AMALY — SHARIAH COMPLIANCE REPORT
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Symbol: ALBT
Report Date: 2026-04-22
Full Report: https://amaly.io/stock/ALBT

EXECUTIVE SUMMARY
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Compliance Status: NON_COMPLIANT
Quality Rating: B
Description: ALBT exhibits significant non-compliance with Shariah standards primarily due to excessive debt and interest income ratios that far exceed established thresholds across AAOIFI, MSCI, and S&P methodologies. While business activities appear permissible based on available data, financial metrics indicate heavy reliance on riba-based financing, rendering the stock unsuitable for Shariah-compliant portfolios without major restructuring. Index exclusions confirm this assessment, with no inclusion in major Islamic indices. Purification requirements are impractical due to ratios exceeding 100%, and ESG factors show low risk but do not offset financial concerns. Investors are advised to avoid or monitor for improvements in balance sheet health.

Primary Compliance Concerns:
- debtRatio: 171.68% (threshold: 30%)
- interestIncomeRatio: 223.16% (threshold: 5%)

Purification Requirement: 223.16%
Index Inclusion: Excluded from all major Shariah indices (S&P, MSCI, FTSE, DJIM)

KEY FINANCIAL METRICS
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Debt Ratio: 171.7%
Liquidity Ratio: 28.5%
Interest Income Ratio: 223.2%
Purification Required: 0.00%

INDEX INCLUSION STATUS
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S&P Shariah: EXCLUDED
MSCI Islamic: EXCLUDED
DJIM: EXCLUDED
FTSE Shariah: EXCLUDED
Total: 0 of 4
Last Verified: 2025-11-30

REPORTING PERIOD
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Latest Annual Report: FY 2025
Latest Quarterly Data: Q4 2025
Trend Period: FY 2020 to FY 2025
Data Retrieved: 2026-02-21T12:00:00Z

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Full interactive report: https://amaly.io/stock/ALBT
Provided by Amaly (https://amaly.io) — Shariah Compliant Stock Screener
Disclaimer: This data is for informational purposes only and does not constitute financial or religious advice.