Telefónica, S.A. (TEF.MC) 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. A company whose core business is in an excluded sector — weapons/defense, alcohol, gambling, conventional (interest-based) finance, tobacco, pork, or adult entertainment — is non-compliant even if every debt and income ratio passes. So passing ratios below don't override this verdict; check the business-activity screen for the reason.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2025-12-31. TEF.MC files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: cleared (no excluded categories detected)
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 235.27% | 30.00% | Fail |
| Interest-bearing investments | 33.50% | 30.00% | Fail |
| Non-permissible income | 2.57% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 51.33% | 33.00% | Fail |
| Interest-bearing investments | 7.31% | 33.00% | Pass |
| Non-liquid assets | 85.33% | at least 20.00% | Pass |
| Non-permissible income | 2.57% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 51.33% | 33.33% | Fail |
| Cash + interest-bearing securities | 7.31% | 33.33% | Pass |
| Accounts receivable | 14.67% | 33.33% | Pass |
| Non-permissible income | 2.57% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 51.33% | 33.33% | Fail |
| Cash + interest-bearing securities | 7.31% | 33.33% | Pass |
| Accounts receivable | 14.67% | 50.00% | Pass |
| Non-permissible income | 2.57% | 5.00% | Pass |
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 | 227.29% | 33.00% | Fail |
| Cash + interest-bearing securities | 32.36% | 33.00% | Pass |
| Accounts receivable | 32.57% | 33.00% | Pass |
| Non-permissible income | 2.57% | 5.00% | Pass |
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 | 235.93% | 33.00% | Fail |
| Cash + interest-bearing securities | 33.59% | 49.00% | Pass |
| Accounts receivable | 33.81% | 49.00% | Pass |
| Non-permissible income | 2.57% | 5.00% | Pass |
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 | 235.93% | 33.33% | Fail |
| Cash + interest-bearing securities | 33.59% | 33.33% | Fail |
| Accounts receivable | 67.40% | 49.00% | Fail |
| Non-permissible income | 2.57% | 5.00% | Pass |
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) | 51.30 | NEUTRAL |
| Stochastic %K (14) | 63.01 | NEUTRAL |
| CCI (20) | -13.97 | NEUTRAL |
| Williams %R (14) | -36.99 | NEUTRAL |
| MACD (12,26,9) | -0.00 | SELL |
| ROC (10) | 1.56 | BUY |
| Momentum (10) | 0.06 | BUY |
| EMA (10) | 3.64 | BUY |
| SMA (10) | 3.64 | BUY |
| EMA (20) | 3.64 | BUY |
| SMA (20) | 3.65 | BUY |
| EMA (30) | 3.64 | BUY |
| SMA (30) | 3.65 | BUY |
| EMA (50) | 3.64 | BUY |
| SMA (50) | 3.62 | BUY |
| EMA (100) | 3.65 | BUY |
| SMA (100) | 3.68 | SELL |
| EMA (200) | 3.63 | BUY |
| SMA (200) | 3.56 | 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.
Communication Services · Telecom Services
Telefónica, S.A., together with its subsidiaries, provides telecommunications services in Spain, Brazil, Germany, and the United Kingdom. The company offers digital services for residential customers, such as entertainment, home connectivity and security; and advanced solutions for businesses and public administrations, including cloud, cybersecurity, IoT, artificial intelligence, and professional services. It also provides wholesale services to other operators; fixed and wireless telephony services. It is also involved in the wholesale commercialization of a fiber-to-the-home network; and manages borrowing activities. In addition, the company offers ecosystem services, such as devices, health, insurance, video content, solar energy, alarm systems, advertising, financial services and education, etc.; traffic, connection fees, regular network usage fees, interconnection, network and equipment leasing, and handset sales; and other digital services comprising Pay TV and value-added services. Telefónica, S.A. was incorporated in 1924 and is based in Madrid, Spain.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
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.