Is MFA FINANCIAL, INC. (MFA) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 639.3% / 30% | 20.7% / 30% | 11.6% / 30% | 249.52% / 5% | ✗ NOT HALAL |
| DJIM | 639.3% / 33% | 20.7% / 33% | 11.6% / 33% | 249.52% / 5% | ✗ NOT HALAL |
| MSCI | 50.6% / 33% | 1.6% / 33% | 0.9% / 33% | 249.52% / 5% | ✗ NOT HALAL |
| S&P | 639.3% / 33% | 20.7% / 33% | 11.6% / 33% | 249.52% / 5% | ✗ NOT HALAL |
| FTSE | 50.6% / 33% | 1.6% / 33% | 0.9% / 50% | 249.52% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 89.7% | |
| Operating Margin | 61.7% | |
| Net Margin | 54.3% | |
| Return on Equity (ROE) | 9.6% | |
| Return on Assets (ROA) | 1.4% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $76M |
| Free Cash Flow | $76M |
| Total Debt | $6.6B |
| Debt-to-Equity | 601.5 |
| Current Ratio | 40.1 |
| Total Assets | $13.0B |
Price & Trading
| Last Close | $9.74 |
| 50-Day MA | $9.91 |
| 200-Day MA | $9.60 |
| Avg Volume | 1.4M |
| Beta | 1.6 |
|
52-Week Range
$7.85
| |
About MFA FINANCIAL, INC. (MFA)
MFA Financial, Inc., together with its subsidiaries, operates as a real estate investment trust in the United States. It operates through two segments: Mortgage-Related Assets and Lima One. The Mortgage-Related Assets segment primarily invests in and manages a diversified portfolio of residential whole loans, including nonqualified mortgage loans, business purpose loans such as single-family rental loans, single-family and multifamily transitional loans, legacy re-performing and non-performing loans, and agency-eligible investor loans. This segment also invests in residential mortgage-backed securities, including agency MBS, non-agency MBS, and credit risk transfer securities. The Lima One segment includes a stand-alone mortgage origination and servicing business; and originates and services business purpose loans for real estate investors, and related mortgage banking activities. The company offers residential whole loans, including purchased credit deteriorated and non-performing loans; and mortgage servicing rights-related assets. The company's investment activities through a combination of securitization transactions, term loan warehouse financing and repurchase agreement financing. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. MFA Financial, Inc. was incorporated in 1997 and is based in New York, New York.
Related Halal Stocks in Real Estate
Frequently Asked Questions
Is MFA FINANCIAL, INC. (MFA) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), MFA FINANCIAL, 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 MFA FINANCIAL, INC.'s debt ratio?
MFA FINANCIAL, INC.'s debt ratio is 639.3% 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 50.6%.
What are MFA FINANCIAL, INC.'s key financial metrics?
MFA FINANCIAL, INC. has a market capitalization of $965M, trailing P/E ratio of 7.3, and revenue of $299M. The company maintains a gross margin of 89.7% and a net margin of 54.3%. Return on equity stands at 9.6%.
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.