A simple scorecard for halal value investors.
Six clear checks — halal screen, business quality, financial health, valuation, position sizing, and a barakah lens — so you stop guessing whether a stock is worth holding.
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Passing a halal screen is the start, not the finish.
They tell you a ticker is permissible — not whether the business is worth owning at today’s price.
Plenty of halal-screened stocks are overpriced, low-quality, or burning cash. Your portfolio shouldn’t own them.
Patient compounding comes from quality businesses bought below intrinsic value — not from speculation or hype.
Halal screening and value analysis, applied together, every single time. That’s the discipline this scorecard codifies.
The scorecard runs six clear checks in plain English — so you can act with conviction, not noise.
What’s inside the scorecard
One page, six checks, plain-English rationale for each. Print it, save it, use it on every stock you consider.
Halal Screening
Business activity + financial ratio checks aligned with AAOIFI standards. Pass or fail, clearly stated.
Business Quality
Does the company have a real moat? Pricing power, durable customers, and a product you actually understand.
Financial Health
Free cash flow, return on capital, debt load, margin trend. The numbers that show whether the business is healthy.
Valuation
Is today’s price reasonable versus what the business is worth? Margin of safety, not market timing.
Position Sizing
How much of your portfolio belongs in this name? Conviction-weighted, not gut-feel.
The Barakah Check
The final lens: does owning this serve your faith, your family, and your long-term peace of mind?
Built by Rizal — not a finfluencer.
I trained at KPMG and Standard Chartered, then traded forex and commodities professionally from 2006 onward. In 2008 I had an awakening about riba and the dunya-chasing trading life — and committed to building wealth the halal way.
Today I’m semi-retired, a former certified Takaful practitioner, and I run Barakah Profits to help Muslim professionals invest with both discipline and deen.
This scorecard is the exact checklist I use myself before buying any stock. No fluff, no hype, no upsell pressure.
What early users say
“Finally, a framework that doesn’t just tell me what’s halal — it tells me what’s actually worth owning. I use it before every buy now.”
— S.J., Melbourne“The barakah check at the end is what makes this different. It forces me to think beyond returns — and that’s changed how I invest.”
— R.H., Melbourne“Clear, practical, and free of the usual hype. I sent this to my brothers and we now run every stock through it together.”
— S.M., SingaporeIs this scorecard for you?
Yes, if you’re…
- A Muslim professional who wants to invest the halal way
- Tired of guessing whether a stock is “good enough” to buy
- Drawn to patient compounding, not day-trading or hype
- Willing to do a little homework before you press buy
- Building wealth for your family, not a get-rich-quick chase
Probably not, if you’re…
- Looking for hot tips, alpha calls, or signal services
- Trying to flip stocks weekly or chase momentum
- Not interested in understanding the business you own
- Hoping for guaranteed returns (no honest investor offers that)
Ready to invest with clarity and conviction?
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Halal value investing, taught the right way. Patient compounding, AAOIFI-aligned screening, and a barakah lens on every decision.