What is UnitedHealth Group Incorporated's Shariah compliance score?

UnitedHealth Group Incorporated (UNH) has a Shariah compliance score of 74/100 (Grade: B+, Good) based on AAOIFI screening standards. Scores above 70 typically indicate strong compliance. The score factors in business activity screening and financial ratio analysis including debt levels, interest-bearing deposits, and prohibited income percentages. View the full breakdown at HalalScreener.app.

Does UnitedHealth Group Incorporated pass AAOIFI screening?

UnitedHealth Group Incorporated (UNH) passes 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% (UNH: 18.7%), (3) interest-bearing deposits below 30% (UNH: 7.3%), and (4) prohibited income below 5% (UNH: 0.9%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for UnitedHealth Group Incorporated stock?

UnitedHealth Group Incorporated (UNH) has a non-permissible income ratio of 0.94%. Muslim investors should purify this percentage of any dividends received and capital gains realized from UNH 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 UnitedHealth Group Incorporated for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for UnitedHealth Group Incorporated (UNH) 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 UNH's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

UNH: Is UnitedHealth Group Incorporated Halal?

UnitedHealth Group Incorporated

NYSEHealthcareUS

$426.09

-0.91%

Market Cap: 387.0B

Compliance Status

Halal

Screened on Jul 15, 2026 · AAOIFI Standard 21

B+

Good

74Score

Is UnitedHealth Group Incorporated (UNH) halal? Halal. Based on AAOIFI screening, UnitedHealth Group Incorporated passes both qualitative (business activity) and quantitative (financial ratio) screens with a compliance score of 74/100 (Grade: B+).

AvoidBorderlineClean

Business activity

What the company sells is permissible.

Passed

Company debt

Within the limit

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

18.7% of 30.0% limit

What this means for you

You can own UNH

It passes both the business activity and financial ratio screens under AAOIFI Standard 21.

Purify 0.9% of your income from UNH

That is about $0.90 of every $100 you earn from it. Donate this share to charity.

Calculate my exact amount

About UnitedHealth Group Incorporated

UnitedHealth Group Incorporated (UNH) operates as a comprehensive healthcare enterprise across the United States, structuring its diverse services into four key divisions: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment provides a wide array of health benefit plans and consumer-focused services. These offerings cater to a broad spectrum of clients, including large national corporations, public sector employers, mid-sized and small businesses, and individual consumers. It also delivers specialized health coverage and wellness programs tailored for individuals aged 50 and older, addressing their needs for preventive and acute care, chronic disease management, and other age-specific health issues. This division further encompasses Medicaid plans, children's health insurance, dental benefits, and various hospital and clinical services. Optum Health focuses on delivering direct healthcare solutions and management services. It facilitates access to networks of specialist care providers, offers health management programs, direct care delivery, consumer engagement initiatives, and financial services. Its diverse clientele includes individuals (served directly through care systems), employers, insurance payers, and government organizations. Optum Insight specializes in providing technology, information, and consulting services to the healthcare industry. Its offerings include software and data products, advisory consulting arrangements, and outsourced managed services. Clients span hospital systems, physicians, health plans, governmental bodies, life sciences companies, and other relevant organizations. Finally, Optum Rx handles the company's pharmaceutical care services. This segment manages retail pharmacy networks, provides home prescription delivery, and offers specialty and compounding pharmacy capabilities. Leveraging its purchasing power and clinical expertise, Optum Rx also develops advanced programs related to step therapy, formulary management, medication adherence, and integrated disease and drug therapy management. UnitedHealth Group Incorporated, founded in 1977, has its corporate headquarters located in Minnetonka, Minnesota.

Sector: Healthcare · Industry: Medical - Healthcare Plans

Read Full Analysis

Is UnitedHealth (UNH) Stock Halal? Shariah Compliance Analysis

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 15, 2026

Compliance History

Halal, unchanged since Jun 2026.

No status changes recorded since we began tracking.

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

Fiscal: Q1 2026Data source: EDGAR

More Healthcare Stocks

JNJ

Johnson & Johnson

ABBV

AbbVie Inc.

PFE

Pfizer Inc.

LLY

Eli Lilly and Company

A+

MRK

Merck & Co., Inc.

B+

TMO

Thermo Fisher Scientific Inc.

B+

Free · No credit card required

Track UNH and 10,000+ stocks with AI insights

Create your free account to unlock AI-powered compliance analysis, track your portfolio, calculate purification, and get unlimited AAOIFI screening.

Get Started Free Browse Screener

10,000+ assets AAOIFI standards Free watchlist

Frequently Asked Questions

Is UnitedHealth Group Incorporated (UNH) halal to invest in?

Based on AAOIFI Standard 21 screening, UnitedHealth Group Incorporated (UNH) is rated Halal with a compliance grade of B+ (Good). It passes both the business activity screen (no primary involvement in prohibited sectors) and the quantitative financial ratio screen (debt, interest deposits, and prohibited income all below AAOIFI thresholds).

Why did UnitedHealth Group Incorporated get a B+ compliance rating?

UnitedHealth Group Incorporated (UNH) received a grade of B+ (Good) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 18.7% (limit 30%); interest-bearing deposits of 7.3% (limit 30%); prohibited income of 0.94% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change UnitedHealth Group Incorporated's Shariah verdict?

UnitedHealth Group Incorporated'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 UnitedHealth Group Incorporated re-screened for Shariah compliance?

UnitedHealth Group Incorporated (UNH) 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 15, 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.