What is UnitedHealth Group Incorporated's Shariah compliance score?

UnitedHealth Group Incorporated's (UNH) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does UnitedHealth Group Incorporated pass AAOIFI screening?

UnitedHealth Group Incorporated (UNH) 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% (UNH: 19.3%), (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. HalalScreener provides free AAOIFI screening for 6,200+ stocks at halalscreener.app.

How much purification is needed for UnitedHealth Group Incorporated stock?

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 exact percentage and amount for UnitedHealth Group Incorporated (UNH) 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 5,100+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows the verdict, compliance grade, score, and debt ratio free. No credit card or signup required for basic screening; the full ratio breakdown is part of Pro. 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

$399.66

-2.13%

Market Cap: 362.9B

Compliance Status

Not Halal

Screened on Aug 27, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is UnitedHealth Group Incorporated (UNH) halal? Not Halal. Based on AAOIFI screening, UnitedHealth Group Incorporated has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates UnitedHealth Group Incorporated (UNH) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Aug 27, 2026. Source: https://halalscreener.app/en/stock/UNH

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Within the limit

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

19.3% of 30.0% limit

What this means for you

Most scholars advise not holding UNH

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

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 Aug 27, 2026

Business Activity Screen

Failed

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

Prohibited industry: Medical - Healthcare Plans

Compliance History

Not Halalnow
since Aug 2026
Halal
until the change above

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

Fiscal: Q2 2026Data source: EDGAR

Halal Alternatives in Healthcare

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

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Free · No credit card required

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Frequently Asked Questions

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

UnitedHealth Group Incorporated (UNH) 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 UnitedHealth Group Incorporated get a F compliance rating?

UnitedHealth Group Incorporated (UNH) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 19.3% (limit 30%). 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: Aug 27, 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.