Is CHYM halal?
Chime Financial, Inc.
Doubtful
No clear verdict is possible for Chime Financial, Inc. — data is insufficient or the case is contested in fiqh. As a precaution it is NOT included in the halal list.
Checked: 14 October 2026
Exchange
NASDAQ
Price
29.96
Day
+3.31%
Market cap
$10.99B
Industry
Software - Application
Sector
Technology
Manually identified reason
Automatic screening reads the industry label, not what's inside. This company's filings were checked by hand and a hidden prohibited activity was found:
Doubtful: neobank — interchange is the core, but the credit/interest products' share (MyPay, Credit Builder) is not disclosed (Chime)
What the company does
Chime is a mobile banking app (no branches, not a bank itself — it uses partner banks): debit cards, fee-free accounts and early paycheck access. Most of its money comes from card interchange fees; the lending/interest share is checked by the screener.
What was checked
The AAOIFI standard has four steps: business activity first, then three financial ratios. Fail one and the stock is not halal.
Business activity
Doubtful: neobank — interchange is the core, but the credit/interest products' share (MyPay, Credit Builder) is not disclosed (Chime)
Interest-bearing debt / market cap
limit 30%
0.0%
Pass
Cash & investments / market cap
limit 30%
13.3%
Pass
Non-compliant income / total revenue
limit 5%
—
No data
In the lists
- In the S&P 500
- Not in the S&P 500
- Held by funds
- Not held by any tracked fund
Superinvestors
SEC 13F, 2026 Q3. Up to 45 days delayed.Held by 3 superinvestors · Average reported price: $20.48
- Samantha McLemorePatient Capital Management$83.6M2.8%
- Chase ColemanTiger Global Management$108.2M0.5%
- Christopher DavisDavis Advisors$47.8M0.2%
Halal stocks in the same industry
The largest halal stocks in Software - Application — for comparison.
Related articles
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- Halal investingBlogWhy does a stock's halal status change?A stock that was halal yesterday can leave the list today. The four main reasons — and why none of them is a bug.
- Halal investingBlogAAOIFI Shariah Standard No. 21 in plain languageThe most widely used standard for halal stock screening: the two-step test, the three ratios and how it differs from other methods.
Halal is the first question. The second: when to enter?
Our scanner watches 1454 halal stocks around the clock and fires a signal with entry, TP and SL when a technical setup completes. The full signal history — with outcomes — is public.
This is neither investment advice nor a fatwa. Screening is based on public financial statements and AAOIFI standard No. 21; data may lag. For a personal decision consult your own scholar.