Is Blend Labs, Inc. (BLND) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 0.9% / 30% | 23.0% / 30% | 4.6% / 30% | 3.45% / 5% | ✓ HALAL |
| DJIM | 0.9% / 33% | 23.0% / 33% | 4.6% / 33% | 3.45% / 5% | ✓ HALAL |
| MSCI | 2.2% / 33% | 55.3% / 33% | 11.2% / 33% | 3.45% / 5% | ✗ NOT HALAL |
| S&P | 0.9% / 33% | 23.0% / 33% | 4.6% / 33% | 3.45% / 5% | ✓ HALAL |
| FTSE | 2.2% / 33% | 55.3% / 33% | 11.2% / 50% | 3.45% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 73.8% | |
| Operating Margin | -13.8% | |
| Net Margin | -5.5% | |
| Return on Equity (ROE) | -0.8% | |
| Return on Assets (ROA) | -7.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $12M |
| Free Cash Flow | -$81,000 |
| Total Debt | $1M |
| Debt-to-Equity | 1.1 |
| Current Ratio | 2.5 |
| Total Assets | $170M |
Price & Trading
| Last Close | $1.70 |
| 50-Day MA | $1.97 |
| 200-Day MA | $3.02 |
| Avg Volume | 3.6M |
| Beta | 1.3 |
|
52-Week Range
$1.44
| |
About Blend Labs, Inc. (BLND)
Blend Labs, Inc. provides a cloud-based software platform for financial services firms in the United States, India, and Mexico. The company offers a suite of products that powers digital-first consumer journeys for mortgages, home equity loans and lines of credit, vehicle loans, rapid home lending, personal loans, credit cards, and deposit accounts; and a suite of add-on products that offers to enhance consumers' journeys to homeownership, such as close, income verification for mortgage and home equity lines of credit, and home equity loans. It also provides Blend Builder to configure or build custom workflows from a pre-built set of components; verification components to automate confirmation tasks that are needed to underwrite a loan or approve the opening of a new deposit account; decisioning components to reduce the need for human intervention by automatically applying business rules throughout an application workflow configured by a financial services firm; AI capabilities; and workflow intelligence components to manage data collection and automate tasks throughout the loan origination process. In addition, the company offers application programming interfaces, which integrate the capabilities of technology, data, and service providers into software platform, as well as support services, professional and consulting services. It serves banks, credit unions, fintechs, and other non-bank mortgage lenders. The company was incorporated in 2012 and is headquartered in Novato, California.
Purification Calculator
As a halal stock with 3.45% impermissible income, you need to purify your dividends.
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Frequently Asked Questions
Is Blend Labs, Inc. (BLND) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Blend Labs, Inc. is Halal. The company passes all financial ratio thresholds for debt, cash, receivables, and impermissible income. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Blend Labs, Inc.'s debt ratio?
Blend Labs, Inc.'s debt ratio is 0.9% 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 2.2%.
Does Blend Labs, Inc. require dividend purification?
Yes, Blend Labs, Inc. has an impermissible income ratio of 3.45%, which means 3.45% of any dividends received should be donated to charity as purification. This is because a small portion of the company's revenue comes from non-Shariah-compliant sources.
What are Blend Labs, Inc.'s key financial metrics?
Blend Labs, Inc. has a market capitalization of $429M, and revenue of $124M. The company maintains a gross margin of 73.8% and a net margin of -5.5%. Return on equity stands at -0.8%.
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.