Is UnitedHealth Group, Inc. UNH stock Halal to invest in?

No, as of September 2026, UnitedHealth Group, Inc. stock (UNH) 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. UnitedHealth Group, 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 UnitedHealth Group, Inc. and discover Shariah compliant alternatives among the Halal stocks in the Tabadulat app.

How often is UnitedHealth Group, Inc. UNH reviewed for Shariah compliance?

Tabadulat reviews UnitedHealth Group, Inc. UNH 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Monthly screening ensures the status shown for UnitedHealth Group, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.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 UnitedHealth Group, Inc. UNH pass the AAOIFI Non Permissible Income criteria?

No, as of September 2026, UnitedHealth Group, Inc. stock (UNH) 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. UnitedHealth Group, 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 UnitedHealth Group, Inc. UNH pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of September 2026, UnitedHealth Group, Inc. stock (UNH) passes the AAOIFI interest-bearing investments screen. Each month Tabadulat compares UnitedHealth Group, 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 UnitedHealth Group, Inc. UNH pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of September 2026, UnitedHealth Group, Inc. stock (UNH) 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, UnitedHealth Group, 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 UnitedHealth Group, Inc. UNH stock?

UnitedHealth Group, Inc. (UNH) 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 UnitedHealth Group, Inc. returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does UnitedHealth Group, Inc. UNH pass the AAOIFI Preference Share screen?

Yes, as of September 2026, UnitedHealth Group, Inc. stock (UNH) 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. UnitedHealth Group, 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 UnitedHealth (UNH) stock Halal?

NYSE

Shariah-Compliant

Not Shariah

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

Sector:

Healthcare

Industry:

Healthcare Plans

Employees:

400000

Website:

https://www.unitedhealthgroup.com

Market cap:

$358.7B

P/E ratio:

25.4

Dividend yield:

2.30%

52-week range:

$255.97 - $461.62

Data as of:

3 September 2026

Screening history:

September 2026: FAIL

UnitedHealth is a diversified healthcare company offering a broad spectrum of health-related services and products. As one of the largest players in the healthcare industry, its primary function is to provide services through its two distinct platforms: UnitedHealthcare, responsible for providing healthcare benefits, and Optum, which provides health services through technology and information. UnitedHealth Group impacts numerous sectors including insurance, healthcare services, and pharmaceuticals, working closely with government agencies, employers, and individual consumers. Before any of that matters to a Muslim investor, one question comes first: is UnitedHealth stock Halal?

Is UnitedHealth Shariah compliant?

Healthcare rarely troubles the activity screen; treating illness is permissible work. For UnitedHealth, the AAOIFI Shariah Standard No. 21 verdict turns on the balance sheet instead: research is capital hungry, and interest bearing debt and investments must each stay below 30% of market capitalisation.

Does UnitedHealth pass the business activity test?

The activity screen is only part of the picture this month: UnitedHealth currently fails the non-permissible income screen, so the overall verdict is not compliant regardless of the business itself. Treating illness is permissible work; the scrutiny belongs to the financing behind it.

Is UnitedHealth's income Halal?

No. UnitedHealth'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 UnitedHealth 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 UNH 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 What is Halal Investing? A Guide to Halal Stocks and Islamic Finance

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.