Is UNH halal?
UnitedHealth Group Incorporated
Not halal
UnitedHealth Group Incorporated did not pass AAOIFI screening. The failed check is shown below.
Checked: 12 October 2026
Exchange
NYSE
Price
401.43
Day
-1.29%
Market cap
$340.46B
Industry
Healthcare Plans
Sector
Healthcare
What the company does
UnitedHealth is the largest US health insurer (UnitedHealthcare) plus its Optum arm: clinics, pharmacy services and healthcare IT. Revenue is mostly insurance premiums, plus Optum service 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: Healthcare Plans
Interest-bearing debt / market cap
limit 30%
Interest-bearing debt $73.33B ÷ 36-month average market cap $400.88B = 18.3%
18.3%
Pass
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $31.47B ÷ 36-month average market cap $400.88B = 7.8%
7.8%
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: $340.46B.
For information (AAOIFI 3/1 note): cash + receivables are 25.1% 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
- 0.55% weight · #27 of 503
- Held by funds
- Not held by any tracked fund
Superinvestors
SEC 13F, 2026 Q3. Up to 45 days delayed.Held by 17 superinvestors · Average reported price: $415.63
- Samantha McLemorePatient Capital Management$182.0M6.0%
- Ruane Cunniff LP$293.2M4.6%
- Arnold Van Den BergCentury Management$11.5M2.4%
- Christopher DavisDavis Advisors$529.8M2.3%
- Mairs & Power Funds$232.7M2.1%
- Dodge & Cox Funds$3.8B2.0%
Exited this quarter: David Tepper, Michael Burry
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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.