Is PYPL halal?
PayPal Holdings, Inc.
Not halal
PayPal Holdings, Inc. did not pass AAOIFI screening. The failed check is shown below.
Checked: 13 October 2026
Exchange
NASDAQ
Price
56.7
Day
-0.80%
Market cap
$48.32B
Industry
Credit Services
Sector
Financial Services
What the company does
PayPal is an online payment system (PayPal, Venmo, Braintree) that moves money between buyers and sellers. Revenue comes from a cut of each transaction and from buy-now-pay-later lending.
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 $13.40B ÷ current market cap $48.32B = 27.7%
27.7%
Pass
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $13.53B ÷ current market cap $48.32B = 28.0%
28.0%
Pass
Non-compliant income / total revenue
limit 5%
Interest income $517.00M ÷ annual revenue $33.17B (2025) = 1.6%
1.6%
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 73.2% 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
- 0.07% weight · #228 of 503
- Held by funds
- Not held by any tracked fund
Superinvestors
SEC 13F, 2026 Q3. Up to 45 days delayed.Held by 8 superinvestors · Average reported price: $43.42
- Norbert LouPunch Card Management$27.2M10.6%
- Lindsell Train$136.6M5.2%
- Francis ChouChou Associates$7.2M3.3%
- David EinhornGreenlight Capital (DME Capital Management)$61.5M1.6%
- Yacktman Asset Management$100.1M1.2%
- First Pacific Advisors$92.3M1.2%
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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.