Is UPBD halal?
Upbound Group, Inc.
Not halal
Upbound Group, Inc. did not pass AAOIFI screening. The failed check is shown below.
Checked: 13 October 2026
Exchange
NASDAQ
Price
16.37
Day
-0.49%
Market cap
$897.8M
Industry
Software - Application
Sector
Technology
What the company does
Upbound Group (formerly Rent-A-Center) offers furniture, appliances and electronics on lease-to-own terms (Rent-A-Center stores, Acima at retail checkout) plus the Brigit finance app. Money comes from weekly/monthly lease payments.
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
No prohibited activity
Interest-bearing debt / market cap
limit 30%
Interest-bearing debt $1.42B ÷ 36-month average market cap $1.48B = 96.2%
96.2%
Fail
Cash & investments / market cap
limit 30%
Cash + interest-bearing securities $105.30M ÷ 36-month average market cap $1.48B = 7.1%
7.1%
Pass
Non-compliant income / total revenue
limit 5%
Interest income $2.62M ÷ annual revenue $4.70B (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. Today's market cap: $897.81M.
For information (AAOIFI 3/1 note): cash + receivables are 10.0% 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
Superinvestors
SEC 13F, 2026 Q3. Up to 45 days delayed.Held by 1 superinvestors · Average reported price: $21.22
- Bill MillerMiller Value Partners$5.5M1.3%
Halal stocks in the same industry
The largest halal stocks in Software - Application — for comparison.
Related articles
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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.