Screening rules
Why it screened this way
✗
Non-permissible income is 35.5% of revenue, exceeding the 5% limit under S&P.
✗
Interest income is 35.5% of revenue, exceeding the 5% limit under S&P.
USFinancial ServicesIndia
American Express Company
Non-Compliant₹300
This stock doesn't meet 2 Shariah rules. See below to understand why.
58/100
Non-Compliant
This stock doesn't meet 2 Shariah rules. See below to understand why.
Market Cap₹2.1 L
Revenue₹72,230
Total Debt₹57,759
Debt / Mcap31.14%
Non-Halal Income35.49%
SectorFinancial Services
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Multi-Methodology Screening
Screened against 4 international Shariah standards
ConsensusNon-Compliant0/4 pass
S&P Shariah IndicesNon-Compliant
Debt Ratio31.1%/ 33.0%
Non-Halal Income35.5%/ 5.0%
Interest Income35.5%/ 5.0%
Receivables1.3%/ 33.0%
Cash & IB Securities16.2%/ 33.0%
SectorAllowed
Non-permissible income is 35.5% of revenue, exceeding the 5% limit under S&P.
Interest income is 35.5% of revenue, exceeding the 5% limit under S&P.
AAOIFI StandardsNon-Compliant
Debt Ratio19.3%/ 30.0%
Non-Halal Income35.5%/ 5.0%
Interest Income35.5%/ 5.0%
Receivables0.9%/ 49.0%
Cash & IB Securities16.2%/ 30.0%
SectorAllowed
Non-permissible income is 35.5% of revenue, exceeding the 5% limit under AAOIFI.
Interest income is 35.5% of revenue, exceeding the 5% limit under AAOIFI.
FTSE Yasaar (Maxis)Non-Compliant
Debt Ratio19.3%/ 33.0%
Non-Halal Income35.5%/ 5.0%
Interest Income35.5%/ 5.0%
Receivables0.9%/ 50.0%
Cash & IB Securities16.2%/ 33.0%
SectorAllowed
Non-permissible income is 35.5% of revenue, exceeding the 5% limit under FTSE.
Interest income is 35.5% of revenue, exceeding the 5% limit under FTSE.
Khatkhatay Independent NormsNon-Compliant
Debt Ratio19.3%/ 25.0%
Non-Halal Income35.5%/ 5.0%
Interest Income35.5%/ 5.0%
Receivables0.9%/ 100.0%
Cash & IB Securities16.2%/ 10.0%
SectorAllowed
Non-permissible income is 35.5% of revenue, exceeding the 5% limit under Independent.
Interest income is 35.5% of revenue, exceeding the 3% limit under Independent.
Cash & interest-bearing securities are 16.2% of total assets, exceeding the 10% limit under Independent.
Each methodology uses different denominators and thresholds. A stock may be compliant under one standard but not another. The consensus reflects the majority verdict across all three.
Compliance check
Green = safe, amber = close to limit, red = over the limit
Debt level
31.14%Current debt
28.02%Income purity
35.49%Interest earned
35.49%Similar stocks
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