AMALY — SHARIAH COMPLIANCE REPORT
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Symbol: ZIP
Report Date: 2026-06-03
Full Report: https://amaly.io/stock/ZIP

EXECUTIVE SUMMARY
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Compliance Status: NON_COMPLIANT
Quality Rating: B
Description: Zip Co Limited (ZIP), a buy-now-pay-later (BNPL) fintech provider, demonstrates compliant income ratios but fails critical financial screens due to excessive debt (108.93%) and liquidity (92.35%) relative to market capitalization. The business model raises minor concerns over potential riba in fee structures, though non-permissible income is negligible at 0%. Exclusion from all major Shariah indices confirms NON_COMPLIANT status, with purification required for the minor interest income component. Investors in the Unknown industry should evaluate Islamic fintech alternatives for stronger compliance alignment.

Primary Compliance Concerns:
- debtRatio: 108.93% (threshold: 30%)
- liquidityRatio: 92.35% (threshold: 30%)

Purification Requirement: 2.51%
Index Inclusion: Not included in S&P Dow Jones, MSCI, FTSE, or DJIM Shariah indices.

KEY FINANCIAL METRICS
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Debt Ratio: 1.1%
Liquidity Ratio: 0.0%
Interest Income Ratio: 0.0%
Purification Required: 2.51%

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: Q1 2026
Trend Period: FY 2020 to FY 2025
Data Retrieved: 2026-02-27T12:00:00Z

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