What is Two Harbors Investment Corp.'s Shariah compliance score?

Two Harbors Investment Corp.'s (TWO) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Two Harbors Investment Corp. pass AAOIFI screening?

Two Harbors Investment Corp. (TWO) 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% (TWO: 673.2%), (3) interest-bearing deposits below 30% (TWO: 66.3%), and (4) prohibited income below 5% (TWO: 68.0%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Two Harbors Investment Corp. stock?

Two Harbors Investment Corp. (TWO) has a non-permissible income ratio of 68.03%. Muslim investors should purify this percentage of any dividends received and capital gains realized from TWO 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 Two Harbors Investment Corp. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Two Harbors Investment Corp. (TWO) 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 TWO's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

TWO: Is Two Harbors Investment Corp. Halal?

Two Harbors Investment Corp.

NYSEReal EstateUS

$12.07

-2.27%

Market Cap: 1.3B

Compliance Status

Not Halal

Screened on Jul 17, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Two Harbors Investment Corp. (TWO) halal? Not Halal. Based on AAOIFI screening, Two Harbors Investment Corp. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

673.2% of 30.0% limit

What this means for you

Most scholars advise not holding TWO

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Two Harbors Investment Corp.

Two Harbors Investment Corp. (TWO) operates as a Real Estate Investment Trust (REIT) with a strategic focus on the U.S. mortgage market. The firm is actively involved in acquiring, funding, and overseeing a diverse portfolio of financial instruments, primarily residential mortgage-backed securities (RMBS). This portfolio encompasses both agency RMBS – which are often backed by fixed-rate, adjustable-rate, and hybrid adjustable-rate mortgage loans – as well as non-agency securities, mortgage servicing rights (MSRs), and other related financial assets. Being structured as a REIT grants the company specific federal income tax advantages, contingent on distributing a minimum of 90% of its annual taxable earnings to its shareholders. Established in 2009, Two Harbors Investment Corp. maintains its corporate headquarters in Minnetonka, Minnesota.

Sector: Real Estate · Industry: REIT - Mortgage

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 17, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: REIT - Mortgage

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 Real Estate

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

HBNBA+

Hotel101 Global Holdings Corp. Class A Ordinary Shares

$5.85

+2.82%

GMREA+

Global Medical REIT Inc.

$35.74

-1.24%

MLPA+

Maui Land & Pineapple Company, Inc.

$17.21

+3.86%

NNNA+

NNN REIT, Inc.

$49.22

+3.80%

AHRA+

American Healthcare REIT, Inc.

$53.84

-1.43%

More Real Estate Stocks

PLD

Prologis, Inc.

B+

PSA

Public Storage

DLR

Digital Realty Trust, Inc.

Realty Income Corporation

SPG

Simon Property Group, Inc.

WELL

Welltower Inc.

Free · No credit card required

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Frequently Asked Questions

Is Two Harbors Investment Corp. (TWO) halal to invest in?

Two Harbors Investment Corp. (TWO) 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 Two Harbors Investment Corp. get a F compliance rating?

Two Harbors Investment Corp. (TWO) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 673.2% (limit 30%); interest-bearing deposits of 66.3% (limit 30%); prohibited income of 68.03% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Two Harbors Investment Corp.'s Shariah verdict?

Two Harbors Investment Corp.'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 Two Harbors Investment Corp. re-screened for Shariah compliance?

Two Harbors Investment Corp. (TWO) 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 17, 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.