
Is Fair Isaac (FICO) stock Halal?
September 2026 AAOIFI screening result for Fair Isaac Corp. (FICO): non-permissible income, pass. Interest-bearing investments, pass. Interest-bearing debt, pass. Preference shares, pass. Dividend purification factor: 100%. Re-screened monthly against AAOIFI Shariah Standard No. 21.
Fair Isaac is a pioneering analytics company known for its Fair Isaac Credit Organization score, commonly referred to as the FICO score. This score plays an essential role in the financial services industry by assessing consumer credit risk, impacting sectors such as banking, insurance, and retail. The FICO score aids financial institutions in making informed lending decisions by quantifying a borrower's creditworthiness. Before any of that matters to a Muslim investor, one question comes first: is Fair Isaac stock Halal?
Is Fair Isaac Shariah compliant?
The Shariah case on a technology company like Fair Isaac 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 Fair Isaac pass the business activity test?
Yes. In the September 2026 screening Fair Isaac holds an overall PASS, which a stock only earns when its core business clears the activity screen. 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 Fair Isaac's income Halal?
Yes, within AAOIFI's tolerance. Fair Isaac's income from non-permissible sources stays below 5% of revenue in the September 2026 screening, and the small impure portion is handled through purification: the factor of 100% tells holders of FICO what share of each dividend to keep and what remainder to donate to charity.
Does Fair Isaac 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 FICO 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



