Is BMW (BMW) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 175.8% / 30% | 44.9% / 30% | 85.1% / 30% | 0.46% / 5% | ✗ NOT HALAL |
| DJIM | 175.8% / 33% | 44.9% / 33% | 85.1% / 33% | 0.46% / 5% | ✗ NOT HALAL |
| MSCI | 31.9% / 33% | 8.2% / 33% | 15.5% / 33% | 0.46% / 5% | ✓ HALAL |
| S&P | 175.8% / 33% | 44.9% / 33% | 85.1% / 33% | 0.46% / 5% | ✗ NOT HALAL |
| FTSE | 31.9% / 33% | 8.2% / 33% | 15.5% / 50% | 0.46% / 5% | ✓ HALAL |
Financial Highlights
Profitability
| Gross Margin | 13.8% | |
| Operating Margin | 5.6% | |
| Net Margin | 5.5% | |
| Return on Equity (ROE) | 7.7% | |
| Return on Assets (ROA) | 2.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $8.2B |
| Free Cash Flow | -$2.7B |
| Total Debt | $88.3B |
| Debt-to-Equity | 112.8 |
| Current Ratio | 1.1 |
| Total Assets | $266.0B |
Price & Trading
| Last Close | EUR 78.18 |
| 50-Day MA | EUR 84.94 |
| 200-Day MA | EUR 85.96 |
| Avg Volume | 1.0M |
| Beta | 0.7 |
|
52-Week Range
EUR 62.96
| |
About BMW (BMW)
Bayerische Motoren Werke Aktiengesellschaft develops, manufactures, and sells automobiles and motorcycles, spare parts, and accessories worldwide. It operates through Automotive, Motorcycles, and Financial Services segments. The company offers automobiles under the BMW, MINI, and Rolls-Royce brands. It also develops, manufactures, and sells scooters, and motorcycles for private use and special-purpose vehicles for operational use under the BMW Motorrad brand. In addition, the company provides car rentals; credit financing; leasing that include insurance and service products; financing for dealership and customer deposits; vehicle fleet financing services for corporate car fleets under the Alphabet brand; and financial services for the automotive sector. It sells its products through retail outlet, agent, and independent dealerships. Bayerische Motoren Werke Aktiengesellschaft was founded in 1916 and is headquartered in Munich, Germany.
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Frequently Asked Questions
Is BMW (BMW) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), BMW 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 BMW's debt ratio?
BMW's debt ratio is 175.8% 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 31.9%.
What are BMW's key financial metrics?
BMW has a market capitalization of $47.2B, trailing P/E ratio of 6.5, and revenue of $133.5B. The company maintains a gross margin of 13.8% and a net margin of 5.5%. Return on equity stands at 7.7%.
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.