Is TWO HARBORS INVESTMENT CORP. (TWO-PC) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 34.7% / 30% | 22.4% / 30% | 10.9% / 30% | 367.13% / 5% | ✗ NOT HALAL |
| DJIM | 34.7% / 33% | 22.4% / 33% | 10.9% / 33% | 367.13% / 5% | ✗ NOT HALAL |
| MSCI | 12.0% / 33% | 7.8% / 33% | 3.8% / 33% | 367.13% / 5% | ✗ NOT HALAL |
| S&P | 34.7% / 33% | 22.4% / 33% | 10.9% / 33% | 367.13% / 5% | ✗ NOT HALAL |
| FTSE | 12.0% / 33% | 7.8% / 33% | 3.8% / 50% | 367.13% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 96.6% | |
| Operating Margin | 15.7% | |
| Net Margin | -122.8% | |
| Return on Equity (ROE) | -23.2% | |
| Return on Assets (ROA) | -3.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $89M |
| Free Cash Flow | -$15M |
| Total Debt | $1.3B |
| Debt-to-Equity | 478.8 |
| Current Ratio | 0.2 |
| Total Assets | $10.9B |
Price & Trading
| Last Close | $23.45 |
| 50-Day MA | $24.66 |
| 200-Day MA | $24.24 |
| Avg Volume | 35K |
| Beta | 1.2 |
|
52-Week Range
$22.25
| |
About TWO HARBORS INVESTMENT CORP. (TWO-PC)
Two Harbors Investment Corp. invests in, finances, and manages mortgage servicing rights (MSRs), agency residential mortgage-backed securities (RMBS), and other financial assets through RoundPoint in the United States. The company target assets include agency RMBS collateralized by fixed rate mortgage loans, adjustable rate mortgage loans, hybrid mortgage loans, or derivatives; and other assets, such as financial and mortgage-related assets, comprising non-agency securities and non-hedging transactions. It qualifies as a REIT for federal income tax purposes. The company was incorporated in 2009 and is headquartered in Saint Louis Park, Minnesota.
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Frequently Asked Questions
Is TWO HARBORS INVESTMENT CORP. (TWO-PC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), TWO HARBORS INVESTMENT CORP. 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 TWO HARBORS INVESTMENT CORP.'s debt ratio?
TWO HARBORS INVESTMENT CORP.'s debt ratio is 34.7% 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 12.0%.
What are TWO HARBORS INVESTMENT CORP.'s key financial metrics?
TWO HARBORS INVESTMENT CORP. has a market capitalization of $3.7B, trailing P/E ratio of 6.8, and revenue of $115M. The company maintains a gross margin of 96.6% and a net margin of -122.8%. Return on equity stands at -23.2%.
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.