Verdicts genuinely change. Free email alert the moment IBAFX'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.
Intermediate Bond Fund of America
3,127 holdings
This fund holds short positions, so exposure is counted gross — long and short both count as exposure rather than netting off, and the weights below therefore sum to 105% of net assets rather than 100%. Shares of the portfolio are shown as shares of that gross exposure.
NON-COMPLIANT At least 53.87% of portfolio weight is in non-compliant holdings — already over the 5% threshold, so the verdict is settled whatever the unmatched 47% turns out to be. Matching more holdings can only raise this share, never lower it.
39.28% 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.
3,127 holdings, 1,620 matched (55% of weight). Portfolio as of 2026-05-31, filed 2026-07-29. Source: SEC Form N-PORT.
5.89% of this portfolio’s income is non-permissible — weighted across holdings, computed over 9% of portfolio weight (299 of 3127 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 |
|---|---|---|---|
| CAPITAL GROUP CENTRAL CASH FUND | UNSCREENED | 12.34% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 2.64% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 2.32% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 2.16% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 1.93% | no in-house ratios for this holding |
| UNIFORM MBS | NON_COMPLIANT | 1.17% | no in-house ratios for this holding |
| UNIFORM MBS | NON_COMPLIANT | 1.15% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 1.07% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.97% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.85% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.79% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.74% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.72% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.71% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.70% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.69% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.69% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.66% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.61% | no in-house ratios for this holding |
| UNIFORM MBS | NON_COMPLIANT | 0.58% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.55% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.48% | no in-house ratios for this holding |
| NEW ECONOMY ASSETS - PHASE I ISSUER LLC USRE_21-1 | UNSCREENED | 0.47% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.46% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.41% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.37% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.36% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.32% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.29% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.27% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.27% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.26% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.25% | no in-house ratios for this holding |
| UNIFORM MBS | NON_COMPLIANT | 0.24% | no in-house ratios for this holding |
| CITIGROUP COMMERCIAL MORTGAGE TRUST CGCMT_23-SMRT | UNSCREENED | 0.24% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.22% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.21% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.21% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.21% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.21% | no in-house ratios for this holding |
| RCL ROYAL CARIBBEAN CRUISES LTD | NON_COMPLIANT | 0.20% | AAOIFI33.1% Usmani52.7% Dow Jones Islamic32.9% S&P Shariah40.4% MSCI Islamic52.7% MSCI Islamic M-Series40.4% FTSE Shariah51.2% |
| UNIFORM MBS | NON_COMPLIANT | 0.20% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.20% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.19% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.18% | no in-house ratios for this holding |
| STORAGEMART COMMERCIAL MORTGAGE TRUST SMRT_22-MINI | UNSCREENED | 0.18% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.18% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.18% | no in-house ratios for this holding |
| BX 2025-ARIA | UNSCREENED | 0.18% | no in-house ratios for this holding |
| UNIFORM MBS | NON_COMPLIANT | 0.18% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.18% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.17% | no in-house ratios for this holding |
| GOLDMAN SACHS BANK USA | UNSCREENED | 0.17% | no in-house ratios for this holding |
| TOTALENERGIES CAPITAL USA LLC | UNSCREENED | 0.17% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.17% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.17% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.17% | no in-house ratios for this holding |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.17% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.16% | no in-house ratios for this holding |
| FREDDIE MAC MULTIFAMILY STRUCTURED PASS THROUGH FHMS_K751 | NON_COMPLIANT | 0.16% | no in-house ratios for this holding |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.15% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| FORD CREDIT FLOORPLAN MASTER OWNER TRUST FORDF_25-2 | UNSCREENED | 0.15% | no in-house ratios for this holding |
| CASTLELAKE AIRCRAFT STRUCTURED TRUST 2026-2 | UNSCREENED | 0.15% | no in-house ratios for this holding |
| CF HIPPOLYTA ISSUER LLC SORT_22-1 | UNSCREENED | 0.15% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.15% | no in-house ratios for this holding |
| BX 2025-VOLT | UNSCREENED | 0.15% | no in-house ratios for this holding |
| MERIT 2026-1A | UNSCREENED | 0.14% | no in-house ratios for this holding |
| CF HIPPOLYTA ISSUER LLC SORT_20-1 | UNSCREENED | 0.14% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.14% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.14% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.14% | no in-house ratios for this holding |
| FORD CREDIT AUTO OWNER TRUST FORDR_23-2 | UNSCREENED | 0.14% | no in-house ratios for this holding |
| FORD CREDIT FLOORPLAN MASTER OWNER TRUST FORDF_24-1 | UNSCREENED | 0.14% | no in-house ratios for this holding |
| GINNIE MAE II POOL | NON_COMPLIANT | 0.14% | no in-house ratios for this holding |
| UNIFORM MBS | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| AVIS BUDGET RENTAL CAR FUNDING AESOP_23-5 | UNSCREENED | 0.13% | no in-house ratios for this holding |
| AMZN AMAZON.COM INC | QUESTIONABLE | 0.13% | AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1% |
| AXP AMERICAN EXPRESS CO | NON_COMPLIANT | 0.13% | AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2% |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.13% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| HERTZ VEHICLE FINANCING LLC HERTZ_21-2 | UNSCREENED | 0.13% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| ALTDE 2026-1A | UNSCREENED | 0.13% | no in-house ratios for this holding |
| GALC 2025-1 | UNSCREENED | 0.13% | no in-house ratios for this holding |
| AMZN AMAZON.COM INC | QUESTIONABLE | 0.13% | AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1% |
| GINNIE MAE II POOL | NON_COMPLIANT | 0.13% | no in-house ratios for this holding |
| PACIFICORP | UNSCREENED | 0.13% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.12% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| OHS 2026-1A | UNSCREENED | 0.12% | no in-house ratios for this holding |
| BARCLAYS DRYROCK ISSUANCE TRUST DROCK_25-1 | UNSCREENED | 0.12% | no in-house ratios for this holding |
| EXTENDED STAY AMERICA TRUST 2025-ESH | UNSCREENED | 0.12% | no in-house ratios for this holding |
| POSH 2025-2 | UNSCREENED | 0.12% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| UNIFORM MBS | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| STELLANTIS FINANCIAL SERVICES US CORP | UNSCREENED | 0.12% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.12% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| CF HIPPOLYTA ISSUER LLC SORT_21-1 | UNSCREENED | 0.12% | no in-house ratios for this holding |
| RD MICHIGAN PROPERTY OWNER I LLC | UNSCREENED | 0.12% | no in-house ratios for this holding |
| AVCCT 2024-2A | UNSCREENED | 0.12% | no in-house ratios for this holding |
| META META PLATFORMS INC | QUESTIONABLE | 0.12% | AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6% |
| GINNIE MAE II POOL | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.12% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.12% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| ABBV ABBVIE INC | COMPLIANT | 0.12% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.11% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.11% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| WESTLAKE FLOORING MASTER TRUST WFLOOR_25-1 | UNSCREENED | 0.11% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.11% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| 2222.SR SAUDI ARABIAN OIL CO | COMPLIANT | 0.11% | AAOIFI5.8% Usmani16.9% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic14.2% MSCI Islamic M-Seriespass FTSE Shariah14.2% |
| KINGDOM OF SAUDI ARABIA | UNSCREENED | 0.11% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.11% | no in-house ratios for this holding |
| TMUS T-MOBILE USA INC | NON_COMPLIANT | 0.11% | AAOIFI18.0% Usmani17.5% Dow Jones Islamic14.6% S&P Shariah15.9% MSCI Islamic16.5% MSCI Islamic M-Series15.9% FTSE Shariah2.9% |
| HSBA.L HSBC HOLDINGS PLC | NON_COMPLIANT | 0.11% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| MORGAN STANLEY PRIVATE BANK NA | UNSCREENED | 0.11% | no in-house ratios for this holding |
| BAC BANK OF AMERICA CORP | NON_COMPLIANT | 0.11% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| ONTARIO TEACHERS FINANCE TRUST | UNSCREENED | 0.11% | no in-house ratios for this holding |
| AMGN AMGEN INC | COMPLIANT | 0.11% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| CLAST 2025-3A | UNSCREENED | 0.11% | no in-house ratios for this holding |
| ECL ECOLAB INC | COMPLIANT | 0.11% | AAOIFI17.0% Usmani44.6% Dow Jones Islamic18.1% S&P Shariah19.4% MSCI Islamic44.6% MSCI Islamic M-Series19.4% FTSE Shariah44.0% |
| SDART 2025-4 | UNSCREENED | 0.11% | no in-house ratios for this holding |
| MARS INC | UNSCREENED | 0.11% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.11% | no in-house ratios for this holding |
| FCBSL 2023-3A | UNSCREENED | 0.11% | no in-house ratios for this holding |
| ABBV ABBVIE INC | COMPLIANT | 0.11% | AAOIFIpass Usmanifail Dow Jones Islamicpass S&P Shariahpass MSCI Islamicfail MSCI Islamic M-Seriespass FTSE Shariahfail |
| ENTERPRISE FLEET FINANCING 2025-4 LLC | UNSCREENED | 0.10% | no in-house ratios for this holding |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.10% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| ENTERPRISE FLEET FINANCING 2025-4 LLC | UNSCREENED | 0.10% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| FORD MOTOR CREDIT COMPANY LLC | UNSCREENED | 0.10% | no in-house ratios for this holding |
| OBX 2025-NQM12 | UNSCREENED | 0.10% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| FORD CREDIT FLOORPLAN MASTER OWNER TRUST FORDF_24-3 | UNSCREENED | 0.10% | no in-house ratios for this holding |
| CIM TRUST CIM_22-R2 | UNSCREENED | 0.10% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.10% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| ABT ABBOTT LABORATORIES | COMPLIANT | 0.10% | AAOIFI19.2% Usmani31.9% Dow Jones Islamic17.6% S&P Shariah18.3% MSCI Islamic31.9% MSCI Islamic M-Series18.3% FTSE Shariah30.8% |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.10% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| COF CAPITAL ONE FINANCIAL CORP | NON_COMPLIANT | 0.10% | AAOIFI38.5% Usmani7.6% Dow Jones Islamic49.3% S&P Shariah60.5% MSCI Islamic7.6% MSCI Islamic M-Series60.5% FTSE Shariah7.6% |
| HY 2025-SPRL | UNSCREENED | 0.10% | no in-house ratios for this holding |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.10% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| HFMOT 2025-1A | UNSCREENED | 0.10% | no in-house ratios for this holding |
| TACLN 2025-1 | UNSCREENED | 0.10% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| PACIFICORP | UNSCREENED | 0.10% | no in-house ratios for this holding |
| CANADIAN PACIFIC RAILWAY CO | UNSCREENED | 0.10% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.10% | no in-house ratios for this holding |
| CRBG COREBRIDGE FINANCIAL INC | NON_COMPLIANT | 0.09% | AAOIFI8.3% Usmani0.3% Dow Jones Islamic8.0% S&P Shariah8.2% MSCI Islamic0.3% MSCI Islamic M-Series8.2% FTSE Shariah0.3% |
| BAT CAPITAL CORP | UNSCREENED | 0.09% | no in-house ratios for this holding |
| ARES 2019-53A | UNSCREENED | 0.09% | no in-house ratios for this holding |
| RISKLESS ISSUER | UNSCREENED | 0.09% | no in-house ratios for this holding |
| WFC WELLS FARGO & CO | NON_COMPLIANT | 0.09% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.09% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| WFC WELLS FARGO & CO | NON_COMPLIANT | 0.09% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.09% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| WELPP WISCONSIN ELECTRIC POWER COMPANY | NON_COMPLIANT | 0.09% | AAOIFI267.5% Usmani40.4% Dow Jones Islamic272.8% S&P Shariah284.0% MSCI Islamic26.8% MSCI Islamic M-Series284.0% FTSE Shariah26.8% |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| HONA HONEYWELL AEROSPACE INC | COMPLIANT | 0.09% | AAOIFI32.8% Usmani83.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic83.4% MSCI Islamic M-Seriespass FTSE Shariah81.8% |
| NELNET STUDENT LOAN TRUST NSLT_21-B | UNSCREENED | 0.09% | no in-house ratios for this holding |
| APOLLO AVIATION SECURITIZATION EQUITY TRUST AASET_25-3 | UNSCREENED | 0.09% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.09% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| LPATH 2026-1A | UNSCREENED | 0.09% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.09% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| ACAR 2025-4 | UNSCREENED | 0.09% | no in-house ratios for this holding |
| META META PLATFORMS INC | QUESTIONABLE | 0.09% | AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6% |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| SYNCHRONY CARD ISSUANCE TRUST SYNIT_25-A3 | UNSCREENED | 0.09% | no in-house ratios for this holding |
| SFO COMMERICAL MORTGAGE TRUST SFO_21-555 | UNSCREENED | 0.09% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.09% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| GLOBAL SC FINANCE SRL SEACO_21-1A | UNSCREENED | 0.09% | no in-house ratios for this holding |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.09% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| CVS CVS HEALTH CORP | NON_COMPLIANT | 0.08% | AAOIFI61.7% Usmani30.1% Dow Jones Islamic84.9% S&P Shariah88.7% MSCI Islamic30.1% MSCI Islamic M-Series88.7% FTSE Shariah24.2% |
| HSBA.L HSBC HOLDINGS PLC | NON_COMPLIANT | 0.08% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| UNITED STATES TREASURY | NON_COMPLIANT | 0.08% | no in-house ratios for this holding |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.08% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| DEUTSCHE BANK AG (NEW YORK BRANCH) | UNSCREENED | 0.08% | no in-house ratios for this holding |
| GS GOLDMAN SACHS GROUP INC | NON_COMPLIANT | 0.08% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| DUKE ENERGY FLORIDA LLC | UNSCREENED | 0.08% | no in-house ratios for this holding |
| CIFC 2023-2A | UNSCREENED | 0.08% | no in-house ratios for this holding |
| HERTZ VEHICLE FINANCING IV LLC HERTZ_25-4 | UNSCREENED | 0.08% | no in-house ratios for this holding |
| BALLYROCK LTD BALLY_22-20A | UNSCREENED | 0.08% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.08% | no in-house ratios for this holding |
| PAID 2026-R1 | UNSCREENED | 0.08% | no in-house ratios for this holding |
| VZMT 2026-1 | UNSCREENED | 0.08% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.08% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| SABEY DATA CENTER ISSUER LLC | UNSCREENED | 0.08% | no in-house ratios for this holding |
| ONTARIO TEACHERS FINANCE TRUST | UNSCREENED | 0.08% | no in-house ratios for this holding |
| LLY ELI LILLY AND CO | COMPLIANT | 0.08% | AAOIFI5.2% Usmani38.6% Dow Jones Islamic6.4% S&P Shariah6.9% MSCI Islamic38.6% MSCI Islamic M-Series6.9% FTSE Shariah38.6% |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.08% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.08% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| AMZN AMAZON.COM INC | QUESTIONABLE | 0.08% | AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1% |
| SLAM 2026-1A | UNSCREENED | 0.08% | no in-house ratios for this holding |
| MMAF 2025-B | UNSCREENED | 0.08% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.08% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| APARK 2025-A | UNSCREENED | 0.08% | no in-house ratios for this holding |
| HACLN 2026-1 | UNSCREENED | 0.08% | no in-house ratios for this holding |
| FORD MOTOR CREDIT COMPANY LLC | UNSCREENED | 0.08% | no in-house ratios for this holding |
| UNIFORM MBS | NON_COMPLIANT | 0.08% | no in-house ratios for this holding |
| TRITON CONTAINER FINANCE LLC TCF_20-1 | UNSCREENED | 0.08% | no in-house ratios for this holding |
| ZAYO ISSUER LLC ZAYO_26-1 | UNSCREENED | 0.08% | no in-house ratios for this holding |
| META META PLATFORMS INC | QUESTIONABLE | 0.08% | AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6% |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.08% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| JPM JPMORGAN CHASE & CO | NON_COMPLIANT | 0.08% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| WLAKE 2026-1A | UNSCREENED | 0.08% | no in-house ratios for this holding |
| BX 2024-BIO2 | UNSCREENED | 0.08% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.08% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| GGAMMT 2025-1A | UNSCREENED | 0.08% | no in-house ratios for this holding |
| WFNMT 2024-B | UNSCREENED | 0.08% | no in-house ratios for this holding |
| TEXTAINER MARINE CONTAINERS VII LTD TMCL_21-2 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| ASPIRE MORTGAGE TRUST 2026-2 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| AFFIRM MASTER TRUST AFRMT_26-2 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| BX 2024-AIRC | UNSCREENED | 0.07% | no in-house ratios for this holding |
| FORD MOTOR CREDIT COMPANY LLC | UNSCREENED | 0.07% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| FLATIRON CLO 28 LTD FLAT_24-1A | UNSCREENED | 0.07% | no in-house ratios for this holding |
| CONNECTICUT AVENUE SECURITIES TRUST CAS_25-R06 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| OBX 2025-NQM19 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| FREDDIE MAC - SLST SLST_19-2 | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| HYUNDAI CAPITAL AMERICA | UNSCREENED | 0.07% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| GOOG ALPHABET INC | QUESTIONABLE | 0.07% | AAOIFI2.9% Usmani13.1% Dow Jones Islamic3.9% S&P Shariah4.5% MSCI Islamic12.8% MSCI Islamic M-Series4.5% FTSE Shariah10.9% |
| SYNCHRONY CARD ISSUANCE TRUST SYNIT_23-A1 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| FASST 2025-PC1 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| SUBWAY FUNDING LLC SUBWAY_24-3 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| DEUTSCHE BANK AG (NEW YORK BRANCH) | UNSCREENED | 0.07% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.07% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.07% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| PNC PNC FINANCIAL SERVICES GROUP INC | NON_COMPLIANT | 0.07% | AAOIFI87.5% Usmani13.9% Dow Jones Islamic110.0% S&P Shariah122.6% MSCI Islamic13.9% MSCI Islamic M-Series122.6% FTSE Shariah13.9% |
| ONDECK ASSET SECURITIZATION TRUST LLC ONDK_24-1 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| STACR 2024-DNA2 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| TRICON RESIDENTIAL TCN_21-SFR1 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| VERIZON MASTER TRUST VZMT_24-3 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| PAID 2025-R3 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| UNIFORM MBS | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| PRNT 2025-A | UNSCREENED | 0.07% | no in-house ratios for this holding |
| GENERAL MOTORS FINANCIAL CO INC | UNSCREENED | 0.07% | no in-house ratios for this holding |
| VZ VERIZON COMMUNICATIONS INC | NON_COMPLIANT | 0.07% | AAOIFI98.4% Usmani45.9% Dow Jones Islamic109.0% S&P Shariah116.8% MSCI Islamic45.9% MSCI Islamic M-Series116.8% FTSE Shariah40.3% |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.07% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| UNIFORM MBS | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| GINNIE MAE II POOL | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| TCN 2026-SFR1 | UNSCREENED | 0.07% | no in-house ratios for this holding |
| MERCURY FINANCIAL CREDIT CARD MASTER TRUST | UNSCREENED | 0.07% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.07% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| WFC WELLS FARGO & CO | NON_COMPLIANT | 0.07% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| TAKEDA US FINANCING INC | UNSCREENED | 0.07% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
The published standards disagree about this fund by 2 points of portfolio weight — 5.5% of it passes Dow Jones Islamic, 3.1% passes MSCI Islamic. 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 4.7% ratios fail on 13.0% 87.5% not rated under AAOIFI
ratios pass on 3.3% ratios fail on 12.2% 89.7% not rated under Usmani
ratios pass on 5.5% ratios fail on 12.2% 87.5% not rated under Dow Jones Islamic
ratios pass on 4.6% ratios fail on 12.9% 87.7% not rated under S&P Shariah
ratios pass on 3.1% ratios fail on 12.2% 89.9% not rated under MSCI Islamic
ratios pass on 4.6% ratios fail on 13.1% 87.5% not rated under MSCI Islamic M-Series
ratios pass on 3.5% ratios fail on 11.9% 89.7% not rated under FTSE Shariah
136 of 3,127 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, 106 (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 | 2.64% |
| UNITED STATES TREASURY | 2.32% |
| UNITED STATES TREASURY | 2.16% |
| UNITED STATES TREASURY | 1.93% |
| UNIFORM MBS | 1.17% |
| UNIFORM MBS | 1.15% |
| UNITED STATES TREASURY | 1.07% |
| UNITED STATES TREASURY | 0.97% |
| UNITED STATES TREASURY | 0.85% |
| UNITED STATES TREASURY | 0.79% |
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
Intermediate Bond Fund of America (IBAFX) 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 |
|---|---|---|
| CAPITAL GROUP CENTRAL CASH FUNDnot matched to a ticker | 12.34% | Not screened |
| UNITED STATES TREASURYnot matched to a ticker | 2.64% | Non-compliant |
| UNITED STATES TREASURYnot matched to a ticker | 2.32% | Non-compliant |
| UNITED STATES TREASURYnot matched to a ticker | 2.16% | Non-compliant |
| UNITED STATES TREASURYnot matched to a ticker | 1.93% | Non-compliant |
| UNIFORM MBSnot matched to a ticker | 1.17% | Non-compliant |
| UNIFORM MBSnot matched to a ticker | 1.15% | Non-compliant |
| UNITED STATES TREASURYnot matched to a ticker | 1.07% | Non-compliant |
| UNITED STATES TREASURYnot matched to a ticker | 0.97% | Non-compliant |
| UNITED STATES TREASURYnot matched to a ticker | 0.85% | Non-compliant |
Top 10 of 3127 holdings, 26.6% 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 IBAFX. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.
Tracked since 2026-09-07.
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) | 43.70 | NEUTRAL |
| Stochastic %K (14) | 56.35 | NEUTRAL |
| CCI (20) | -4.47 | NEUTRAL |
| Williams %R (14) | -43.65 | NEUTRAL |
| MACD (12,26,9) | 0.01 | BUY |
| ROC (10) | 0.19 | BUY |
| Momentum (10) | 0.02 | BUY |
| EMA (10) | 12.15 | BUY |
| SMA (10) | 12.14 | BUY |
| EMA (20) | 12.18 | SELL |
| SMA (20) | 12.16 | SELL |
| EMA (30) | 12.20 | SELL |
| SMA (30) | 12.21 | SELL |
| EMA (50) | 12.24 | SELL |
| SMA (50) | 12.28 | SELL |
| EMA (100) | 12.29 | SELL |
| SMA (100) | 12.31 | SELL |
| EMA (200) | 12.31 | SELL |
| SMA (200) | 12.34 | 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.