Is COF halal?
Capital One Financial Corporati
Not halal
Capital One Financial Corporati did not pass AAOIFI screening. The failed check is shown below.
Checked: 12 October 2026
Exchange
NYSE
Price
198.86
Day
+2.32%
Market cap
$122.25B
Industry
Credit Services
Sector
Financial Services
What the company does
Capital One is a credit-card and auto-loan bank; by acquiring Discover in 2025 it gained its own payment network. Revenue is mostly interest on card balances and merchant fees.
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
Prohibited activity: Credit Services
Interest-bearing debt / market cap
limit 30%
Interest-bearing debt $44.68B ÷ 36-month average market cap $91.92B = 48.6%
48.6%
Fail
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $144.75B ÷ 36-month average market cap $91.92B = 157.5%
157.5%
Fail
Non-compliant income / total revenue
limit 5%
Interest income $58.70B ÷ annual revenue $53.43B (2025) = 109.8%
109.8%
Fail
Figures from the company's filings (2026-06-30), USD. Market cap is a 36-month average (the S&P Shariah index approach), so a one-day price move does not flip the verdict. Today's market cap: $122.25B.
For information (AAOIFI 3/1 note): cash + receivables are 8.9% of total assets (2026-06-30). AAOIFI recommends tangible assets of at least one third — this figure does not affect the verdict, and other major screeners do not apply it either.
In the lists
- In the S&P 500
- 0.18% weight · #96 of 503
- Held by funds
- Not held by any tracked fund
Superinvestors
SEC 13F, 2026 Q3. Up to 45 days delayed.Held by 14 superinvestors · Average reported price: $200.62
- Christopher DavisDavis Advisors$1.7B7.1%
- Ruane Cunniff LP$392.4M6.1%
- Glenn GreenbergBrave Warrior Advisors$198.4M4.3%
- Abrams Bison Investments$85.3M4.2%
- Daniel LoebThird Point$165.5M3.6%
- Bill NygrenOakmark Funds$2.3B3.1%
Exited this quarter: Clifford Sosin, Stephen Mandel
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- Halal investingBlogWhy a company's cash affects whether its stock is halalLots of cash sounds like a good sign — but halal screening checks it separately. What counts, what doesn't, and where we are stricter than AAOIFI.
- 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.