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VUBFX

ETF / Fund VANGUARD ULTRA-SHORT-TERM BOND FUND
$9.97
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Sharia status
NOT COMPLIANT
Screened by look-through to its filed holdings — 42% of portfolio weight covered
Fund look-through

VANGUARD ULTRA-SHORT-TERM BOND FUND · VANGUARD FIXED INCOME SECURITIES FUNDS

1,002 holdings · as of 2026-04-30 (4.6 months ago) The fund may have traded since. SEC Form N-PORT is filed quarterly and lags the period it covers, so these are the most recent holdings on file, not the fund’s holdings today.

NON-COMPLIANT At least 36.71% of portfolio weight is in non-compliant holdings — already over the 5% threshold, so the verdict is settled whatever the unmatched 58% turns out to be. Matching more holdings can only raise this share, never lower it.

9.57% of that is conventional interest-bearing debt — US Treasuries or agency mortgage paper — identified from the fund's own filing rather than by screening an issuer. Sukuk are deliberately excluded from this test and are never counted here.

1,002 holdings, 289 matched (42% of weight). Portfolio as of 2026-04-30, filed 2026-06-26. Source: SEC Form N-PORT.

10.24% of this portfolio’s income is non-permissible — weighted across holdings, computed over 20% of portfolio weight (193 of 1002 holdings). The common approach purifies that proportion of income received — dividends — not of the position’s value. We report the ratio; what to do with it is a question for your own scholar.

Portfolio shares are withheld: coverage is below the floor needed to state one. The holdings themselves are below, because the names are evidence you can check.

All holdings (1,002) · showing 1–250
HoldingStatusWeightEvery methodology, and the debt ratio behind it
United States Treasury Bill NON_COMPLIANT 8.01% no in-house ratios for this holding
Vanguard Cmt Funds-Vanguard Market Liquidity Fund UNSCREENED 1.01% no in-house ratios for this holding
Athene Global Funding UNSCREENED 0.57% no in-house ratios for this holding
BMO.TO Bank of Montreal NON_COMPLIANT 0.53% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
NTT Finance Corp UNSCREENED 0.52% no in-house ratios for this holding
CM.TO Canadian Imperial Bank of Commerce NON_COMPLIANT 0.52% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Cheniere Corpus Christi Holdings LLC UNSCREENED 0.51% no in-house ratios for this holding
BNS.TO Bank of Nova Scotia/The NON_COMPLIANT 0.48% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
United States Treasury Note/Bond NON_COMPLIANT 0.48% no in-house ratios for this holding
Huntington National Bank/The UNSCREENED 0.48% no in-house ratios for this holding
Truist Bank UNSCREENED 0.46% no in-house ratios for this holding
UBSG.SW UBS Group AG NON_COMPLIANT 0.46% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
GS Goldman Sachs Group Inc/The NON_COMPLIANT 0.45% AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6%
United States Treasury Note/Bond NON_COMPLIANT 0.45% no in-house ratios for this holding
American Honda Finance Corp UNSCREENED 0.44% no in-house ratios for this holding
LLOY.L Lloyds Banking Group PLC NON_COMPLIANT 0.44% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Toyota Motor Credit Corp UNSCREENED 0.43% no in-house ratios for this holding
HSBA.L HSBC Holdings PLC NON_COMPLIANT 0.42% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
BNY Bank of New York Mellon Corp/The NON_COMPLIANT 0.39% AAOIFI27.2% Usmani5.8% Dow Jones Islamic41.5% S&P Shariah49.3% MSCI Islamic5.8% MSCI Islamic M-Series49.3% FTSE Shariah5.8%
Province of British Columbia Canada UNSCREENED 0.38% no in-house ratios for this holding
AerCap Ireland Capital DAC / AerCap Global Aviation Trust UNSCREENED 0.38% no in-house ratios for this holding
Drive Auto Receivables Trust 2025-1 UNSCREENED 0.37% no in-house ratios for this holding
HPE Hewlett Packard Enterprise Co NON_COMPLIANT 0.37% AAOIFI29.3% Usmani24.2% Dow Jones Islamic61.2% S&P Shariah69.5% MSCI Islamic24.2% MSCI Islamic M-Series69.5% FTSE Shariah24.2%
TMUS T-Mobile USA Inc NON_COMPLIANT 0.37% AAOIFI18.0% Usmani17.5% Dow Jones Islamic14.6% S&P Shariah15.9% MSCI Islamic16.5% MSCI Islamic M-Series15.9% FTSE Shariah2.9%
TSN Tyson Foods Inc NON_COMPLIANT 0.36% AAOIFI45.2% Usmani22.5% Dow Jones Islamic40.2% S&P Shariah41.7% MSCI Islamic22.5% MSCI Islamic M-Series41.7% FTSE Shariah22.5%
JPM JPMorgan Chase & Co NON_COMPLIANT 0.36% AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4%
UBS AG/Stamford CT UNSCREENED 0.36% no in-house ratios for this holding
National Bank of Canada UNSCREENED 0.35% no in-house ratios for this holding
RY Royal Bank of Canada COMPLIANT 0.35% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
WFC Wells Fargo & Co NON_COMPLIANT 0.35% AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1%
ABT Abbott Laboratories COMPLIANT 0.35% AAOIFI19.2% Usmani31.9% Dow Jones Islamic17.6% S&P Shariah18.3% MSCI Islamic31.9% MSCI Islamic M-Series18.3% FTSE Shariah30.8%
BNS.TO Bank of Nova Scotia/The NON_COMPLIANT 0.34% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
GMF Floorplan Owner Revolving Trust UNSCREENED 0.34% no in-house ratios for this holding
CRBG Corebridge Financial Inc NON_COMPLIANT 0.33% AAOIFI8.3% Usmani0.3% Dow Jones Islamic8.0% S&P Shariah8.2% MSCI Islamic0.3% MSCI Islamic M-Series8.2% FTSE Shariah0.3%
RTX RTX Corp NON_COMPLIANT 0.32% AAOIFI12.5% Usmani19.3% Dow Jones Islamic15.9% S&P Shariah18.5% MSCI Islamic19.3% MSCI Islamic M-Series18.5% FTSE Shariah18.4%
GM Financial Revolving Receivables Trust 2021-1 UNSCREENED 0.32% no in-house ratios for this holding
US Bancorp UNSCREENED 0.32% no in-house ratios for this holding
GS Goldman Sachs Group Inc/The NON_COMPLIANT 0.32% AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6%
JEF Jefferies Financial Group Inc NON_COMPLIANT 0.32% AAOIFI155.4% Usmani25.1% Dow Jones Islamic171.6% S&P Shariah188.8% MSCI Islamic25.1% MSCI Islamic M-Series188.8% FTSE Shariah25.1%
ITC Holdings Corp UNSCREENED 0.32% no in-house ratios for this holding
PNC PNC Financial Services Group Inc/The NON_COMPLIANT 0.32% AAOIFI87.5% Usmani13.9% Dow Jones Islamic110.0% S&P Shariah122.6% MSCI Islamic13.9% MSCI Islamic M-Series122.6% FTSE Shariah13.9%
CM.TO Canadian Imperial Bank of Commerce NON_COMPLIANT 0.31% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
WFC Wells Fargo & Co NON_COMPLIANT 0.31% AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1%
American Honda Finance Corp UNSCREENED 0.31% no in-house ratios for this holding
NTT Finance Corp UNSCREENED 0.30% no in-house ratios for this holding
Golden Credit Card Trust UNSCREENED 0.30% no in-house ratios for this holding
General Motors Financial Co Inc UNSCREENED 0.30% no in-house ratios for this holding
Navistar Financial Dealer Note Master Owner Trust II 2025-1 UNSCREENED 0.30% no in-house ratios for this holding
C Citigroup Inc NON_COMPLIANT 0.30% AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8%
WFC Wells Fargo & Co NON_COMPLIANT 0.29% AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1%
Huntington National Bank/The UNSCREENED 0.29% no in-house ratios for this holding
Ford Credit Floorplan Master Owner Trust A UNSCREENED 0.29% no in-house ratios for this holding
T AT&T Inc NON_COMPLIANT 0.29% AAOIFI92.9% Usmani38.0% Dow Jones Islamic94.4% S&P Shariah107.8% MSCI Islamic38.0% MSCI Islamic M-Series107.8% FTSE Shariah33.6%
Truist Bank UNSCREENED 0.29% no in-house ratios for this holding
Constellation Energy Generation LLC UNSCREENED 0.29% no in-house ratios for this holding
Manufacturers & Traders Trust Co UNSCREENED 0.28% no in-house ratios for this holding
Morgan Stanley Private Bank NA UNSCREENED 0.28% no in-house ratios for this holding
Citizens Bank NA/Providence RI UNSCREENED 0.28% no in-house ratios for this holding
BRO Brown & Brown Inc NON_COMPLIANT 0.28% AAOIFI33.8% Usmani27.0% Dow Jones Islamic29.0% S&P Shariah30.8% MSCI Islamic27.0% MSCI Islamic M-Series30.8% FTSE Shariah26.0%
Mars Inc UNSCREENED 0.27% no in-house ratios for this holding
National Bank of Canada UNSCREENED 0.27% no in-house ratios for this holding
BMO.TO Bank of Montreal NON_COMPLIANT 0.27% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
CVS CVS Health Corp NON_COMPLIANT 0.26% AAOIFI61.7% Usmani30.1% Dow Jones Islamic84.9% S&P Shariah88.7% MSCI Islamic30.1% MSCI Islamic M-Series88.7% FTSE Shariah24.2%
C Citigroup Inc NON_COMPLIANT 0.26% AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8%
RY Royal Bank of Canada COMPLIANT 0.26% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
DLR Digital Realty Trust LP COMPLIANT 0.26% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
AXP American Express Co NON_COMPLIANT 0.26% AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2%
Westlake Flooring Master Trust UNSCREENED 0.26% no in-house ratios for this holding
Volkswagen Group of America Finance LLC UNSCREENED 0.26% no in-house ratios for this holding
SNPS Synopsys Inc COMPLIANT 0.25% AAOIFI14.4% Usmani22.7% Dow Jones Islamic13.2% S&P Shariah13.2% MSCI Islamic22.7% MSCI Islamic M-Series13.2% FTSE Shariah21.0%
8306.T Mitsubishi UFJ Financial Group Inc NON_COMPLIANT 0.25% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
LLOY.L Lloyds Banking Group PLC NON_COMPLIANT 0.25% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Banque Federative du Credit Mutuel SA UNSCREENED 0.25% no in-house ratios for this holding
GMF Floorplan Owner Revolving Trust UNSCREENED 0.25% no in-house ratios for this holding
Morgan Stanley Private Bank NA UNSCREENED 0.25% no in-house ratios for this holding
CM.TO Canadian Imperial Bank of Commerce NON_COMPLIANT 0.25% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Hyundai Auto Lease Securitization Trust 2025-C UNSCREENED 0.25% no in-house ratios for this holding
Bridgecrest Lending Auto Securitization Trust 2025-4 UNSCREENED 0.24% no in-house ratios for this holding
Morgan Stanley Bank NA UNSCREENED 0.24% no in-house ratios for this holding
ELV Elevance Health Inc NON_COMPLIANT 0.24% AAOIFI35.1% Usmani24.6% Dow Jones Islamic37.4% S&P Shariah33.5% MSCI Islamic24.6% MSCI Islamic M-Series33.5% FTSE Shariah24.6%
CCG Receivables Trust 2025-2 UNSCREENED 0.24% no in-house ratios for this holding
US Bank NA/Cincinnati OH UNSCREENED 0.24% no in-house ratios for this holding
ZBH Zimmer Biomet Holdings Inc NON_COMPLIANT 0.24% AAOIFI40.7% Usmani32.8% Dow Jones Islamic39.1% S&P Shariah36.3% MSCI Islamic32.8% MSCI Islamic M-Series36.3% FTSE Shariah32.8%
C Citigroup Inc NON_COMPLIANT 0.24% AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8%
LLOY.L Lloyds Banking Group PLC NON_COMPLIANT 0.24% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
American Honda Finance Corp UNSCREENED 0.24% no in-house ratios for this holding
DLR Digital Realty Trust LP COMPLIANT 0.24% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
Corebridge Global Funding UNSCREENED 0.24% no in-house ratios for this holding
Mercedes-Benz Finance North America LLC UNSCREENED 0.24% no in-house ratios for this holding
HSBA.L HSBC Holdings PLC NON_COMPLIANT 0.24% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Sumitomo Mitsui Trust Bank Ltd UNSCREENED 0.24% no in-house ratios for this holding
Stellantis Financial Underwritten Enhanced Lease Trust 2025-B UNSCREENED 0.23% no in-house ratios for this holding
BMO.TO Bank of Montreal NON_COMPLIANT 0.23% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
PFS Financing Corp UNSCREENED 0.23% no in-house ratios for this holding
AXP American Express Co NON_COMPLIANT 0.23% AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2%
HPS Corporate Lending Fund UNSCREENED 0.23% no in-house ratios for this holding
Stellantis Financial Services US Corp UNSCREENED 0.23% no in-house ratios for this holding
US Bank NA/Cincinnati OH UNSCREENED 0.23% no in-house ratios for this holding
Mercedes-Benz Finance North America LLC UNSCREENED 0.23% no in-house ratios for this holding
Suci Second Investment Co UNSCREENED 0.23% no in-house ratios for this holding
BNS.TO Bank of Nova Scotia/The NON_COMPLIANT 0.23% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Caisse d'Amortissement de la Dette Sociale UNSCREENED 0.23% no in-house ratios for this holding
GM General Motors NON_COMPLIANT 0.22% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
BA Boeing Co/The NON_COMPLIANT 0.22% AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2%
Volkswagen Auto Lease Trust 2025-B UNSCREENED 0.22% no in-house ratios for this holding
MS Morgan Stanley NON_COMPLIANT 0.22% AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4%
United States Treasury Note/Bond NON_COMPLIANT 0.22% no in-house ratios for this holding
Stellantis Financial Underwritten Enhanced Lease Trust 2025-C UNSCREENED 0.22% no in-house ratios for this holding
TD Toronto-Dominion Bank/The NON_COMPLIANT 0.21% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
AMT American Tower Corp NON_COMPLIANT 0.21% AAOIFI Usmani Dow Jones Islamic S&P Shariah MSCI Islamic MSCI Islamic M-Series FTSE Shariah
Eskom Holdings UNSCREENED 0.21% no in-house ratios for this holding
Sumitomo Mitsui Trust Bank Ltd UNSCREENED 0.21% no in-house ratios for this holding
Sumisho Air Lease Corp UNSCREENED 0.21% no in-house ratios for this holding
Nissan Auto Lease Trust 2025-B UNSCREENED 0.21% no in-house ratios for this holding
AMZN Amazon.com Inc QUESTIONABLE 0.21% AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1%
CRM Salesforce Inc COMPLIANT 0.21% AAOIFI19.6% Usmani38.1% Dow Jones Islamic18.0% S&P Shariah17.7% MSCI Islamic38.1% MSCI Islamic M-Series17.7% FTSE Shariah35.8%
Toyota Motor Credit Corp UNSCREENED 0.21% no in-house ratios for this holding
LAD Auto Receivables Trust 2025-2 UNSCREENED 0.21% no in-house ratios for this holding
Toyota Lease Owner Trust UNSCREENED 0.21% no in-house ratios for this holding
Glencore Funding LLC UNSCREENED 0.21% no in-house ratios for this holding
GLE.PA Societe Generale SA NON_COMPLIANT 0.20% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Synchrony Card Funding LLC UNSCREENED 0.20% no in-house ratios for this holding
GM Financial Automobile Leasin UNSCREENED 0.20% no in-house ratios for this holding
PNC Bank NA UNSCREENED 0.20% no in-house ratios for this holding
Province of Alberta Canada UNSCREENED 0.19% no in-house ratios for this holding
Ontario Teachers' Finance Trust UNSCREENED 0.19% no in-house ratios for this holding
Sumisho Air Lease Corp UNSCREENED 0.19% no in-house ratios for this holding
Schlumberger Holdings Corp UNSCREENED 0.19% no in-house ratios for this holding
Nissan Auto Lease Trust 2025-A UNSCREENED 0.19% no in-house ratios for this holding
Oman Government International Bond UNSCREENED 0.19% no in-house ratios for this holding
Apollo Management Holdings LP UNSCREENED 0.19% no in-house ratios for this holding
Fifth Third Bank NA UNSCREENED 0.19% no in-house ratios for this holding
SAN.MC Banco Santander SA NON_COMPLIANT 0.19% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
AmeriCredit Automobile Receivables Trust 2026-1 UNSCREENED 0.19% no in-house ratios for this holding
JPM JPMorgan Chase & Co NON_COMPLIANT 0.19% AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4%
BA Boeing Co/The NON_COMPLIANT 0.19% AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2%
Nelnet Student Loan Trust 2026-A UNSCREENED 0.19% no in-house ratios for this holding
BAC Bank of America Corp NON_COMPLIANT 0.18% AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7%
JPM JPMorgan Chase & Co NON_COMPLIANT 0.18% AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4%
IR Ingersoll Rand Inc COMPLIANT 0.18% AAOIFI14.2% Usmani22.7% Dow Jones Islamic12.3% S&P Shariah12.3% MSCI Islamic22.7% MSCI Islamic M-Series12.3% FTSE Shariah22.4%
BAT Capital Corp UNSCREENED 0.18% no in-house ratios for this holding
TFC Truist Financial Corp NON_COMPLIANT 0.18% AAOIFI110.7% Usmani12.6% Dow Jones Islamic124.2% S&P Shariah135.1% MSCI Islamic12.6% MSCI Islamic M-Series135.1% FTSE Shariah12.6%
TD Toronto-Dominion Bank/The NON_COMPLIANT 0.18% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
Mercedes-Benz Finance North America LLC UNSCREENED 0.18% no in-house ratios for this holding
Toyota Lease Owner Trust 2025-B UNSCREENED 0.18% no in-house ratios for this holding
SoFi Consumer Loan Program Trust 2026-1 UNSCREENED 0.17% no in-house ratios for this holding
ORCL Oracle Corp COMPLIANT 0.17% AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5%
Cargill Inc UNSCREENED 0.17% no in-house ratios for this holding
DANSKE.CO Danske Bank A/S NON_COMPLIANT 0.17% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
LLOY.L Lloyds Banking Group PLC NON_COMPLIANT 0.17% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
SA Global Sukuk Ltd UNSCREENED 0.17% no in-house ratios for this holding
ABBV AbbVie Inc COMPLIANT 0.17% AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail
Santander Drive Auto Receivables Trust 2025-1 UNSCREENED 0.17% no in-house ratios for this holding
Dell International LLC / EMC Corp UNSCREENED 0.17% no in-house ratios for this holding
SEBC.F Skandinaviska Enskilda Banken AB NON_COMPLIANT 0.17% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
GM Financial Automobile Leasing Trust 2025-2 UNSCREENED 0.17% no in-house ratios for this holding
HONA Honeywell Aerospace Inc COMPLIANT 0.17% AAOIFI32.8% Usmani83.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic83.4% MSCI Islamic M-Seriespass FTSE Shariah81.8%
Affirm Master Trust UNSCREENED 0.17% no in-house ratios for this holding
Rio Tinto Finance USA PLC UNSCREENED 0.17% no in-house ratios for this holding
TD Toronto-Dominion Bank/The NON_COMPLIANT 0.17% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
Sumisho Air Lease Corp UNSCREENED 0.17% no in-house ratios for this holding
AmeriCredit Automobile Receivables Trust 2025-1 UNSCREENED 0.16% no in-house ratios for this holding
T-Mobile US Trust 2025-2 UNSCREENED 0.16% no in-house ratios for this holding
ITC Holdings Corp UNSCREENED 0.16% no in-house ratios for this holding
HII Huntington Ingalls Industries Inc NON_COMPLIANT 0.16% AAOIFI25.6% Usmani23.1% Dow Jones Islamic27.0% S&P Shariah28.2% MSCI Islamic23.1% MSCI Islamic M-Series28.2% FTSE Shariah21.3%
Israel Government International Bond UNSCREENED 0.16% no in-house ratios for this holding
Synchrony Card Funding LLC UNSCREENED 0.16% no in-house ratios for this holding
INTC Intel Corp COMPLIANT 0.16% AAOIFI9.2% Usmani25.0% Dow Jones Islamic23.9% S&P Shariah26.3% MSCI Islamic25.0% MSCI Islamic M-Series26.3% FTSE Shariah25.0%
HSBA.L HSBC Holdings PLC NON_COMPLIANT 0.16% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Volkswagen Auto Lease Trust 2025-A UNSCREENED 0.16% no in-house ratios for this holding
American Honda Finance Corp UNSCREENED 0.16% no in-house ratios for this holding
Hyundai Auto Lease Securitization Trust 2025-C UNSCREENED 0.16% no in-house ratios for this holding
ING ING Groep NV NON_COMPLIANT 0.16% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
Sumitomo Mitsui Trust Bank Ltd UNSCREENED 0.16% no in-house ratios for this holding
8058.T Mitsubishi Corp NON_COMPLIANT 0.16% AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass
IBM International Business Machines Corp COMPLIANT 0.16% AAOIFI29.5% Usmani42.9% Dow Jones Islamic28.2% S&P Shariah32.2% MSCI Islamic42.9% MSCI Islamic M-Series32.2% FTSE Shariah40.8%
Equitable America Global Funding UNSCREENED 0.16% no in-house ratios for this holding
ING ING Groep NV NON_COMPLIANT 0.16% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
GS Goldman Sachs Group Inc/The NON_COMPLIANT 0.16% AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6%
Goldman Sachs Bank USA/New York NY UNSCREENED 0.16% no in-house ratios for this holding
Glencore Funding LLC UNSCREENED 0.16% no in-house ratios for this holding
Glencore Funding LLC UNSCREENED 0.16% no in-house ratios for this holding
Chase Auto Credit Linked Notes Series 2025-1 UNSCREENED 0.16% no in-house ratios for this holding
BNY Bank of New York Mellon Corp/The NON_COMPLIANT 0.16% AAOIFI27.2% Usmani5.8% Dow Jones Islamic41.5% S&P Shariah49.3% MSCI Islamic5.8% MSCI Islamic M-Series49.3% FTSE Shariah5.8%
LSEG Finance PLC UNSCREENED 0.16% no in-house ratios for this holding
Athene Global Funding UNSCREENED 0.16% no in-house ratios for this holding
Capital Street Master Trust UNSCREENED 0.15% no in-house ratios for this holding
San Diego Gas & Electric Co UNSCREENED 0.15% no in-house ratios for this holding
Citibank NA UNSCREENED 0.15% no in-house ratios for this holding
BAC Bank of America Corp NON_COMPLIANT 0.15% AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7%
BMW US Capital LLC UNSCREENED 0.15% no in-house ratios for this holding
HCA Inc UNSCREENED 0.15% no in-house ratios for this holding
Westlake Automobile Receivables Trust 2025-3 UNSCREENED 0.15% no in-house ratios for this holding
BNY Bank of New York Mellon Corp/The NON_COMPLIANT 0.15% AAOIFI27.2% Usmani5.8% Dow Jones Islamic41.5% S&P Shariah49.3% MSCI Islamic5.8% MSCI Islamic M-Series49.3% FTSE Shariah5.8%
Oman Government International Bond UNSCREENED 0.15% no in-house ratios for this holding
NTR.TO Nutrien Ltd NON_COMPLIANT 0.15% AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass
Nissan Auto Receivables 2024-B Owner Trust UNSCREENED 0.15% no in-house ratios for this holding
Harley-Davidson Motorcycle Tru UNSCREENED 0.15% no in-house ratios for this holding
EXR Extra Space Storage LP NON_COMPLIANT 0.15% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
Ford Credit Floorplan Master Owner Trust A UNSCREENED 0.15% no in-house ratios for this holding
BAT International Finance PLC UNSCREENED 0.15% no in-house ratios for this holding
Westlake Automobile Receivables Trust 2026-1 UNSCREENED 0.15% no in-house ratios for this holding
SFS Auto Receivables Securitization Trust 2025-2 UNSCREENED 0.15% no in-house ratios for this holding
8604.T Nomura Holdings Inc NON_COMPLIANT 0.15% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
UBSG.SW UBS Group AG NON_COMPLIANT 0.15% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Santander Drive Auto Receivabl UNSCREENED 0.15% no in-house ratios for this holding
Santander Drive Auto Receivables Trust 2025-1 UNSCREENED 0.15% no in-house ratios for this holding
ACA.PA Credit Agricole SA NON_COMPLIANT 0.14% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Ford Credit Auto Owner Trust 2022-REV1 UNSCREENED 0.14% no in-house ratios for this holding
T-Mobile US Trust UNSCREENED 0.14% no in-house ratios for this holding
ARE Alexandria Real Estate Equities Inc NON_COMPLIANT 0.14% AAOIFI Usmani Dow Jones Islamic S&P Shariah MSCI Islamic MSCI Islamic M-Series FTSE Shariah
CBA.AX Commonwealth Bank of Australia NON_COMPLIANT 0.14% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
GLE.PA Societe Generale SA NON_COMPLIANT 0.14% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
BRO Brown & Brown Inc NON_COMPLIANT 0.14% AAOIFI33.8% Usmani27.0% Dow Jones Islamic29.0% S&P Shariah30.8% MSCI Islamic27.0% MSCI Islamic M-Series30.8% FTSE Shariah26.0%
Volvo Financial Equipment LLC Series 2025-2 UNSCREENED 0.14% no in-house ratios for this holding
Athene Global Funding UNSCREENED 0.14% no in-house ratios for this holding
Consolidated Edison Co of New York Inc UNSCREENED 0.14% no in-house ratios for this holding
RKTL 2026-1 UNSCREENED 0.14% no in-house ratios for this holding
HONA Honeywell Aerospace Inc COMPLIANT 0.14% AAOIFI32.8% Usmani83.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic83.4% MSCI Islamic M-Seriespass FTSE Shariah81.8%
Caisse d'Amortissement de la Dette Sociale UNSCREENED 0.14% no in-house ratios for this holding
CNH Industrial Capital LLC UNSCREENED 0.14% no in-house ratios for this holding
INTC Intel Corp COMPLIANT 0.14% AAOIFI9.2% Usmani25.0% Dow Jones Islamic23.9% S&P Shariah26.3% MSCI Islamic25.0% MSCI Islamic M-Series26.3% FTSE Shariah25.0%
HSBA.L HSBC Holdings PLC NON_COMPLIANT 0.14% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Stellantis Financial Underwrit UNSCREENED 0.14% no in-house ratios for this holding
Republic of South Africa Government International Bond UNSCREENED 0.14% no in-house ratios for this holding
ORCL Oracle Corp COMPLIANT 0.14% AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5%
T-Mobile US Trust 2024-2 UNSCREENED 0.14% no in-house ratios for this holding
Drive Auto Receivables Trust 2025-1 UNSCREENED 0.13% no in-house ratios for this holding
GLS Auto Select Receivables Issuer Trust 2025-4 UNSCREENED 0.13% no in-house ratios for this holding
INTC Intel Corp COMPLIANT 0.13% AAOIFI9.2% Usmani25.0% Dow Jones Islamic23.9% S&P Shariah26.3% MSCI Islamic25.0% MSCI Islamic M-Series26.3% FTSE Shariah25.0%
PYPL PayPal Holdings Inc NON_COMPLIANT 0.13% AAOIFI22.1% Usmani12.5% Dow Jones Islamic16.3% S&P Shariah16.0% MSCI Islamic12.5% MSCI Islamic M-Series16.0% FTSE Shariah11.7%
8316.T Sumitomo Mitsui Financial Group Inc NON_COMPLIANT 0.13% AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail
Broadcom Corp / Broadcom Cayman Finance Ltd UNSCREENED 0.13% no in-house ratios for this holding
Corp Nacional del Cobre de Chile UNSCREENED 0.13% no in-house ratios for this holding
Brixmor Operating Partnership LP UNSCREENED 0.13% no in-house ratios for this holding
Stellantis Financial Underwrit UNSCREENED 0.13% no in-house ratios for this holding
PPL Capital Funding Inc UNSCREENED 0.13% no in-house ratios for this holding
Verizon Master Trust UNSCREENED 0.13% no in-house ratios for this holding
John Deere Capital Corp UNSCREENED 0.13% no in-house ratios for this holding
Santander Drive Auto Receivables Trust 2025-3 UNSCREENED 0.13% no in-house ratios for this holding
First Investors Auto Owner Trust 2026-1 UNSCREENED 0.12% no in-house ratios for this holding
HPEFS Equipment Trust 2025-1 UNSCREENED 0.12% no in-house ratios for this holding
GA Global Funding Trust UNSCREENED 0.12% no in-house ratios for this holding
STT State Street Corp NON_COMPLIANT 0.12% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
PNW Pinnacle West Capital Corp NON_COMPLIANT 0.12% AAOIFI132.7% Usmani48.2% Dow Jones Islamic147.1% S&P Shariah162.0% MSCI Islamic48.2% MSCI Islamic M-Series162.0% FTSE Shariah32.4%
HPEFS Equipment Trust 2025-2 UNSCREENED 0.12% no in-house ratios for this holding
LUV Southwest Airlines Co COMPLIANT 0.12% AAOIFI36.4% Usmani22.9% Dow Jones Islamic36.4% S&P Shariah38.5% MSCI Islamic22.9% MSCI Islamic M-Series38.5% FTSE Shariah19.7%
RY Royal Bank of Canada COMPLIANT 0.12% AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0%
Nissan Auto Lease Trust 2025-B UNSCREENED 0.12% no in-house ratios for this holding
BA Boeing Co/The NON_COMPLIANT 0.12% AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2%

The published standards disagree about this fund by 2 points of portfolio weight — 8.0% of it passes FTSE Shariah, 5.8% passes MSCI Islamic M-Series. Which number is yours depends on which standard you follow.

These bars are the financial-ratio result under each standard — debt, receivables and interest income. They do not screen what the business does, so a holding can pass every ratio here and still be questionable or non-compliant on activity. The blended verdict above accounts for both.

ratios pass on 6.2% ratios fail on 24.9% 69.1% not rated under AAOIFI

134 of 1,002 listed holdings carry our own per-methodology verdicts (33% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 106 (23% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.

Non-compliant holdingWeight
United States Treasury Bill 8.01%
BMO.TO Bank of Montreal 0.53%
CM.TO Canadian Imperial Bank of Commerce 0.52%
BNS.TO Bank of Nova Scotia/The 0.48%
United States Treasury Note/Bond 0.48%
UBSG.SW UBS Group AG 0.46%
GS Goldman Sachs Group Inc/The 0.45%
United States Treasury Note/Bond 0.45%
LLOY.L Lloyds Banking Group PLC 0.44%
HSBA.L HSBC Holdings PLC 0.42%

Methodology breakdown computing — it will appear here on its own.

🕌Open research, not a fatwa — verify with your own scholar.

Trade setup

Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.

SEPARATE FROM SHARIAH
No trade setup shown — a stock that isn't cleanly Sharia-compliant never gets a bullish verdict here.

VUBFX (VUBFX) is currently considered not halal (non-compliant), per our own look-through to its filed holdings. See its filed holdings and the weight breakdown below for the reasoning.

NON-COMPLIANT
Sharia compliance

🕌 In-house Compliance Research

Computing the full ratio and business-activity breakdown for VUBFX — this runs off the critical path so the page paints first. It will appear here on its own.

10.029.939.859.769.682025-09-172026-03-182026-09-16

Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset

Support & Resistance

This fund prices once a day, so its bars carry no intraday high or low — floor-trader pivots are not defined for it.

Price Forecast

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 below. 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.

7-day expected range
9.97 9.99
±0.09% from 9.98, made 2026-09-05 · resolves 2026-09-12
SELL
from 19 indicators
Not enough resolved predictions yet — 0 of 10 needed before we publish an accuracy figure. 47184 forecast(s) are currently open and will be scored automatically when their horizon expires.

Technical Summary

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.

SELL
19 indicators
OscillatorsSELL
2 buy · 2 neutral · 3 sell
Moving averagesSTRONG SELL
4 buy · 0 neutral · 8 sell
Every indicator, and what it reads
IndicatorValueSignal
RSI (14)33.60NEUTRAL
Stochastic %K (14)0.00BUY
CCI (20)-83.79NEUTRAL
Williams %R (14)-100.00BUY
MACD (12,26,9)-0.00SELL
ROC (10)-0.10SELL
Momentum (10)-0.01SELL
EMA (10)9.98SELL
SMA (10)9.98SELL
EMA (20)9.98SELL
SMA (20)9.99SELL
EMA (30)9.99SELL
SMA (30)10.00SELL
EMA (50)9.98SELL
SMA (50)9.99SELL
EMA (100)9.95BUY
SMA (100)9.95BUY
EMA (200)9.89BUY
SMA (200)9.89BUY

About VUBFX

The advisor employs an active management approach, investing in a diversified portfolio of high-quality and, to a lesser extent, medium-quality bonds. The fund invests at least 80% of its net assets, plus the amount of any borrowings for investment purposes, in bonds.

Background via Yahoo Finance — informational, not part of the verdict.

SMC — Top Down

Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.

Not enough price history yet for a smart-money structure read on any timeframe.

Momentum & Volume

Rate of change and relative volume against this symbol's own recent history. Momentum describes what price has done; it is not a claim about what it will do.

Peer Movement

How the rest of the sector moved over the same window. Context for a price move, never a cause of one.

Peer movement computing — it will appear here on its own.

Before you act on this

The questions worth asking about any verdict on this page, answered plainly.

Is a fund screened on its name?

No. HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A fund marketed as Islamic still gets the same look-through as any other.

What does unrated weight mean?

It is the share of the fund whose holdings HTR cannot cover far enough to rate. It is reported as unrated rather than counted as compliant, because a holding nobody screened should not look like one that passed.

Does the issuer's board make it compliant?

It matters, and it is noted, but it does not replace the look-through. The board's judgement and the holdings screen are shown separately so you can see when they agree and when they do not.

How often is this re-screened?

When the fund files new holdings, and on a rolling basis besides. The date on the verdict above is the last time this fund was actually recomputed.

Open research, not a fatwa. HTR applies published screening standards to filings and publishes what they say, including when they disagree. Nothing here is financial advice or a recommendation to buy or sell. Verdicts can change when new filings land.

Compare with

Same screen, different answers. Comparison is where the standards disagreeing becomes useful rather than confusing.

Peer screening computing — it will appear here on its own.

Insider Activity (90d)

Insider transactions reported in the last ninety days. Insiders sell for reasons that have nothing to do with a view, so a sale on its own is not a signal.

NO DATA   0 buys · 0 sells

COT Positioning — E-MINI S&P 500 - CHICAGO MERCANTILE EXCHANGE

The weekly CFTC Commitments of Traders report for the broad market it tracks, not for this symbol. Positioning context for the tape — it says nothing about this company.

NEUTRAL   report date 2026-09-08 · Asset managers net 912361 (-21819)

AI Summary

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.

Tell us what's working, what's confusing, or what you want to see next — read by a real person, not a form that goes nowhere.