi 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 OppFi Inc. re-screened for Shariah compliance?

OppFi Inc. (OPFI) 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.