Is Blend Labs, Inc. (BLND) Stock Halal or Haram?

Blend Labs, Inc. (BLND) - Questionable

Blend Labs, Inc. (BLND) is classified as Questionable 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: Technology
Industry: Software - Application
Result: Doubtful
Reason: This company requires further review: description mentions: loan origination. The sector "Technology" is not categorically excluded, but deeper analysis is recommended.

Financial Ratios

Debt Ratio: Value: 0.3% | Threshold: 30% | Result: Pass
Cash & Interest-bearing Securities Ratio: Value: 7.5% | Threshold: 30% | Result: Pass
Non-Permissible Income Ratio: Value: 2.6% | Threshold: 5% | Result: Pass

Dividend Purification

Purification percentage: 2.58%.Based on the company's financial statements, approximately 2.58% of dividend income should be donated to charity for purification. This is derived from identified interest income (2.58% of total income). Some scholars may differ on the exact calculation method.

About Blend Labs, Inc.

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.

Business Activity

Warn

TechnologySoftware - Application

This company requires further review: description mentions: loan origination. The sector "Technology" is not categorically excluded, but deeper analysis is recommended.

Business-activity data: inferred from the company description (lower confidence). How coverage works

Financial Ratios

Pass

Debt Ratio0.3% / 30%

Cash & Interest-bearing Securities Ratio7.5% / 30%

Non-Permissible Income Ratio2.6% / 5%

Denominator: Market Capitalization

Dividend Purification

2.58%

Based on the company's financial statements, approximately 2.58% of dividend income should be donated to charity for purification. This is derived from identified interest income (2.58% of total income). Some scholars may differ on the exact calculation method.

Uses quarterly data

About Blend Labs, Inc.

United StatesNYSETechnology

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 Aug 18, 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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Screening

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Purification

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Frequently Asked Questions

Is Blend Labs, Inc. (BLND) stock halal to invest in?

According to AAOIFI Shariah screening standards, Blend Labs, Inc. (BLND) is currently classified as Questionable. This is based on both business activity and financial ratio screening.

Does Blend Labs, Inc. have any interest income?

Blend Labs, Inc.'s interest income ratio is 7.5% of total revenue. AAOIFI standards require this to be below 30%.

What guidelines are used to determine if BLND stock is Shariah-compliant?

BLND 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 Blend Labs, Inc. stock reviewed for Shariah compliance?

Blend Labs, Inc.'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 Blend Labs, Inc.'s compliance status?

You can save BLND 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 Blend Labs, Inc. stock considered halal?

Dividends from Blend Labs, Inc. require purification. Approximately 2.58% 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 Blend Labs, Inc. 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.

Salaam

Blend Labs, Inc.

Business Activity

Financial Ratios

Dividend Purification

About Blend Labs, Inc.

Verdict history

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