Is X Financial XYF stock halal to invest in?

No, as of February 2026, X Financial stock (XYF) is currently categorized as NOT Shariah Compliant. The company's status is determined by a rigorous financial screening process, which uses the criteria set by the AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions) as the primary global standard for Islamic investing. X Financial has been assessed to have exceeded the permissible financial thresholds—specifically in areas like interest-bearing debt or non-permissible income (such as income from interest)—and, therefore, does not qualify as a halal investment under the current review. For investors seeking Shariah compliant global stocks, it is essential to check the latest compliance status, as these screenings are updated regularly (e.g., monthly) or upon the release of new financial reports. You can find the most current status for X Financial and alternative halal stock options within the Tabadulat app.

How often is X Financial XYF reviewed for Shariah compliance?

At Tabadulat, we receive Shariah compliance data on X Financial XYF monthly. We apply the rigorous AAOIFI screening methodology under the direct supervision of our dedicated Shariah Supervisory Board to ensure your investments are consistently compliant.

Does X Financial XYF pass the AAOIFI Non Permissible Income criteria?

No, as of February 2026, X Financial stock (XYF) does not pass the AAOIFI Non Permissible Income criterion. The company's income from non-permissible sources has exceeded the permissible threshold set by AAOIFI, indicating the stock is currently not Shariah compliant for this screen.

Does X Financial XYF pass the AAOIFI Interest Bearing Investments criteria?

No, as of February 2026, X Financial stock (XYF) does not pass the AAOIFI Interest Bearing Investments criterion. The company's interest-bearing investments have exceeded the permissible threshold set by AAOIFI, indicating the stock is currently not Shariah compliant for this screen.

Does STOCK pass the AAOIFI Interest Bearing Debt criteria?

No, as of February 2026, X Financial stock (XYF) does not pass the AAOIFI Interest Bearing Debt criterion. The company's interest-bearing debt has exceeded the permissible threshold set by AAOIFI, indicating the stock is currently not Shariah compliant for this screen.

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X Financial

NYSE

Shariah-Compliant

Not Shariah

XYF

About

X Financial

XYF

X Financial is a leading fintech company based in China that specializes in offering comprehensive financial services, primarily focused on online lending. The company plays an integral role in connecting borrowers with diverse financial needs to lenders through its innovative, technology-driven platform. This service primarily targets individuals seeking personal loans, leveraging data analytics and unique risk assessment models to provide efficient credit assessments. X Financial's platform benefits various sectors, particularly impacting the consumer finance industry by enabling more accessible, transparent, and flexible financial opportunities for users underserved by traditional banking systems. By digitizing the lending process, X Financial enhances both the speed and accessibility of financial services, contributing to the evolution of modern banking practices. As part of China's growing fintech landscape, X Financial holds significant relevance by addressing the needs of China's vast consumer base and supporting the broader digital finance transformation.

Sector:

Financial Services

Industry:

Credit Services

Employees:

563

Website:

https://ir.xiaoyinggroup.com

XYF

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X Financial

About

X Financial

XYF

Frequently asked questions

Is X Financial XYF stock halal to invest in?

How often is X Financial XYF reviewed for Shariah compliance?

Does X Financial XYF pass the AAOIFI Non Permissible Income criteria?

Does X Financial XYF pass the AAOIFI Interest Bearing Investments criteria?

Does STOCK pass the AAOIFI Interest Bearing Debt criteria?

How do I buy X Financial XYF stock?

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