Compliance Status
Not Halal
Screened on Oct 17, 2026 · AAOIFI Standard 21
Non-Compliant
Is PennyMac Financial Services, Inc. (PFSI) halal? Not Halal. Based on AAOIFI screening, PennyMac Financial Services, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).
Quote this verdict
HalalScreener rates PennyMac Financial Services, Inc. (PFSI) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 17, 2026. Source: https://halalscreener.app/en/stock/PFSI
Business activity
Involved in prohibited business activities.
Company debt
Over the limitHow much the company borrows, compared to its total value. AAOIFI allows up to 30%.
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.
Screened according to AAOIFI Standard 21
What this means for you
Most scholars advise not holding PFSI
It does not pass AAOIFI Shariah screening.
See halal alternatives from the same sector further down this page
PFSI: Is PennyMac Financial Services, Inc. Halal?
PennyMac Financial Services, Inc.
$60.32
Market Cap: 3.1B
Get an email if PFSI's halal status changes
We re-screen PennyMac Financial Services, Inc. daily. If the verdict moves, you hear about it the same day.
Free. One click sets it up, and you can unsubscribe any time.
About PennyMac Financial Services, Inc.
PennyMac Financial Services, Inc. (PFSI), through its various subsidiaries, is actively engaged in mortgage banking and investment management activities across the United States. The company's operations are structured into three primary divisions: Production, Servicing, and Investment Management. The Production segment focuses on the creation, acquisition, and subsequent sale of loans. Its primary involvement is with first-lien residential mortgage loans, encompassing both conventional products and those insured or guaranteed by the government. The Servicing segment is responsible for the administration of newly originated loans, in addition to managing early buyout transactions and providing servicing for other loan portfolios. This involves a broad range of activities, such as general loan administration, payment collection, and managing defaults. Specific duties include processing loan payments, addressing customer inquiries, meticulously accounting for principal and interest, holding custodial funds for property taxes and insurance premiums, providing guidance to delinquent borrowers, and supervising foreclosure processes and property dispositions. Furthermore, this segment implements loss mitigation strategies, including loan modification and forbearance programs. The Investment Management segment's core functions include identifying potential investment assets, conducting thorough due diligence, submitting bids, and finalizing acquisitions. It also oversees the correspondent production operations for PennyMac Mortgage Investment Trust and manages the acquired asset base. PennyMac Financial Services, Inc. was established in 2008 and maintains its headquarters in Westlake Village, California.
Sector: Financial Services · Industry: Financial - Mortgages
Why this does not pass
- Business activity: the company earns from an activity AAOIFI treats as prohibited.
- Interest-bearing debt is 202.0% 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
See which ratio caused the failure.
See the exact debt ratio, interest income %, and prohibited revenue that caused the failure. Know before you sell or hold.
AI Compliance Insight
PROInstitutional-grade Shariah analysis
See why PFSI is rated Not Halal with institutional-grade analysis
Business Activity Screen
FailedChecks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)
- Prohibited industry: Financial - Mortgages
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.
Halal Alternatives in Financial Services
This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:
More Financial Services Stocks
Know the day PFSI's verdict changes
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.
Frequently Asked Questions
Is PennyMac Financial Services, Inc. (PFSI) halal to invest in?
Why did PennyMac Financial Services, Inc. get a F compliance rating?
What could change PennyMac Financial Services, Inc.'s Shariah verdict?
How often is PennyMac Financial Services, Inc. re-screened for Shariah compliance?
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.