Is Chime Financial, Inc. CHYM stock Halal to invest in?

No, as of September 2026, Chime Financial, Inc. stock (CHYM) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening Halal stocks. To qualify as Halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. Chime Financial, Inc. currently does not meet the threshold for the non-permissible income screen. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of Chime Financial, Inc. and discover Shariah compliant alternatives among the Halal stocks in the Tabadulat app.

How often is Chime Financial, Inc. CHYM reviewed for Shariah compliance?

Tabadulat reviews Chime Financial, Inc. CHYM for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for Chime Financial, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does Chime Financial, Inc. CHYM pass the AAOIFI Non Permissible Income criteria?

No, as of September 2026, Chime Financial, Inc. stock (CHYM) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or Riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. Chime Financial, Inc.'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does Chime Financial, Inc. CHYM pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of September 2026, Chime Financial, Inc. stock (CHYM) passes the AAOIFI interest-bearing investments screen. Each month Tabadulat compares Chime Financial, Inc.'s holdings in interest-earning instruments, such as conventional deposits, bonds and treasury bills, against AAOIFI's 30% market capitalisation cap. The current screening shows the company inside the limit. Because the ratio is measured against market capitalisation, it can move with the share price as well as the balance sheet, which is why Tabadulat rescreens the stock every month.

Does Chime Financial, Inc. CHYM pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of September 2026, Chime Financial, Inc. stock (CHYM) passes the AAOIFI interest-bearing debt screen. AAOIFI tolerates some conventional borrowing but draws the line at 30% of market capitalisation. On the latest data, Chime Financial, Inc.'s interest-bearing debt stays below the line. Because market capitalisation changes daily, a company's debt ratio can drift toward or away from the limit even without new borrowing, which is why this screen is reassessed every month.

What is the dividend purification factor for Chime Financial, Inc. CHYM stock?

Chime Financial, Inc. (CHYM) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (Tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a Halal investment. If Chime Financial, Inc. returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does Chime Financial, Inc. CHYM pass the AAOIFI Preference Share screen?

Yes, as of September 2026, Chime Financial, Inc. stock (CHYM) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. Chime Financial, Inc. has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

Invest Halal, Anytime, Anywhere

Download the Tabadulat app and start building your Shariah-compliant portfolio in minutes.

English

العربية

Is Chime Financial (CHYM) stock Halal?

NASDAQ

Shariah-Compliant

Not Shariah

September 2026 AAOIFI screening result for Chime Financial, Inc. (CHYM): non-permissible income, fail. Interest-bearing investments, pass. Interest-bearing debt, pass. Preference shares, pass. Chime Financial, Inc. is not currently Shariah compliant. Re-screened monthly against AAOIFI Shariah Standard No. 21.

Sector:

Technology

Industry:

Software - Application

Employees:

Website:

https://www.chime.com

Market cap:

P/E ratio:

Dividend yield:

52-week range:

Data as of:

Screening history:

September 2026: FAIL

Chime Financial is a U.S.-based financial technology company dedicated to providing fee-free, mobile-first banking solutions for consumers. The company’s business model is centered on collecting interchange fees from debit card transactions rather than relying on traditional sources of banking revenue such as overdraft, monthly service, or minimum balance fees. This approach has positioned Chime as an industry disruptor, aiming to make banking more inclusive and affordable, especially for individuals living paycheck to paycheck or seeking alternatives to conventional banks. Before any of that matters to a Muslim investor, one question comes first: is Chime Financial stock Halal?

Is Chime Financial Shariah compliant?

The Shariah case on a technology company like Chime Financial is rarely about the product. What AAOIFI Shariah Standard No. 21 examines is the money around the product: cash parked in instruments that earn Riba, borrowing measured against a market capitalisation that moves daily, and any incidental income from sources Islam prohibits, which must stay below 5% of revenue.

Does Chime Financial pass the business activity test?

The activity screen is only part of the picture this month: Chime Financial currently fails the non-permissible income screen, so the overall verdict is not compliant regardless of the business itself. The watch item for technology names is incidental: cash returns and platform content can carry impermissible elements, which AAOIFI tolerates only below the thresholds.

Is Chime Financial's income Halal?

No. Chime Financial's income from impermissible sources currently exceeds AAOIFI's 5% revenue ceiling, which makes the stock non-compliant on this screen regardless of the others. The screen is reassessed monthly, so the status can change when new financial statements arrive.

Does Chime Financial meet AAOIFI's debt and investment ratio requirements?

Yes. Both caps hold this month: interest bearing investments and interest bearing debt each stay below 30% of market capitalisation. Because the caps move with the share price, our Shariah Supervisory Board has CHYM re-screened every month, and the result above always shows the latest verdict.

Tabadulat is an ADGM regulated brokerage whose license covers Shari'a Compliant Regulated Activities, as the FSRA permission names them. New to the terminology? Gharar and Maysir, Sukuk, Zakat and purification are all explained in plain English.

New to the four screens? Read Why a Halal Stock Screener Matters for Halal Investing

Frequently asked questions

Related stocks

Mobile login screen for Tabadulat with fields to enter email, a Continue button, an option to create an account, and a language selector showing EN.

Step 1

Open your account.

Create your Tabadulat account in minutes: enter your details, complete identity verification, and add funds by secure transfer in multiple currencies. You're ready to start investing in Halal stocks the same day.

Mobile screen showing add money interface with 100 AED amount and Manual Bank Transfer payment method selected, noting 1-2 business days processing.

Step 2

Deposit.

Add funds to your account using a secure payment method. You can deposit in multiple currencies to get started.

Step 3

Screen.

Screen Stocks for Free and explore a wide range of stocks that are ethically screened for Shariah compliance. Use our Halal Stock Screener to find the best opportunities.