Investing · Zoya
Zoya Stock Screener
Co-Founder & CEO, HalalWallet
Facts are re-verified against Zoya's published materials; this page updates when the provider's terms, rates, or coverage change.
Zoya's screener is the best-known compliance research tool in halal investing: Shariah verdicts on 30,000+ stocks (company materials cite up to 60,000 instruments including funds) across 13 markets, run by Investroo Inc. with methodology guidance from Sheikh Joe Bradford - an AAOIFI-certified adviser and former Al Rajhi Bank sharia consultant - and Sheikh Umer Khan. AAOIFI screening is the default (over 5% non-permissible revenue or 30%+ interest-bearing debt/securities fails), with Pro users able to switch between S&P, MSCI, Dow Jones, and FTSE Russell rulebooks on the same ticker. Full reports expose the actual ratios so users can verify rather than trust.
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What is the Zoya Stock Screener?
Zoya's screener is the best-known compliance research tool in halal investing: Shariah verdicts on 30,000+ stocks (company materials cite up to 60,000 instruments including funds) across 13 markets, run by Investroo Inc. with methodology guidance from Sheikh Joe Bradford - an AAOIFI-certified adviser and former Al Rajhi Bank sharia consultant - and Sheikh Umer Khan.
- Contract structure: Stock Screener.
- Available in all 50 states.
- Shariah oversight disclosed: Named Scholar.
- Verified against Zoya's published materials on 2026-08-05.
Source: HalalWallet (halalwallet.us)
Key facts
- Structure
- Stock Screener
- Program type
- Stock Screener
- Management fee
- $14.99/month or $119.99/year
- Screening method
- AAOIFI standards
- Focus
- Halal Stock Screening
- Account types
- Individual, IRA, Roth IRA
- Availability
- all 50 states
- Shariah oversight
- Named Scholar
- Provider founded
- 2020
- Last verified
- 2026-08-05
Facts are taken from Zoya's published product materials and were last verified on 2026-08-05. Fields the provider does not publish are omitted rather than estimated.
Our take
Zoya earned its standard-tool status honestly: verdicts are backed by the actual financial ratios and segment revenue data, the 'Questionable' rating respects gray areas instead of forcing binary calls, and the multi-methodology switch (AAOIFI, S&P, MSCI, Dow Jones, FTSE Russell) is unique - it lets you see how the same stock fares under different scholarly standards, which is how sophisticated Muslims actually think about compliance. The ecosystem around the screener (portfolio sync with $1B in connected assets, trading pass-through at seven brokers, zakat tooling) makes it stickier than a lookup service. Value note: the $119.99/year app-store price is nearly double Musaffa's Foundation plan, but Zoya's own web checkout runs pay-what-you-think-is-fair at roughly $9-11/month - use that route. For serious DIY halal stock pickers, this and Musaffa are the two tools worth paying for.
Strengths
- Screens thousands of stocks for Sharia compliance
- Methodology overseen by AAOIFI-certified scholar Sheikh Joe Bradford and Sheikh Umer Khan
- Purification tracking supported alongside screening
- Available nationwide in all 50 states
Watch-outs
- Full access costs $14.99/month or $119.99/year via app stores - pricier than Musaffa's $72/year
- A research tool, not a brokerage - trades happen elsewhere (though pass-through ordering covers seven brokers)
- Free tier is status-only: no ratio detail, and fund screening stops at top-10 holdings
- App-store and web pricing diverge without explanation on the site
Is the Zoya Stock Screener halal?
Zoya's screener applies the AAOIFI standard by default - companies fail if more than 5% of revenue comes from prohibited sources, or if interest-bearing debt or interest-bearing securities exceed 30% of market capitalization - and, unusually, it shows its work: every full compliance report exposes the actual ratios and segment-level revenue breakdowns, so you can verify a verdict instead of trusting a label. Pro users can re-screen any stock under S&P Shariah, MSCI Islamic, Dow Jones Islamic, and FTSE Russell Shariah rulebooks, which matters because the same company can pass one standard and fail another. The methodology sits under the guidance of two named advisors with serious credentials: Sheikh Joe Bradford, an AAOIFI-accredited Certified Shariah Adviser and Auditor with a Master of Islamic Law from the University of Medina and prior service as Senior Shariah Consultant at Al Rajhi Bank, and Sheikh Umer Khan, a mufti (ifta' from Darulifta Birmingham) with a Wharton Master's in Finance. The honesty is structural: Zoya labels gray-area companies 'Questionable' rather than forcing a verdict, and it states plainly that its ratings are an independent interpretation and replication of published methodologies - advisor-guided, not certified by a formal Shariah supervisory board or any standard-setter. Compliance status can change with each filing season, so the screener re-rates stocks on each company's reporting cycle and alerts Pro users when holdings drift.
Shariah oversight disclosed by Zoya
Shariah Advisors: Sheikh Joe Bradford & Sheikh Umer Khan. Oversee screening methodology.
HalalWallet reports the Shariah documentation a provider publishes. We do not issue certifications; consult a qualified scholar for a personal ruling.
What you get
- AAOIFI screening by default (≤5% non-permissible revenue; interest-bearing debt and securities each under 30% of market cap)
- Full reports expose actual ratios and segment-level revenue breakdowns - verify, don't trust
- Pro adds S&P, MSCI, Dow Jones, and FTSE Russell Shariah rulebooks on the same stock
- 'Questionable' rating for gray-area industries instead of forced verdicts
- Compliance re-rated on each company's reporting cycle, with email alerts on status changes for Pro users
- Covers stocks in 13 markets; ETF and mutual fund screening for the US market
Cost and terms
Free tier: AAOIFI compliance status only, fund screening limited to top-10 holdings, one linked account. Zoya Pro: $14.99/month or $119.99/year US app-store pricing (verified via Zoya's help center 2026-08-05); the web checkout instead runs pay-what-you-think-is-fair with $9-$11/month anchors - checking out on the web can cost meaningfully less than the app stores.
How it compares
Other investing providers we list in the U.S., ordered by HalalWallet Index grade.
| Product | Structure | Shariah oversight | Availability | Grade |
|---|---|---|---|---|
| Zoya Stock Screener (this page) | Stock Screener | Named Scholar | all 50 states | — |
| Musaffa Halal Stock Screener | Stock Screener | Formal Board | all 50 states | — |
| Manzil Trading (Self-Directed Halal Stock Trading) | Self-directed brokerage with real-time AAOIFI screening (Zoya) | Formal Board | all 50 states | A |
| Wahed Real Estate Fund | Zero-debt single-family rental fund (100% equity) | Third-Party Certified | all 50 states | B+ |
| SPFunds SP Funds S&P World ETF | Index-based | Third-Party Certified | all 50 states | B |
Other Zoya products
- Zoya Brokerage Integration
Investing · Stock Screener
- Zakat Calculator
Zakat Calculator · Stock Screener
Where it's available
Zoya lists the Zoya Stock Screener as available in all 50 states.
Availability may vary by product and can change; verify with Zoya before applying.
Frequently asked questions
Is the Zoya Stock Screener halal?
Zoya's screener applies the AAOIFI standard by default - companies fail if more than 5% of revenue comes from prohibited sources, or if interest-bearing debt or interest-bearing securities exceed 30% of market capitalization - and, unusually, it shows its work: every full compliance report exposes the actual ratios and segment-level revenue breakdowns, so you can verify a verdict instead of trusting a label. Contract structure: Stock Screener. Shariah oversight disclosed by Zoya: Named Scholar. HalalWallet reports what the provider documents; we do not certify products.
How does the Zoya Stock Screener work?
Zoya's screener is the best-known compliance research tool in halal investing: Shariah verdicts on 30,000+ stocks (company materials cite up to 60,000 instruments including funds) across 13 markets, run by Investroo Inc. with methodology guidance from Sheikh Joe Bradford - an AAOIFI-certified adviser and former Al Rajhi Bank sharia consultant - and Sheikh Umer Khan.
What does the Zoya Stock Screener cost?
Free tier: AAOIFI compliance status only, fund screening limited to top-10 holdings, one linked account. Zoya Pro: $14.99/month or $119.99/year US app-store pricing (verified via Zoya's help center 2026-08-05); the web checkout instead runs pay-what-you-think-is-fair with $9-$11/month anchors - checking out on the web can cost meaningfully less than the app stores.
Where is the Zoya Stock Screener available?
Zoya lists this product as available in all 50 states. Availability can change and may differ by state; verify directly with Zoya.
What are the alternatives to the Zoya Stock Screener?
In the same category we also list Musaffa Halal Stock Screener, Manzil Trading (Self-Directed Halal Stock Trading) (HalalWallet Index A), Wahed Real Estate Fund (HalalWallet Index B+). Compare every option side by side on our Halal Investing hub.
When was this Zoya product information last verified?
HalalWallet last verified the Zoya Stock Screener details against Zoya's published materials on 2026-08-05. Rates, fees, and availability can change after that date.
How to use this comparison: HalalWallet is an independent educational comparison platform - by design, we do not provide financial, legal, or religious advice. We do the research homework so your final checks are quick and personal.
Product structures and Shariah oversight vary by provider, so finish with three built-in steps:
- Confirm current terms and halal compliance directly with the provider - their quote is final.
- Review the contract structure (Murabaha, Ijara, Musharakah, etc.) and any disclosed Shariah board opinions.
- Bring your shortlist to a qualified Islamic finance advisor or scholar, so the conversation is about your situation, not the basics.
Sources and review process
This page is reviewed against HalalWallet editorial standards and source documentation.
Reviewed by: HalalWallet Editorial Team
Last reviewed: 2026-08-05
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For time-sensitive claims (rates, fees, state availability), please verify directly with the provider's official documentation and note the retrieval date.