SEVEN BANK LTD (8410.T) - Not Halal (Non-Compliant)
SEVEN BANK LTD (8410.T) is classified as Not Halal (Non-Compliant) according to AAOIFI Shariah screening standards. This assessment is based on business activity screening and financial ratio analysis using the AAOIFI methodology.
Business Activity Screen
Sector
Financial Services
Industry
Banks - Regional
Result
Pass
Reason
The sector "Financial Services" and industry "Banks - Regional" are not in the excluded categories.
Financial Ratios
Debt Ratio
Value: 36.3% | Threshold: 30% | Result: Fail
Cash & Interest-bearing Securities Ratio
Value: 340.3% | Threshold: 30% | Result: Fail
Non-Permissible Income Ratio
Value: 9.1% | Threshold: 5% | Result: Fail
Dividend Purification
Purification percentage: 9.12%.Based on the company's financial statements, approximately 9.12% of dividend income should be donated to charity for purification. This is derived from identified interest income (9.12% of total income). Some scholars may differ on the exact calculation method.
About SEVEN BANK LTD
Seven Bank, Ltd. provides various banking products and services to individual and corporate customers in Japan and internationally. The company offers account services, including deposits, post payment, financial product intermediary, loan, and debit services; ATM services, such as cash inflows and outflows, top-up transactions, account opening and information change services, information services for ATM transactions; international money transfer, credit card and electronic money services. It also provides back-office support services, anti-money laundering measures; and development of fraud detection services and online personal authentication services platforms, as well as identity verification and fraud detection services. Seven Bank, Ltd. was incorporated in 2001 and is headquartered in Tokyo, Japan.
Frequently Asked Questions
Is SEVEN BANK LTD (8410.T) stock halal to invest in?
According to AAOIFI Shariah screening standards, SEVEN BANK LTD (8410.T) is currently classified as Not Halal (Non-Compliant). This is based on both business activity and financial ratio screening.
Based on the company's financial statements, approximately 9.12% of dividend income should be donated to charity for purification. This is derived from identified interest income (9.12% of total income). Some scholars may differ on the exact calculation method.
Uses quarterly data
About SEVEN BANK LTD
Seven Bank, Ltd. provides various banking products and services to individual and corporate customers in Japan and internationally. The company offers account services, including deposits, post payment, financial product intermediary, loan, and debit services; ATM services, such as cash inflows and outflows, top-up transactions, account opening and information change services, information services for ATM transactions; international money transfer, credit card and electronic money services. It also provides back-office support services, anti-money laundering measures; and development of fraud detection services and online personal authentication services platforms, as well as identity verification and fraud detection services. Seven Bank, Ltd. was incorporated in 2001 and is headquartered in Tokyo, Japan.
JapanTSEFinancial Services
Screened using AAOIFI Standard No. 21 on October 20, 2026. Financial ratios compared against market capitalization. Different methodologies may produce different results. Learn how we screen.
Screened using AAOIFI Shariah Standard No. 21 (3 ratios). Debt and interest-bearing deposits must each be under 30% of market capitalization, and non-permissible income under 5% of total income. This screening is for educational purposes only and does not constitute a fatwa or religious ruling. Results are based on publicly available financial data and automated analysis. Users should consult qualified Islamic scholars and financial advisors for personal investment decisions. Financial data may be delayed or incomplete. Past compliance does not guarantee future status.
Verdict history
Free with an account.
No verdict changes recorded since first screened on Jun 3, 2026. We started recording changes on Oct 19, 2026.
Dates are when Mizaan recorded the change. Tracked and watched stocks are re-checked weekly; other stocks are re-screened on demand.
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Frequently Asked Questions
According to AAOIFI Shariah screening standards, SEVEN BANK LTD (8410.T) is currently classified as Not Halal (Non-Compliant). This is based on both business activity and financial ratio screening.
SEVEN BANK LTD's interest income ratio is 340.3% of total revenue. AAOIFI standards require this to be below 30%.
8410.T is screened using AAOIFI Standard No. 21, which involves two checks: business activity screening (ensuring the company's core business is permissible in Islam) and financial ratio screening (checking debt, interest income, and cash ratios against defined thresholds). AAOIFI is the most widely recognized standard for Islamic finance.
SEVEN BANK LTD's compliance status is reviewed whenever new financial data becomes available, typically after quarterly or annual earnings reports. Market cap changes can also affect financial ratio screening results. Mizaan refreshes screening data periodically to reflect the latest filings.
You can save 8410.T to your Mizaan portfolio to track its compliance status over time. Mizaan will update the screening whenever new financial data is available, so you always have the latest result.
Dividends from SEVEN BANK LTD require purification. Approximately 9.12% of dividend income should be donated to charity to cleanse earnings from non-permissible sources such as interest income.
Yes, Zakat is generally due on stock holdings. The calculation depends on your school of thought (madhab) and whether you hold shares for trading or long-term investment. Use Mizaan's Zakat calculator to compute your obligation based on your specific madhab and holding intent.
SEVEN BANK LTD's interest income ratio is 340.3% of total revenue. AAOIFI standards require this to be below 30%.
What guidelines are used to determine if 8410.T stock is Shariah-compliant?
8410.T is screened using AAOIFI Standard No. 21, which involves two checks: business activity screening (ensuring the company's core business is permissible in Islam) and financial ratio screening (checking debt, interest income, and cash ratios against defined thresholds). AAOIFI is the most widely recognized standard for Islamic finance.
How often is SEVEN BANK LTD stock reviewed for Shariah compliance?
SEVEN BANK LTD's compliance status is reviewed whenever new financial data becomes available, typically after quarterly or annual earnings reports. Market cap changes can also affect financial ratio screening results. Mizaan refreshes screening data periodically to reflect the latest filings.
How can I stay updated on SEVEN BANK LTD's compliance status?
You can save 8410.T to your Mizaan portfolio to track its compliance status over time. Mizaan will update the screening whenever new financial data is available, so you always have the latest result.
Are dividends from SEVEN BANK LTD stock considered halal?
Dividends from SEVEN BANK LTD require purification. Approximately 9.12% of dividend income should be donated to charity to cleanse earnings from non-permissible sources such as interest income.
Do I need to pay Zakat on my SEVEN BANK LTD shares?
Yes, Zakat is generally due on stock holdings. The calculation depends on your school of thought (madhab) and whether you hold shares for trading or long-term investment. Use Mizaan's Zakat calculator to compute your obligation based on your specific madhab and holding intent.
