What is Qfin Holdings, Inc.'s Shariah compliance score?

Qfin Holdings, Inc. (QFIN) 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 Qfin Holdings, Inc. pass AAOIFI screening?

Qfin Holdings, Inc. (QFIN) 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%. QFIN's debt-to-market-cap is 57.1%.

How much purification is needed for Qfin Holdings, 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 Qfin Holdings, Inc. (QFIN) using the latest financial data.

Where can I screen Qfin Holdings, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Qfin Holdings, Inc. (QFIN) 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.

QFINNot HalalF

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Compliance Status

Not Halal

Screened on Oct 13, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Qfin Holdings, Inc. (QFIN) halal? Not Halal. Based on AAOIFI screening, Qfin Holdings, 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 Qfin Holdings, Inc. (QFIN) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 13, 2026. Source: https://halalscreener.app/en/stock/QFIN

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%.

57.1% 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 QFIN

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

QFIN: Is Qfin Holdings, Inc. Halal?

Qfin Holdings, Inc.

NASDAQFinancial ServicesCN

$5.67

Market Cap: 738.1M

Screened on a market cap of 5.2B

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About Qfin Holdings, Inc.

Qifu Technology, Inc. (QFIN), known as 360 DigiTech, Inc. until its rebranding in March 2023, is a credit technology firm based in the People's Republic of China. Through its 360 Jietiao platform, the company facilitates credit-driven services by connecting borrowers with financial institutions. Its comprehensive offerings cover the entire lending lifecycle, including identifying and acquiring customers, performing initial and advanced credit screenings, conducting sophisticated risk assessments, evaluating creditworthiness, matching funds, and providing ongoing post-facilitation support. Additionally, Qifu Technology furnishes its financial partners with platform services, utilizing an intelligent credit engine, referral systems, and risk management software-as-a-service (SaaS) to streamline loan origination and subsequent management. The company specializes in various loan types, such as e-commerce, enterprise, and invoice loans, catering particularly to the needs of small and micro-enterprise owners. Serving a broad clientele that includes financial institutions, individual consumers, and SMEs, Qifu Technology was founded in 2016 and maintains its headquarters in Shanghai, China.

Sector: Financial Services · Industry: Financial - Credit Services

Why this does not pass

Interest-bearing debt is 57.1% 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 13, 2026

See which ratio caused the failure.

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AI Compliance Insight

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Institutional-grade Shariah analysis

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See why QFIN 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 Halalnow
since Sep 2026
Under Review
until the change above
Not Halal
until the change above
Under Review
until the change above
Not Halal
until the change above

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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Frequently Asked Questions

Is Qfin Holdings, Inc. (QFIN) halal to invest in?

Qfin Holdings, Inc. (QFIN) 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 Qfin Holdings, Inc. get a F compliance rating?

Qfin Holdings, Inc. (QFIN) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 57.1% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Qfin Holdings, Inc.'s Shariah verdict?

Qfin Holdings, 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 Qfin Holdings, Inc. re-screened for Shariah compliance?

Qfin Holdings, Inc. (QFIN) 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 13, 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.