What is Vroom, Inc.'s Shariah compliance score?

Vroom, Inc. (VRM) 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 Vroom, Inc. pass AAOIFI screening?

Vroom, Inc. (VRM) 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%. VRM's debt-to-market-cap is 1647.3%.

How much purification is needed for Vroom, 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 Vroom, Inc. (VRM) using the latest financial data.

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

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Vroom, Inc. (VRM) 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.

VRMNot HalalF

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Compliance Status

Not Halal

Screened on Oct 9, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Vroom, Inc. (VRM) halal? Not Halal. Based on AAOIFI screening, Vroom, 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 Vroom, Inc. (VRM) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 9, 2026. Source: https://halalscreener.app/en/stock/VRM

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%.

1647.3% 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 VRM

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

VRM: Is Vroom, Inc. Halal?

Vroom, Inc.

NASDAQFinancial ServicesUS

$9.31

Market Cap: 48.7M

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About Vroom, Inc.

Vroom, Inc. operates as an online automotive retail platform, focusing on the sale of pre-owned vehicles throughout the United States. The company offers a comprehensive digital ecosystem that manages all aspects of the car ownership journey, from acquiring and refurbishing vehicles to setting prices, arranging financing, handling registration, and finally delivering them to customers. Initially incorporated in 2012, the firm was formerly known as Auto America, Inc. before rebranding to Vroom, Inc. in July 2015. Its primary operations are based in New York, New York.

Sector: Financial Services · Industry: Financial - Credit Services

Why this does not pass

Interest-bearing debt is 1647.3% 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 9, 2026

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AI Compliance Insight

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Institutional-grade Shariah analysis

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See why VRM is rated Not Halal with institutional-grade analysis

Compliance History

Not Halal, unchanged since Aug 2026.

No status changes recorded since we began tracking.

Tracked since Aug 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

$384.58

SLVA+

iShares Silver Trust

$54.78

PSLVA+

Sprott Physical Silver Trust

$19.89

PHYSA+

Sprott Physical Gold Trust

$31.70

CEFA+

Sprott Physical Gold and Silver Trust

$41.67

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Frequently Asked Questions

Is Vroom, Inc. (VRM) halal to invest in?

Vroom, Inc. (VRM) 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 Vroom, Inc. get a F compliance rating?

Vroom, Inc. (VRM) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 1647.3% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Vroom, Inc.'s Shariah verdict?

Vroom, 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 Vroom, Inc. re-screened for Shariah compliance?

Vroom, Inc. (VRM) 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 9, 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.