Is JFIN halal?
Jiayin Group Inc.
Not halal
Jiayin Group Inc. did not pass AAOIFI screening. The failed check is shown below.
Checked: 13 October 2026
Exchange
NASDAQ
Price
1.28
Day
+4.92%
Market cap
$65.9M
Industry
Credit Services
Sector
Financial Services
What the company does
Jiayin Group (Shanghai, China) runs an online consumer-lending platform that matches borrowers with banks and finance companies and assesses credit risk. Revenue comes from loan-facilitation and servicing 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 $95.34M ÷ current market cap $65.94M = 144.6%
144.6%
Fail
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $75.45M ÷ current market cap $65.94M = 114.4%
114.4%
Fail
Non-compliant income / total revenue
limit 5%
Interest income $1.34M ÷ annual revenue $931.46M (2025) = 0.1%
0.1%
Pass
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.
For information (AAOIFI 3/1 note): cash + receivables are 47.5% 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
- Not in the S&P 500
- Held by funds
- Not held by any tracked fund
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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.