Compliance Status
Doubtful
Screened on Oct 18, 2026 · AAOIFI Standard 21
Fair
Is PayPal Holdings, Inc. (PYPL) halal? Doubtful. Based on AAOIFI screening, PayPal Holdings, Inc. passes the business activity screen but has financial ratios approaching AAOIFI limits with a compliance score of 58/100 (Grade: C+).
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HalalScreener rates PayPal Holdings, Inc. (PYPL) Doubtful, 58/100, grade C+ under AAOIFI Standard 21, screened Oct 18, 2026. Source: https://halalscreener.app/en/stock/PYPL
Business activity
What the company sells is permissible.
Company debt
Within 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
You may own PYPL, with caution
Its numbers sit close to AAOIFI limits. Cautious investors may prefer alternatives or ask a scholar first.
Purification amount is Pro
We have screened PYPL's prohibited income, but the exact share you would need to purify is part of Pro.
PYPL: Is PayPal Holdings, Inc. Halal?
PayPal Holdings, Inc.
$56.70
-0.80%
Market Cap: 48.5B
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About PayPal Holdings, Inc.
PayPal Holdings, Inc. provides a worldwide technological framework that facilitates digital financial transactions for both businesses and individual users. The company offers a wide array of payment services through well-known brands such as PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy. Through its extensive platform, consumers are able to send and receive funds across roughly 200 global markets and in approximately 100 different currencies. Additionally, users can transfer money to their bank accounts in 56 currencies and maintain account balances in 25 distinct currencies within their PayPal accounts. Founded in 1998, the company's corporate headquarters are situated in San Jose, California.
Sector: Financial Services · Industry: Financial - Credit Services
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Is PayPal (PYPL) Stock Halal? Shariah Compliance Analysis
Why This Stock Is Doubtful
- Business activity: the company's own filing confirms revenue from an activity AAOIFI treats as prohibited but does not disclose its share, so it cannot be shown to be under the 5% limit.
Stocks are marked Doubtful when financial ratios pass but approach AAOIFI thresholds. Consider consulting a qualified scholar for a definitive ruling.
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 PYPL is rated Doubtful with institutional-grade analysis
Business Activity Screen
Share not disclosedChecks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)
The company's own filing names this revenue but does not say how large it is, so it cannot be shown to be under the AAOIFI 5% limit. The verdict stays Doubtful until the company discloses a figure. The percentage shown is an estimate for purification only.
- •Interest and fees on consumer and merchant loans, inside a revenue line that also holds hedging results and interest on customer balances; the lending share is not disclosed
Use the Purification Calculator to compute exactly how much of your dividend income to donate.
Source: the company's Form 10-K for the fiscal year ended 2025-12-31, which names this revenue without a figure. View its filings on SEC EDGAR
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
Compliance History
Doubtfulnow
since Sep 2026
Halal
until the change above
Doubtful
until the change above
Not Halal
until the change above
Doubtful
until the change above
Tracked since Jun 2026. Updates automatically on each re-screen.
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Frequently Asked Questions
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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.