Verdicts genuinely change. Free email alert the moment FGCIX's does — no target price to set, unlike "Alert" above.
Whether this fund clears the published standards, and the filings behind that answer. The screen runs first and nothing on the trading side can override it.
Structure, momentum, positioning and levels. Separate from the Sharia verdict above, which this side never overrides.
Federated Hermes Short-Intermediate Total Return Bond Fund · Federated Hermes Institutional Trust
171 holdings
NON-COMPLIANT At least 61.75% of portfolio weight is in non-compliant holdings — already over the 5% threshold, so the verdict is settled whatever the unmatched 32% turns out to be. Matching more holdings can only raise this share, never lower it.
48.83% of that is conventional interest-bearing debt, identified from the fund's own filing rather than by screening an issuer. Sukuk are deliberately excluded from this test and are never counted here.
171 holdings, 95 matched (68% of weight). Portfolio as of 2026-05-31, filed 2026-07-27. Source: SEC Form N-PORT.
3.58% of this portfolio’s income is non-permissible — weighted across holdings, computed over 13% of portfolio weight (53 of 171 holdings). The common approach purifies that proportion of income received — dividends — not of the position’s value. We report the ratio; what to do with it is a question for your own scholar.
Portfolio shares are withheld: coverage is below the floor needed to state one. The holdings themselves are below, because the names are evidence you can check.
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| United States Treasury | NON_COMPLIANT | 8.46% | no in-house ratios for this holding |
| Federated Core Trust III - Federated Project and Trade Finance Core Fund | UNSCREENED | 7.76% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 5.14% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 5.09% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 4.73% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 3.87% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 3.78% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 3.20% | no in-house ratios for this holding |
| PRUDENTIAL QMA STRAT VAL- | UNSCREENED | 2.60% | no in-house ratios for this holding |
| FEDERATED HERMES MONEY MARKET OBLIGATIONS TRUST | UNSCREENED | 2.20% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.59% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.57% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.57% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.56% | no in-house ratios for this holding |
| Federated Core Trust - Federated Mortgage Core Portfolio | UNSCREENED | 1.41% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.25% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.20% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.09% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.05% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 1.03% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 0.95% | no in-house ratios for this holding |
| ROGERS COMMUNICATIONS IN | UNSCREENED | 0.80% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 0.80% | no in-house ratios for this holding |
| United States Treasury | NON_COMPLIANT | 0.79% | no in-house ratios for this holding |
| FELLS POINT FUNDING TR | UNSCREENED | 0.79% | no in-house ratios for this holding |
| Verizon Master Trust | UNSCREENED | 0.54% | no in-house ratios for this holding |
| AMGN AMGEN INC | COMPLIANT | 0.52% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| Toyota Auto Receivables Owner Trust | UNSCREENED | 0.52% | no in-house ratios for this holding |
| 1299.HK AIA GROUP LTD | NON_COMPLIANT | 0.48% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| AON NORTH AMERICA INC | UNSCREENED | 0.48% | no in-house ratios for this holding |
| MANUF & TRADERS TRUST CO | UNSCREENED | 0.48% | no in-house ratios for this holding |
| HEI HEICO CORP | COMPLIANT | 0.44% | AAOIFI5.8% Usmani25.6% Dow Jones Islamic31.9% S&P Shariah36.0% MSCI Islamic25.6% MSCI Islamic M-Series36.0% FTSE Shariah25.6% |
| BDX BECTON DICKINSON & CO | NON_COMPLIANT | 0.44% | AAOIFI33.4% Usmani33.1% Dow Jones Islamic30.8% S&P Shariah28.7% MSCI Islamic33.1% MSCI Islamic M-Series28.7% FTSE Shariah33.1% |
| Honda Auto Receivables Owner Trust | UNSCREENED | 0.44% | no in-house ratios for this holding |
| Enterprise Fleet Financing LLC | UNSCREENED | 0.42% | no in-house ratios for this holding |
| CSCO CISCO SYSTEMS INC | COMPLIANT | 0.41% | AAOIFI5.7% Usmani18.9% Dow Jones Islamic8.4% S&P Shariah9.5% MSCI Islamic18.9% MSCI Islamic M-Series9.5% FTSE Shariah17.6% |
| IR INGERSOLL RAND INC | COMPLIANT | 0.40% | AAOIFI14.2% Usmani22.7% Dow Jones Islamic12.3% S&P Shariah12.3% MSCI Islamic22.7% MSCI Islamic M-Series12.3% FTSE Shariah22.4% |
| C CITIGROUP INC | NON_COMPLIANT | 0.40% | AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8% |
| MET LIFE GLOB FUNDING I | UNSCREENED | 0.40% | no in-house ratios for this holding |
| WMB WILLIAMS COMPANIES INC | NON_COMPLIANT | 0.40% | AAOIFI35.0% Usmani50.0% Dow Jones Islamic41.0% S&P Shariah47.9% MSCI Islamic50.0% MSCI Islamic M-Series47.9% FTSE Shariah50.0% |
| BMW Vehicle Owner Trust | UNSCREENED | 0.40% | no in-house ratios for this holding |
| MERCEDES-BENZ FIN NA | UNSCREENED | 0.40% | no in-house ratios for this holding |
| PFIZER INVESTMENT ENTER | UNSCREENED | 0.40% | no in-house ratios for this holding |
| NFLX NETFLIX INC | QUESTIONABLE | 0.40% | AAOIFI5.2% Usmani28.5% Dow Jones Islamic4.1% S&P Shariah4.7% MSCI Islamic28.5% MSCI Islamic M-Series4.7% FTSE Shariah24.5% |
| CDW LLC/CDW FINANCE | UNSCREENED | 0.40% | no in-house ratios for this holding |
| BAC BANK OF AMERICA CORP | NON_COMPLIANT | 0.39% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| AVGO BROADCOM INC | COMPLIANT | 0.39% | AAOIFI3.8% Usmani32.5% Dow Jones Islamic4.4% S&P Shariah5.5% MSCI Islamic32.5% MSCI Islamic M-Series5.5% FTSE Shariah32.5% |
| DAIMLER TRUCK FINAN NA | UNSCREENED | 0.39% | no in-house ratios for this holding |
| Enterprise Fleet Financing LLC | UNSCREENED | 0.39% | no in-house ratios for this holding |
| MANUF & TRADERS TRUST CO | UNSCREENED | 0.38% | no in-house ratios for this holding |
| NI NISOURCE INC | NON_COMPLIANT | 0.37% | AAOIFI82.1% Usmani43.4% Dow Jones Islamic85.6% S&P Shariah99.5% MSCI Islamic43.4% MSCI Islamic M-Series99.5% FTSE Shariah43.4% |
| ETN EATON CORP | COMPLIANT | 0.37% | AAOIFI13.4% Usmani38.0% Dow Jones Islamic15.6% S&P Shariah16.9% MSCI Islamic38.0% MSCI Islamic M-Series16.9% FTSE Shariah36.7% |
| WFC WELLS FARGO & COMPANY | NON_COMPLIANT | 0.37% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| TMUS T-MOBILE USA INC | NON_COMPLIANT | 0.36% | AAOIFI18.0% Usmani17.5% Dow Jones Islamic14.6% S&P Shariah15.9% MSCI Islamic16.5% MSCI Islamic M-Series15.9% FTSE Shariah2.9% |
| CRM SALESFORCE INC | COMPLIANT | 0.36% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| ABNB AIRBNB INC | NON_COMPLIANT | 0.36% | AAOIFI2.3% Usmani8.7% Dow Jones Islamic3.1% S&P Shariah3.1% MSCI Islamic8.7% MSCI Islamic M-Series3.1% FTSE Shariah8.6% |
| AVB AVALONBAY COMMUNITIES | NON_COMPLIANT | 0.35% | AAOIFIfail Usmanifail Dow Jones Islamic— S&P Shariah— MSCI Islamicfail MSCI Islamic M-Series— FTSE Shariahfail |
| T AT&T INC | NON_COMPLIANT | 0.35% | AAOIFI92.9% Usmani38.0% Dow Jones Islamic94.4% S&P Shariah107.8% MSCI Islamic38.0% MSCI Islamic M-Series107.8% FTSE Shariah33.6% |
| COLUMBIA PIPELINE HOLDCO | UNSCREENED | 0.34% | no in-house ratios for this holding |
| BACARDI LTD / MARTINI BV | UNSCREENED | 0.34% | no in-house ratios for this holding |
| FITB FIFTH THIRD BANCORP | NON_COMPLIANT | 0.33% | AAOIFI45.0% Usmani7.4% Dow Jones Islamic67.1% S&P Shariah76.4% MSCI Islamic7.4% MSCI Islamic M-Series76.4% FTSE Shariah7.4% |
| US BANCORP | UNSCREENED | 0.33% | no in-house ratios for this holding |
| GEHC GE HEALTHCARE TECH INC | NON_COMPLIANT | 0.32% | AAOIFI34.9% Usmani28.5% Dow Jones Islamic30.2% S&P Shariah30.1% MSCI Islamic28.4% MSCI Islamic M-Series30.1% FTSE Shariah27.3% |
| PM PHILIP MORRIS INTL INC | NON_COMPLIANT | 0.32% | AAOIFI16.1% Usmani66.9% Dow Jones Islamic18.9% S&P Shariah22.1% MSCI Islamic66.9% MSCI Islamic M-Series22.1% FTSE Shariah66.9% |
| PNC FINANCIAL SERVICES | UNSCREENED | 0.32% | no in-house ratios for this holding |
| STELLANTIS FINANCIAL SER | UNSCREENED | 0.32% | no in-house ratios for this holding |
| NFG NATIONAL FUEL GAS CO | NON_COMPLIANT | 0.32% | AAOIFI44.7% Usmani34.1% Dow Jones Islamic50.5% S&P Shariah57.4% MSCI Islamic34.1% MSCI Islamic M-Series57.4% FTSE Shariah34.1% |
| ET ENERGY TRANSFER LP | NON_COMPLIANT | 0.32% | AAOIFI94.8% Usmani47.4% Dow Jones Islamic120.8% S&P Shariah134.5% MSCI Islamic47.4% MSCI Islamic M-Series134.5% FTSE Shariah46.2% |
| ENB.TO ENBRIDGE INC | NON_COMPLIANT | 0.32% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| CVE CENOVUS ENERGY INC | COMPLIANT | 0.32% | AAOIFI13.4% Usmani17.3% Dow Jones Islamic23.2% S&P Shariah23.5% MSCI Islamic17.3% MSCI Islamic M-Series23.5% FTSE Shariah17.3% |
| SUMISHO AIR LEASE CORP | UNSCREENED | 0.31% | no in-house ratios for this holding |
| Honda Auto Receivables Owner Trust | UNSCREENED | 0.31% | no in-house ratios for this holding |
| STLD STEEL DYNAMICS INC | COMPLIANT | 0.31% | AAOIFI12.1% Usmani24.4% Dow Jones Islamic17.6% S&P Shariah18.9% MSCI Islamic24.4% MSCI Islamic M-Series18.9% FTSE Shariah24.4% |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.31% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| MMAF Equipment Finance LLC | UNSCREENED | 0.31% | no in-house ratios for this holding |
| ORA.PA ORANGE SA | NON_COMPLIANT | 0.31% | AAOIFIfail Usmanipass Dow Jones Islamicfail S&P Shariahfail MSCI Islamicpass MSCI Islamic M-Seriesfail FTSE Shariahpass |
| CNH Equipment Trust | UNSCREENED | 0.31% | no in-house ratios for this holding |
| Mercedes-Benz Auto Lease Trust | UNSCREENED | 0.30% | no in-house ratios for this holding |
| MARS INC | UNSCREENED | 0.30% | no in-house ratios for this holding |
| BAC BANK OF AMERICA CORP | NON_COMPLIANT | 0.29% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| PNC FINANCIAL SERVICES | UNSCREENED | 0.29% | no in-house ratios for this holding |
| BLACK HILLS CORP | UNSCREENED | 0.29% | no in-house ratios for this holding |
| GPN GLOBAL PAYMENTS INC | NON_COMPLIANT | 0.29% | AAOIFI95.7% Usmani36.9% Dow Jones Islamic108.0% S&P Shariah96.7% MSCI Islamic36.9% MSCI Islamic M-Series96.7% FTSE Shariah36.9% |
| PENSKE TRUCK LEASING/PTL | UNSCREENED | 0.29% | no in-house ratios for this holding |
| SW.PA SODEXO INC | NON_COMPLIANT | 0.28% | AAOIFI64.9% Usmani40.9% Dow Jones Islamic— S&P Shariah— MSCI Islamic36.5% MSCI Islamic M-Series— FTSE Shariah36.5% |
| META META PLATFORMS INC | QUESTIONABLE | 0.28% | AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6% |
| Federated Core Trust - Federated Bank Loan Core Fund | UNSCREENED | 0.27% | no in-house ratios for this holding |
| Enterprise Fleet Financing LLC | UNSCREENED | 0.27% | no in-house ratios for this holding |
| Bank of America Auto Trust | UNSCREENED | 0.27% | no in-house ratios for this holding |
| AERCAP IRELAND CAP/GLOBA | UNSCREENED | 0.26% | no in-house ratios for this holding |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.26% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| TFC TRUIST FINANCIAL CORP | NON_COMPLIANT | 0.26% | AAOIFI110.7% Usmani12.6% Dow Jones Islamic124.2% S&P Shariah135.1% MSCI Islamic12.6% MSCI Islamic M-Series135.1% FTSE Shariah12.6% |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.26% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| Hyundai Auto Lease Securitization Trust | UNSCREENED | 0.25% | no in-house ratios for this holding |
| FIFTH THIRD FINANCL CORP | UNSCREENED | 0.25% | no in-house ratios for this holding |
| BA BOEING CO/THE | NON_COMPLIANT | 0.25% | AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2% |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.24% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| APP APPLOVIN CORP | COMPLIANT | 0.24% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| TFC TRUIST FINANCIAL CORP | NON_COMPLIANT | 0.24% | AAOIFI110.7% Usmani12.6% Dow Jones Islamic124.2% S&P Shariah135.1% MSCI Islamic12.6% MSCI Islamic M-Series135.1% FTSE Shariah12.6% |
| JEF JEFFERIES FIN GROUP INC | NON_COMPLIANT | 0.24% | AAOIFI155.4% Usmani25.1% Dow Jones Islamic171.6% S&P Shariah188.8% MSCI Islamic25.1% MSCI Islamic M-Series188.8% FTSE Shariah25.1% |
| HP ENTERPRISE CO | UNSCREENED | 0.24% | no in-house ratios for this holding |
| World Omni Auto Receivables Trust | UNSCREENED | 0.24% | no in-house ratios for this holding |
| META META PLATFORMS INC | QUESTIONABLE | 0.22% | AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6% |
| Enterprise Fleet Financing LLC | UNSCREENED | 0.22% | no in-house ratios for this holding |
| MTB M&T BANK CORPORATION | NON_COMPLIANT | 0.21% | AAOIFI52.5% Usmani8.3% Dow Jones Islamic59.6% S&P Shariah66.0% MSCI Islamic8.3% MSCI Islamic M-Series66.0% FTSE Shariah8.3% |
| CLX CLOROX COMPANY | NON_COMPLIANT | 0.21% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| ALLY ALLY FINANCIAL INC | NON_COMPLIANT | 0.21% | AAOIFI128.2% Usmani8.5% Dow Jones Islamic145.1% S&P Shariah153.2% MSCI Islamic8.5% MSCI Islamic M-Series153.2% FTSE Shariah8.5% |
| MCHP MICROCHIP TECHNOLOGY INC | COMPLIANT | 0.21% | AAOIFI13.8% Usmani38.2% Dow Jones Islamic15.3% S&P Shariah14.3% MSCI Islamic38.2% MSCI Islamic M-Series14.3% FTSE Shariah37.2% |
| CNC CENTENE CORP | NON_COMPLIANT | 0.21% | AAOIFI50.5% Usmani19.4% Dow Jones Islamic62.6% S&P Shariah53.4% MSCI Islamic19.4% MSCI Islamic M-Series53.4% FTSE Shariah19.4% |
| TRGP TARGA RESOURCES CORP | NON_COMPLIANT | 0.21% | AAOIFI31.5% Usmani71.4% Dow Jones Islamic46.4% S&P Shariah55.1% MSCI Islamic68.7% MSCI Islamic M-Series55.1% FTSE Shariah68.7% |
| Volvo Financial Equipment LLC | UNSCREENED | 0.21% | no in-house ratios for this holding |
| BAT INTL FINANCE PLC | UNSCREENED | 0.21% | no in-house ratios for this holding |
| DLLMT LLC | UNSCREENED | 0.20% | no in-house ratios for this holding |
| EMERA US FINANCE LLC | UNSCREENED | 0.20% | no in-house ratios for this holding |
| GEV GE VERNOVA INC | COMPLIANT | 0.20% | AAOIFI1.1% Usmani3.5% Dow Jones Islamic1.7% S&P Shariah2.0% MSCI Islamic3.5% MSCI Islamic M-Series2.0% FTSE Shariah3.5% |
| PINNACLE FINANCIAL PARTN | UNSCREENED | 0.20% | no in-house ratios for this holding |
| MMAF Equipment Finance LLC | UNSCREENED | 0.20% | no in-house ratios for this holding |
| LEIDOS INC | UNSCREENED | 0.20% | no in-house ratios for this holding |
| PINNACLE FINANCL PARTNRS | UNSCREENED | 0.19% | no in-house ratios for this holding |
| AUGUSTA SPINCO CORPORATI | UNSCREENED | 0.19% | no in-house ratios for this holding |
| GLENCORE FUNDING LLC | UNSCREENED | 0.19% | no in-house ratios for this holding |
| NG.L NATIONAL GRID PLC | NON_COMPLIANT | 0.18% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| WFC WELLS FARGO & COMPANY | NON_COMPLIANT | 0.18% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| Porsche Innovative Lease Owner Trust | UNSCREENED | 0.18% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.18% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| ES EVERSOURCE ENERGY | NON_COMPLIANT | 0.18% | AAOIFI108.8% Usmani45.9% Dow Jones Islamic122.9% S&P Shariah132.3% MSCI Islamic45.9% MSCI Islamic M-Series132.3% FTSE Shariah45.9% |
| RSG REPUBLIC SERVICES INC | COMPLIANT | 0.17% | AAOIFI21.1% Usmani40.7% Dow Jones Islamic21.0% S&P Shariah22.6% MSCI Islamic40.7% MSCI Islamic M-Series22.6% FTSE Shariah40.0% |
| CVS CVS HEALTH CORP | NON_COMPLIANT | 0.17% | AAOIFI61.7% Usmani30.1% Dow Jones Islamic84.9% S&P Shariah88.7% MSCI Islamic30.1% MSCI Islamic M-Series88.7% FTSE Shariah24.2% |
| Honda Auto Receivables Owner Trust | UNSCREENED | 0.17% | no in-house ratios for this holding |
| GXO GXO LOGISTICS INC | NON_COMPLIANT | 0.16% | AAOIFI110.4% Usmani53.3% Dow Jones Islamic105.4% S&P Shariah102.0% MSCI Islamic49.5% MSCI Islamic M-Series102.0% FTSE Shariah25.9% |
| ELECTRICITE DE FRANCE SA | UNSCREENED | 0.16% | no in-house ratios for this holding |
| BP CAP MARKETS AMERICA | UNSCREENED | 0.16% | no in-house ratios for this holding |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.16% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| World Omni Auto Receivables Trust | UNSCREENED | 0.16% | no in-house ratios for this holding |
| GOOG ALPHABET INC | QUESTIONABLE | 0.16% | AAOIFI2.9% Usmani13.1% Dow Jones Islamic3.9% S&P Shariah4.5% MSCI Islamic12.8% MSCI Islamic M-Series4.5% FTSE Shariah10.9% |
| TMUS T-MOBILE USA INC | NON_COMPLIANT | 0.15% | AAOIFI18.0% Usmani17.5% Dow Jones Islamic14.6% S&P Shariah15.9% MSCI Islamic16.5% MSCI Islamic M-Series15.9% FTSE Shariah2.9% |
| FANG DIAMONDBACK ENERGY INC | COMPLIANT | 0.15% | AAOIFI22.6% Usmani18.0% Dow Jones Islamic28.3% S&P Shariah31.9% MSCI Islamic18.0% MSCI Islamic M-Series31.9% FTSE Shariah18.0% |
| Mercedes-Benz Auto Lease Trust | UNSCREENED | 0.15% | no in-house ratios for this holding |
| AXP AMERICAN EXPRESS CO | NON_COMPLIANT | 0.15% | AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2% |
| GE GENERAL ELECTRIC CO | NON_COMPLIANT | 0.15% | AAOIFI6.1% Usmani16.1% Dow Jones Islamic7.4% S&P Shariah8.6% MSCI Islamic16.1% MSCI Islamic M-Series8.6% FTSE Shariah15.3% |
| ET ENERGY TRANSFER LP | NON_COMPLIANT | 0.15% | AAOIFI94.8% Usmani47.4% Dow Jones Islamic120.8% S&P Shariah134.5% MSCI Islamic47.4% MSCI Islamic M-Series134.5% FTSE Shariah46.2% |
| FIDELITY NATL INFO SERV | UNSCREENED | 0.14% | no in-house ratios for this holding |
| DUK DUKE ENERGY CORP | NON_COMPLIANT | 0.14% | AAOIFI95.1% Usmani45.3% Dow Jones Islamic98.9% S&P Shariah107.5% MSCI Islamic45.0% MSCI Islamic M-Series107.5% FTSE Shariah44.4% |
| HYUNDAI CAPITAL AMERICA | UNSCREENED | 0.13% | no in-house ratios for this holding |
| HONA HONEYWELL AEROSPACE INC | COMPLIANT | 0.13% | AAOIFI32.8% Usmani83.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic83.4% MSCI Islamic M-Seriespass FTSE Shariah81.8% |
| AERCAP IRELAND CAP/GLOBA | UNSCREENED | 0.12% | no in-house ratios for this holding |
| AIRCASTLE / IRELAND DAC | UNSCREENED | 0.12% | no in-house ratios for this holding |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.12% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| AXP AMERICAN EXPRESS CO | NON_COMPLIANT | 0.11% | AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2% |
| SOUTHERN POWER CO | UNSCREENED | 0.11% | no in-house ratios for this holding |
| NBN CO LTD | UNSCREENED | 0.11% | no in-house ratios for this holding |
| DLLST LLC | UNSCREENED | 0.10% | no in-house ratios for this holding |
| BENCHMARK Mortgage Trust | UNSCREENED | 0.10% | no in-house ratios for this holding |
| HCA INC | UNSCREENED | 0.10% | no in-house ratios for this holding |
| FITB FIFTH THIRD BANCORP | NON_COMPLIANT | 0.09% | AAOIFI45.0% Usmani7.4% Dow Jones Islamic67.1% S&P Shariah76.4% MSCI Islamic7.4% MSCI Islamic M-Series76.4% FTSE Shariah7.4% |
| INTC INTEL CORP | COMPLIANT | 0.09% | AAOIFI9.2% Usmani25.0% Dow Jones Islamic23.9% S&P Shariah26.3% MSCI Islamic25.0% MSCI Islamic M-Series26.3% FTSE Shariah25.0% |
| SWKS SKYWORKS SOLUTIONS INC | COMPLIANT | 0.08% | AAOIFI6.0% Usmani9.2% Dow Jones Islamic6.4% S&P Shariah5.6% MSCI Islamic9.2% MSCI Islamic M-Series5.6% FTSE Shariah6.7% |
| SOLV SOLVENTUM CORP | NON_COMPLIANT | 0.08% | AAOIFI32.5% Usmani37.1% Dow Jones Islamic39.6% S&P Shariah41.1% MSCI Islamic35.7% MSCI Islamic M-Series41.1% FTSE Shariah35.7% |
| UBER UBER TECHNOLOGIES INC | COMPLIANT | 0.08% | AAOIFI9.5% Usmani22.4% Dow Jones Islamic8.9% S&P Shariah9.6% MSCI Islamic22.4% MSCI Islamic M-Series9.6% FTSE Shariah19.3% |
| Fannie Mae | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| AEP AMERICAN ELECTRIC POWER | NON_COMPLIANT | 0.07% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Navient Student Loan Trust | UNSCREENED | 0.07% | no in-house ratios for this holding |
| Navient Student Loan Trust | UNSCREENED | 0.07% | no in-house ratios for this holding |
| Honda Auto Receivables Owner Trust | UNSCREENED | 0.06% | no in-house ratios for this holding |
| Fannie Mae | NON_COMPLIANT | 0.04% | no in-house ratios for this holding |
| MMAF Equipment Finance LLC | UNSCREENED | 0.01% | no in-house ratios for this holding |
| Chicago Board of Trade | UNSCREENED | 0.01% | no in-house ratios for this holding |
| TEXTRON FINANCIAL CORP | UNSCREENED | 0.01% | no in-house ratios for this holding |
| Chicago Board of Trade | UNSCREENED | 0.01% | no in-house ratios for this holding |
| Freddie Mac | NON_COMPLIANT | 0.00% | no in-house ratios for this holding |
| Chicago Board of Trade | UNSCREENED | 0.00% | no in-house ratios for this holding |
The published standards disagree about this fund by 1 points of portfolio weight — 6.7% of it passes Dow Jones Islamic, 5.5% passes AAOIFI. Which number is yours depends on which standard you follow.
These bars are the financial-ratio result under each standard — debt, receivables and interest income. They do not screen what the business does, so a holding can pass every ratio here and still be questionable or non-compliant on activity. The blended verdict above accounts for both.
ratios pass on 5.5% ratios fail on 11.8% 82.8% not rated under AAOIFI
ratios pass on 5.7% ratios fail on 9.2% 85.2% not rated under Usmani
ratios pass on 6.7% ratios fail on 10.0% 83.4% not rated under Dow Jones Islamic
ratios pass on 6.0% ratios fail on 10.3% 83.8% not rated under S&P Shariah
ratios pass on 5.8% ratios fail on 9.0% 85.4% not rated under MSCI Islamic
ratios pass on 6.0% ratios fail on 10.3% 83.8% not rated under MSCI Islamic M-Series
ratios pass on 6.1% ratios fail on 8.8% 85.2% not rated under FTSE Shariah
62 of 171 listed holdings carry our own per-methodology verdicts (19% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 52 (16% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.
| Non-compliant holding | Weight |
|---|---|
| United States Treasury | 8.46% |
| United States Treasury | 5.14% |
| United States Treasury | 5.09% |
| United States Treasury | 4.73% |
| United States Treasury | 3.87% |
| United States Treasury | 3.78% |
| United States Treasury | 3.20% |
| United States Treasury | 1.59% |
| United States Treasury | 1.57% |
| United States Treasury | 1.57% |
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
Federated Hermes Short-Intermediate Total Return Bond Fund (FGCIX) is currently considered not halal (non-compliant), per our own look-through to its filed holdings. See its filed holdings and the weight breakdown below for the reasoning.
HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A holding it cannot cover far enough is reported as unrated rather than counted as a pass.
| Holding | Weight | Verdict |
|---|---|---|
| United States Treasurynot matched to a ticker | 8.46% | Non-compliant |
| Federated Core Trust III - Federated Project and Trade Finance Core Fundnot matched to a ticker | 7.76% | Not screened |
| United States Treasurynot matched to a ticker | 5.14% | Non-compliant |
| United States Treasurynot matched to a ticker | 5.09% | Non-compliant |
| United States Treasurynot matched to a ticker | 4.73% | Non-compliant |
| United States Treasurynot matched to a ticker | 3.87% | Non-compliant |
| United States Treasurynot matched to a ticker | 3.78% | Non-compliant |
| United States Treasurynot matched to a ticker | 3.20% | Non-compliant |
| PRUDENTIAL QMA STRAT VAL-not matched to a ticker | 2.60% | Not screened |
| FEDERATED HERMES MONEY MARKET OBLIGATIONS TRUSTnot matched to a ticker | 2.20% | Not screened |
Top 10 of 171 holdings, 46.8% of the fund by weight. Every holding is screened, not only these.
The positions keeping this fund short of 100% compliant by weight.
Verdict history for FGCIX. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.
ℹ️ no compliance scan has run for 2 days - this is not a reading of today
Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset
This fund prices once a day, so its bars carry no intraday high or low — floor-trader pivots are not defined for it.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally below. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 39.20 | NEUTRAL |
| Stochastic %K (14) | 33.33 | NEUTRAL |
| CCI (20) | -25.21 | NEUTRAL |
| Williams %R (14) | -66.67 | NEUTRAL |
| MACD (12,26,9) | 0.00 | BUY |
| ROC (10) | 0.00 | NEUTRAL |
| Momentum (10) | 0.00 | NEUTRAL |
| EMA (10) | 9.91 | BUY |
| SMA (10) | 9.90 | BUY |
| EMA (20) | 9.92 | SELL |
| SMA (20) | 9.92 | SELL |
| EMA (30) | 9.94 | SELL |
| SMA (30) | 9.95 | SELL |
| EMA (50) | 9.96 | SELL |
| SMA (50) | 9.98 | SELL |
| EMA (100) | 9.97 | SELL |
| SMA (100) | 9.98 | SELL |
| EMA (200) | 9.96 | SELL |
| SMA (200) | 9.97 | SELL |
Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.
The questions worth asking about any verdict on this page, answered plainly.
No. HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A fund marketed as Islamic still gets the same look-through as any other.
It is the share of the fund whose holdings HTR cannot cover far enough to rate. It is reported as unrated rather than counted as compliant, because a holding nobody screened should not look like one that passed.
It matters, and it is noted, but it does not replace the look-through. The board's judgement and the holdings screen are shown separately so you can see when they agree and when they do not.
When the fund files new holdings, and on a rolling basis besides. The date on the verdict above is the last time this fund was actually recomputed.
Open research, not a fatwa. HTR applies published screening standards to filings and publishes what they say, including when they disagree. Nothing here is financial advice or a recommendation to buy or sell. Verdicts can change when new filings land.
Same screen, different answers. Comparison is where the standards disagreeing becomes useful rather than confusing.
Peer screening computing — it will appear here on its own.
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.