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

Upstart Holdings, Inc.'s (UPST) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Upstart Holdings, Inc. pass AAOIFI screening?

Upstart Holdings, Inc. (UPST) 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% (UPST: 58.2%), (3) interest-bearing deposits below 30% (UPST: 20.5%), and (4) prohibited income below 5% (UPST: 19.0%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Upstart Holdings, Inc. stock?

Upstart Holdings, Inc. (UPST) has a non-permissible income ratio of 19.01%. Muslim investors should purify this percentage of any dividends received and capital gains realized from UPST 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 Upstart Holdings, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Upstart Holdings, Inc. (UPST) 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 UPST's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

UPST: Is Upstart Holdings, Inc. Halal?

Upstart Holdings, Inc.

NASDAQFinancial ServicesUS

$33.23

+4.46%

Market Cap: 3.2B

Compliance Status

Not Halal

Screened on Jul 18, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Upstart Holdings, Inc. (UPST) halal? Not Halal. Based on AAOIFI screening, Upstart Holdings, Inc. passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

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%.

58.2% of 30.0% limit

What this means for you

Most scholars advise not holding UPST

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Upstart Holdings, Inc.

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

Sector: Financial Services · Industry: Financial - Credit Services

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 18, 2026

Compliance History

Not Halalnow
since Jun 2026
Halal
until the change above

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

Fiscal: Q1 2026Data source: EDGAR

Halal Alternatives in Financial Services

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

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Sprott Physical Silver Trust

$21.30

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Sprott Physical Gold Trust

$31.75

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ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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Free · No credit card required

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Frequently Asked Questions

Is Upstart Holdings, Inc. (UPST) halal to invest in?

Upstart Holdings, Inc. (UPST) 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 Upstart Holdings, Inc. get a F compliance rating?

Upstart Holdings, Inc. (UPST) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 58.2% (limit 30%); interest-bearing deposits of 20.5% (limit 30%); prohibited income of 19.01% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

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

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

Upstart Holdings, Inc. (UPST) 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 18, 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.