What is Oportun Financial Corporation's Shariah compliance score?

Oportun Financial Corporation (OPRT) 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 Oportun Financial Corporation pass AAOIFI screening?

Oportun Financial Corporation (OPRT) 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%. OPRT's debt-to-market-cap is 650.2%.

How much purification is needed for Oportun Financial Corporation?

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 Oportun Financial Corporation (OPRT) using the latest financial data.

Where can I screen Oportun Financial Corporation for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Oportun Financial Corporation (OPRT) 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.

OPRTNot HalalF

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Compliance Status

Not Halal

Screened on Oct 10, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Oportun Financial Corporation (OPRT) halal? Not Halal. Based on AAOIFI screening, Oportun Financial Corporation passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates Oportun Financial Corporation (OPRT) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 10, 2026. Source: https://halalscreener.app/en/stock/OPRT

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%.

650.2% 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 OPRT

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

OPRT: Is Oportun Financial Corporation Halal?

Oportun Financial Corporation

NASDAQFinancial ServicesUS

$8.92

Market Cap: 409.5M

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About Oportun Financial Corporation

This financial institution specializes in providing a range of monetary services, encompassing personal loans, vehicle financing, and credit card options. Customers can access their offerings through diverse channels, including digital platforms, over the phone, or by visiting their physical retail locations. The company's operations span 24 states across the United States, with its footprint reaching areas such as Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Founded in 2005, its corporate headquarters are located in San Carlos, California.

Sector: Financial Services · Industry: Financial - Credit Services

Why this does not pass

Interest-bearing debt is 650.2% 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 10, 2026

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Institutional-grade Shariah analysis

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See why OPRT is rated Not Halal with institutional-grade analysis

Compliance History

Not Halal, unchanged since Aug 2026.

No status changes recorded since we began tracking.

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

Fiscal: Q2 2026Data source: EDGAR

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

$384.58

SLVA+

iShares Silver Trust

$54.78

PSLVA+

Sprott Physical Silver Trust

$19.89

PHYSA+

Sprott Physical Gold Trust

$31.70

CEFA+

Sprott Physical Gold and Silver Trust

$41.67

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Frequently Asked Questions

Is Oportun Financial Corporation (OPRT) halal to invest in?

Oportun Financial Corporation (OPRT) 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 Oportun Financial Corporation get a F compliance rating?

Oportun Financial Corporation (OPRT) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 650.2% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Oportun Financial Corporation's Shariah verdict?

Oportun Financial Corporation'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 Oportun Financial Corporation re-screened for Shariah compliance?

Oportun Financial Corporation (OPRT) 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 10, 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.