Stock analysis2026-05-215 min read

Is Microsoft halal in 2026? AAOIFI screen + live API verdict

Is Microsoft halal? The AAOIFI screen, the financial ratios, and the live verdict from the Akinda API for MSFT.

Current verdict: Doubtful

Microsoft's primary business — software, cloud infrastructure, productivity — is permissible. However, the current scan shows a non-compliant revenue line that brings the verdict to Doubtful rather than clearly halal. Most of the non-compliant exposure comes from gaming content and advertising flagged for adult-oriented material.

Company snapshot

Microsoft Corporation trades under the ticker MSFT and operates in the Software / cloud computing sector. The Akinda API runs every ticker through the same three-phase screen — business activity, financial ratios, and a final verdict — so the verdict above traces back to the numbers below.

Phase 1: Business activity screen

First we check what Microsoft Corporation actually does. The AAOIFI rule for mixed-business companies says non-compliant revenue must stay below 5% of total revenue, with no exposure to outright-prohibited sectors (alcohol, conventional banking and insurance, gambling, tobacco, pork, weapons, adult content).

Productivity & Business Processes — Microsoft 365, Dynamics, LinkedIn. Permissible.
Intelligent Cloud — Azure, server products. Permissible.
More Personal Computing — Windows, Xbox, search advertising, devices. Gaming content and search advertising contain the non-compliant exposure.

Non-compliant revenue percentage on /full-report/MSFT: 5.81%. Field name on the wire: non_compliant_revenue_perc.

Phase 2: Financial ratio screen

After the business activity screen clears, the strict AAOIFI grid we apply requires two financial ratios — debt and liquidity / interest-bearing cash position — each below 30% of the company's average 12-quarter market capitalization. Numbers below are the most recent values returned by /full-report/MSFT.

Debt ratio (< 30%)

1.39%

debt_ratio_perc

Liquidity (< 30%)

3.05%

liquidity_ratio_perc

Notes for investors

The non-compliant revenue percentage sitting at 5.81% places Microsoft above the 5% AAOIFI cut-off, which is what flips the verdict to Doubtful instead of Halal. Investors using stricter index-provider methodologies (with the 36-month market-cap denominator) may see different results.

Verify it yourself via the Akinda API

Fire a live /full-report/<ticker> call from the playground using your own API key — see the compliance ratios, AAOIFI screen verdict, and source-breakdown fields the methodology produces.

Open playground →Read the methodology