Is Apollo Commercial Real Estate Finance, Inc. (ARI) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 540.7% / 30% | 9.5% / 30% | 4.8% / 30% | 229.73% / 5% | ✗ NOT HALAL |
| DJIM | 540.7% / 33% | 9.5% / 33% | 4.8% / 33% | 229.73% / 5% | ✗ NOT HALAL |
| MSCI | 80.0% / 33% | 1.4% / 33% | 0.7% / 33% | 229.73% / 5% | ✗ NOT HALAL |
| S&P | 540.7% / 33% | 9.5% / 33% | 4.8% / 33% | 229.73% / 5% | ✗ NOT HALAL |
| FTSE | 80.0% / 33% | 1.4% / 33% | 0.7% / 50% | 229.73% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 68.2% | |
| Operating Margin | 38.6% | |
| Net Margin | 47.2% | |
| Return on Equity (ROE) | 6.8% | |
| Return on Assets (ROA) | 1.4% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $143M |
| Free Cash Flow | $42M |
| Total Debt | $7.9B |
| Debt-to-Equity | 428.0 |
| Current Ratio | 11.0 |
| Total Assets | $9.9B |
Price & Trading
| Last Close | $10.64 |
| 50-Day MA | $10.50 |
| 200-Day MA | $10.17 |
| Avg Volume | 1.3M |
| Beta | 1.6 |
|
52-Week Range
$7.70
| |
About Apollo Commercial Real Estate Finance, Inc. (ARI)
Apollo Commercial Real Estate Finance, Inc. operates as a real estate investment trust that originates, acquires, invests in, and manages commercial first mortgage loans, subordinate financings, and other commercial real estate-related debt investments. The company is qualified as a REIT under the Internal Revenue Code. As a REIT, it would not be subject to federal income taxes, if the company distributes at least 90% of its REIT taxable income to its stockholders. Apollo Commercial Real Estate Finance, Inc. was incorporated in 2009 and is based in New York, New York.
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Frequently Asked Questions
Is Apollo Commercial Real Estate Finance, Inc. (ARI) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Apollo Commercial Real Estate Finance, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Apollo Commercial Real Estate Finance, Inc.'s debt ratio?
Apollo Commercial Real Estate Finance, Inc.'s debt ratio is 540.7% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 80.0%.
What are Apollo Commercial Real Estate Finance, Inc.'s key financial metrics?
Apollo Commercial Real Estate Finance, Inc. has a market capitalization of $1.5B, trailing P/E ratio of 12.9, and revenue of $273M. The company maintains a gross margin of 68.2% and a net margin of 47.2%. Return on equity stands at 6.8%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.