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Is CARD FACTORY PLC stock halal?
Debt and investments below the thresholds; interest income not published: the last criterion remains to be verified.
This verdict follows the median view, that of AAOIFI Standard No. 21. It is based on the financial statements for the fiscal year ended 01/31/2026.
The ratios
| Criterion | Measure | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 12.9% of total assets | 30% | within threshold |
| Interest-bearing investments | 2.6% of total assets | 30% | within threshold |
| Impermissible income | not published | 5% | to be verified |
Standard: Total assets, 30% threshold.
The three views
- Median view, our reference : the company is admitted, provided the gains are purified.
- Strictest view : the company is excluded, because it borrows or invests at interest.
- Most lenient view : the company is admitted (Total assets, one-third threshold).
Business activity
Vente au détail de cartes, de cadeaux et d'articles de fête au Royaume-Uni et en Irlande, en magasins, en gros et en ligne
Financial statements read
Fiscal year ended 01/31/2026, in millions of GBP. Source: Annual report of CARD FACTORY PLC (ESEF format), fiscal year ended 2026-01-31.
What could not be verified
- Market capitalization: missing from the filed financial statements, so the AAOIFI ratio is not computed; tolerance is assessed on total assets.
- Interest received: amount not isolated in the filed financial statements.
- Activity classified automatically from the "nature of activities" note of the annual report, without human review: to be confirmed.
- Figures read automatically and not reviewed by a human.
In the same sector
- AMAZON COM INC Permitted
- Walmart Inc. Questionable
- COSTCO WHOLESALE CORP /NEW Questionable
- HOME DEPOT, INC. Permitted
- MCDONALDS CORP Questionable
- TJX COMPANIES INC /DE/ Permitted
- CVS HEALTH Corp Questionable
- STARBUCKS CORP Permitted
Compliance comparison only: no opinion on the value of these securities.
General information: neither investment advice nor a fatwa. Verdict calculated by published rules, from financial statements read automatically and not reviewed by a human. Read the methodology