Stock analysis2026-05-235 min read

Is Apple halal in 2026? AAOIFI screen + live API verdict

Is Apple halal? The AAOIFI screen, the financial ratios, and the live verdict from the Akinda API for AAPL.

Current verdict: Halal

Apple's primary business is consumer electronics and digital services. Apple Card interest income is the only non-compliant line and sits well under 5% of total revenue in 2026 — Apple passes the AAOIFI screen on all three financial ratios.

Company snapshot

Apple Inc. trades under the ticker AAPL and operates in the Consumer electronics / services sector. The Akinda API runs every ticker through the same three-phase screen — business activity, financial ratios, and a final verdict — so the verdict above traces back to the numbers below.

Phase 1: Business activity screen

First we check what Apple Inc. actually does. The AAOIFI rule for mixed-business companies says non-compliant revenue must stay below 5% of total revenue, with no exposure to outright-prohibited sectors (alcohol, conventional banking and insurance, gambling, tobacco, pork, weapons, adult content).

iPhone, Mac, iPad, Wearables — hardware sales. Permissible.
Services — App Store, iCloud, Apple Music, advertising. Permissible.
Apple Card interest — the only non-compliant revenue line; under 5% of total.

Non-compliant revenue percentage on /full-report/AAPL: 0.00%. Field name on the wire: non_compliant_revenue_perc.

Phase 2: Financial ratio screen

After the business activity screen clears, the strict AAOIFI grid we apply requires two financial ratios — debt and liquidity / interest-bearing cash position — each below 30% of the company's average 12-quarter market capitalization. Numbers below are the most recent values returned by /full-report/AAPL.

Debt ratio (< 30%)

2.99%

debt_ratio_perc

Liquidity (< 30%)

1.66%

liquidity_ratio_perc

Notes for investors

Apple has historically run with non-compliant revenue close to zero because Apple Card interest is recognised by Goldman Sachs, not Apple itself. Should that change, thenon_compliant_revenue_perc field on/full-report would reflect it in the next scan cycle.

Verify it yourself via the Akinda API

Fire a live /full-report/<ticker> call from the playground using your own API key — see the compliance ratios, AAOIFI screen verdict, and source-breakdown fields the methodology produces.

Open playground →Read the methodology