What is OppFi Inc.'s Shariah compliance score?

OppFi Inc.'s (OPFI) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does OppFi Inc. pass AAOIFI screening?

OppFi Inc. (OPFI) does not pass 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% (OPFI: 41.5%), (3) interest-bearing deposits below 30% (OPFI: 6.2%), and (4) prohibited income below 5% (OPFI: 100.0%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for OppFi Inc. stock?

OppFi Inc. (OPFI) has a non-permissible income ratio of 100.00%. Muslim investors should purify this percentage of any dividends received and capital gains realized from OPFI shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation 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 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about OPFI's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

OPFI: Is OppFi Inc. Halal?

OppFi Inc.

NYSETechnologyUS

$9.96

-0.50%

Market Cap: 850.5M

Compliance Status

Not Halal

Screened on Jul 18, 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).

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%.

41.5% of 30.0% limit

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

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: Technology · Industry: Software - Application

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 18, 2026

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: FY 2025Data source: FMP

Halal Alternatives in Technology

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

UIA+

Ubiquiti Inc.

$608.16

+0.85%

0005.KLA+

UCrest Bhd

$0.07

+0.08%

0008.KLA+

Willowglen MSC Bhd

$0.29

+0.00%

0010.KLA+

IRIS Corporation Bhd

$0.22

-0.04%

0023.KLA+

IFCA MSC Bhd

$0.21

+0.00%

More Technology Stocks

MSFT

Microsoft Corporation

A+

GOOGL

Alphabet Inc.

A+

AAPL

Apple Inc.

A+

NVDA

NVIDIA Corporation

A+

CRM

Salesforce, Inc.

B+

ADBE

Adobe Inc.

Free · No credit card required

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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 41.5% (limit 30%); interest-bearing deposits of 6.2% (limit 30%); prohibited income of 100.00% (limit 5%). 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: Jul 18, 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.