Is PFSI halal?
PennyMac Financial Services, In
Not halal
PennyMac Financial Services, In did not pass AAOIFI screening. The failed check is shown below.
Checked: 13 October 2026
Exchange
NYSE
Price
60.32
Day
-1.42%
Market cap
$3.06B
Industry
Mortgage Finance
Sector
Financial Services
What the company does
PennyMac Financial is one of the largest US mortgage originators and servicers, lending both through brokers and directly to consumers. Money comes from originating and selling home loans and from fees for servicing millions of mortgages.
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: Mortgage Finance
Interest-bearing debt / market cap
limit 30%
Interest-bearing debt $23.69B ÷ 36-month average market cap $5.23B = 452.8%
452.8%
Fail
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $748.62M ÷ 36-month average market cap $5.23B = 14.3%
14.3%
Pass
Non-compliant income / total revenue
limit 5%
—
No data
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: $3.06B.
For information (AAOIFI 3/1 note): cash + receivables are 57.1% 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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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.