Aviva plc (AV.L) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-27). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Aviva plc under conventional insurance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2025-12-31. AV.L files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_insurance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 35.13% | 30.00% | Fail |
| Interest-bearing investments | 84.01% | 30.00% | Fail |
| Non-permissible income | 10.19% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 1.96% | 33.33% | Pass |
| Cash + interest-bearing securities | 4.69% | 33.33% | Pass |
| Accounts receivable | 5.94% | 33.33% | Pass |
| Non-permissible income | 10.19% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 1.96% | 33.33% | Pass |
| Cash + interest-bearing securities | 4.69% | 33.33% | Pass |
| Accounts receivable | 5.94% | 50.00% | Pass |
| Non-permissible income | 10.19% | 5.00% | Fail |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 44.37% | 33.00% | Fail |
| Cash + interest-bearing securities | 106.11% | 33.00% | Fail |
| Accounts receivable | 28.12% | 33.00% | Pass |
| Non-permissible income | 10.19% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 48.66% | 33.00% | Fail |
| Cash + interest-bearing securities | 116.35% | 49.00% | Fail |
| Accounts receivable | 30.83% | 49.00% | Pass |
| Non-permissible income | 10.19% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 48.66% | 33.33% | Fail |
| Cash + interest-bearing securities | 116.35% | 33.33% | Fail |
| Accounts receivable | 147.19% | 49.00% | Fail |
| Non-permissible income | 10.19% | 5.00% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 43.70 | NEUTRAL |
| Stochastic %K (14) | 5.72 | BUY |
| CCI (20) | -171.24 | BUY |
| Williams %R (14) | -94.28 | BUY |
| MACD (12,26,9) | -4.49 | SELL |
| ROC (10) | -3.49 | SELL |
| Momentum (10) | -25.46 | SELL |
| EMA (10) | 717.99 | SELL |
| SMA (10) | 722.08 | SELL |
| EMA (20) | 717.12 | SELL |
| SMA (20) | 723.25 | SELL |
| EMA (30) | 711.67 | SELL |
| SMA (30) | 716.00 | SELL |
| EMA (50) | 699.08 | BUY |
| SMA (50) | 698.46 | BUY |
| EMA (100) | 678.62 | BUY |
| SMA (100) | 662.74 | BUY |
| EMA (200) | 668.82 | BUY |
| SMA (200) | 654.75 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Insurance - Diversified
Aviva plc provides various insurance, retirement, and wealth products in the United Kingdom, Ireland, Canada, India, and China. It operates through General Insurance; Insurance, Wealth & Retirement; Aviva Investors; and International Investments segments. The company offers gadget, home, motor, pet, and health insurance, as well as commercial, specialty insurance and protection. It also provides life insurance, long-term health and accident insurance, savings, pension, and annuity products, as well as pension fund and lifetime mortgage products; insurance cover to individuals, small and medium-sized businesses for risks associated with motor vehicles and medical expenses, as well as property and liability, such as employers' and professional indemnity liabilities; and personal and commercial lines insurance products for risks associated motor, property, and liability. In addition, the company offers investment management services for institutional pension fund mandates; and manages various retail investment products, including fixed income, equities, multi-asset, real estate and infrastructure for third-party financial institutions, pension funds, public sector organizations, investment professionals, and private investors. It markets its products through a network of insurance brokers, affinity partners, and banks, as well as MyAviva platform price comparison websites. The company was formerly known as CGNU plc and changed its name to Aviva plc in July 2002. Aviva plc was founded in 1696 and is headquartered in London, the United Kingdom.
Background via Yahoo Finance — informational, not part of the verdict.
Research only, not the primary verdict above — SEC EDGAR (the source for the main in-house research card, if shown) has no data for this symbol, so this is computed from a real, country-specific filing instead. Business-activity screening isn't part of this check.
Based on the filing period ending 2026-03-02, figures in GBP.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-08 · Asset managers net 912361 (-21819)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.