AMALY — SHARIAH COMPLIANCE REPORT
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Symbol: SOFI
Report Date: 2026-04-02
Full Report: https://amaly.io/stock/SOFI

EXECUTIVE SUMMARY
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Compliance Status: NON_COMPLIANT
Quality Rating: B
Description: This report evaluates SoFi Technologies, Inc. (SOFI) for Shariah compliance across financial, business activity, and index inclusion criteria. While debt and liquidity ratios meet thresholds, the high non-compliant income ratio from interest-based activities leads to overall non-compliance. No inclusion in major Shariah indices confirms this status. Investors should consider purification for any exposure and explore compliant alternatives in the fintech space.

Primary Compliance Concerns:
- High non-compliant income ratio (24.24%) from interest-bearing financial services
- Core business activities involving riba (interest)

Purification Requirement: 24.24%
Index Inclusion: Not included in any major Shariah-compliant indices (S&P, MSCI, FTSE, DJIM)

KEY FINANCIAL METRICS
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Debt Ratio: 13.7%
Liquidity Ratio: 18.5%
Interest Income Ratio: 24.2%
Purification Required: 24.24%

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: 2025-12-31

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: 2026-02-17T12:00:00Z

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Full interactive report: https://amaly.io/stock/SOFI
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.