NWJTXETF / FundNationwide Loomis Short Term Bond Fund
Verdicts genuinely change. Free email alert the moment NWJTX'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.
Nationwide Loomis Short Term Bond Fund · Nationwide Mutual Funds
544 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 104% of net assets rather than 100%. Shares of the portfolio are shown as shares of that gross exposure.
NON-COMPLIANT At least 46.47% of portfolio weight is in non-compliant holdings — already over the 5% threshold, so the verdict is settled whatever the unmatched 52% turns out to be. Matching more holdings can only raise this share, never lower it.
20.77% 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.
544 holdings, 184 matched (50% of weight). Portfolio as of 2026-07-31, filed 2026-09-18. Source: SEC Form N-PORT.
8.52% of this portfolio’s income is non-permissible — weighted across holdings, computed over 20% of portfolio weight (107 of 544 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.
All holdings (544) · showing 1–250
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| United States of America | NON_COMPLIANT | 7.05% | no in-house ratios for this holding |
| United States of America | NON_COMPLIANT | 5.87% | no in-house ratios for this holding |
| CF SECURED LLC | UNSCREENED | 3.85% | no in-house ratios for this holding |
| United States of America | NON_COMPLIANT | 2.67% | no in-house ratios for this holding |
| United States of America | NON_COMPLIANT | 2.18% | no in-house ratios for this holding |
| FHLMC | NON_COMPLIANT | 1.24% | no in-house ratios for this holding |
| United States of America | NON_COMPLIANT | 0.74% | no in-house ratios for this holding |
| SANTANDER US CAPITAL MARKETS LLC | UNSCREENED | 0.70% | no in-house ratios for this holding |
| UNH UnitedHealth Group, Inc. | NON_COMPLIANT | 0.55% | AAOIFI20.4% Usmani23.7% Dow Jones Islamic20.4% S&P Shariah18.8% MSCI Islamic23.7% MSCI Islamic M-Series18.8% FTSE Shariah23.7% |
| MAR Marriott International, Inc. | NON_COMPLIANT | 0.53% | AAOIFI1.3% Usmani4.8% Dow Jones Islamic1.7% S&P Shariah1.8% MSCI Islamic4.8% MSCI Islamic M-Series1.8% FTSE Shariah1.7% |
| MS Morgan Stanley | NON_COMPLIANT | 0.51% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| GS Goldman Sachs Group, Inc. (The) | NON_COMPLIANT | 0.51% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| 8306.T Mitsubishi UFJ Financial Group, Inc. | NON_COMPLIANT | 0.51% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| MS Morgan Stanley | NON_COMPLIANT | 0.51% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| Lseg US Fin Corp. | UNSCREENED | 0.51% | no in-house ratios for this holding |
| GS Goldman Sachs Group, Inc. (The) | NON_COMPLIANT | 0.51% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| SMBC Aviation Capital Finance DAC | UNSCREENED | 0.51% | no in-house ratios for this holding |
| FDXF Fedex Freight Holding Co., Inc. | COMPLIANT | 0.51% | AAOIFI31.8% Usmani89.3% Dow Jones Islamic— S&P Shariah— MSCI Islamic89.3% MSCI Islamic M-Series— FTSE Shariah62.6% |
| Bayer US Finance LLC | UNSCREENED | 0.51% | no in-house ratios for this holding |
| GLE.PA Societe Generale SA | NON_COMPLIANT | 0.50% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BAC Bank of America Corp. | NON_COMPLIANT | 0.50% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| ING Bank NV | UNSCREENED | 0.50% | no in-house ratios for this holding |
| ISP.MI Intesa Sanpaolo SpA | NON_COMPLIANT | 0.50% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| NAB.AX National Australia Bank Ltd. | NON_COMPLIANT | 0.50% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| 8411.T Mizuho Financial Group, Inc. | NON_COMPLIANT | 0.50% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| JPM JPMorgan Chase & Co. | NON_COMPLIANT | 0.50% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| Equinix Europe 2 Financing Corp. LLC | UNSCREENED | 0.50% | no in-house ratios for this holding |
| PNC Bank NA | UNSCREENED | 0.49% | no in-house ratios for this holding |
| FHLMC | NON_COMPLIANT | 0.43% | no in-house ratios for this holding |
| Banque Federative du Credit Mutuel SA | UNSCREENED | 0.43% | no in-house ratios for this holding |
| SHB-A.ST Svenska Handelsbanken AB | NON_COMPLIANT | 0.41% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| American Honda Finance Corp. | UNSCREENED | 0.40% | no in-house ratios for this holding |
| HSBA.L HSBC Holdings plc | NON_COMPLIANT | 0.39% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Space Exploration Technologies Corp. | UNSCREENED | 0.39% | no in-house ratios for this holding |
| AmeriCredit Automobile Receivables Trust | UNSCREENED | 0.38% | no in-house ratios for this holding |
| PNW Pinnacle West Capital Corp. | NON_COMPLIANT | 0.38% | AAOIFI132.7% Usmani48.2% Dow Jones Islamic147.1% S&P Shariah162.0% MSCI Islamic48.2% MSCI Islamic M-Series162.0% FTSE Shariah32.4% |
| EMD Finance LLC | UNSCREENED | 0.37% | no in-house ratios for this holding |
| GPN Global Payments, Inc. | NON_COMPLIANT | 0.37% | AAOIFI95.7% Usmani36.9% Dow Jones Islamic108.0% S&P Shariah96.7% MSCI Islamic36.9% MSCI Islamic M-Series96.7% FTSE Shariah36.9% |
| AXP American Express Co. | NON_COMPLIANT | 0.37% | AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2% |
| IT Gartner, Inc. | NON_COMPLIANT | 0.37% | AAOIFI28.3% Usmani46.3% Dow Jones Islamic13.9% S&P Shariah12.2% MSCI Islamic46.3% MSCI Islamic M-Series12.2% FTSE Shariah41.4% |
| Equitable America Global Funding | UNSCREENED | 0.37% | no in-house ratios for this holding |
| UBS AG | UNSCREENED | 0.37% | no in-house ratios for this holding |
| DBK.DE Deutsche Bank AG | NON_COMPLIANT | 0.37% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| EFN.TO Element Fleet Management Corp. | NON_COMPLIANT | 0.37% | AAOIFI129.7% Usmani69.7% Dow Jones Islamic— S&P Shariah— MSCI Islamic69.7% MSCI Islamic M-Series— FTSE Shariah69.7% |
| Principal Life Global Funding II | UNSCREENED | 0.36% | no in-house ratios for this holding |
| NatWest Markets plc | UNSCREENED | 0.36% | no in-house ratios for this holding |
| FIS Fidelity National Information Services, Inc. | NON_COMPLIANT | 0.36% | AAOIFI78.8% Usmani38.6% Dow Jones Islamic50.4% S&P Shariah49.4% MSCI Islamic38.6% MSCI Islamic M-Series49.4% FTSE Shariah38.4% |
| ORCL Oracle Corp. | NON_COMPLIANT | 0.36% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| MCHP Microchip Technology, Inc. | COMPLIANT | 0.36% | AAOIFI13.8% Usmani38.2% Dow Jones Islamic15.3% S&P Shariah14.3% MSCI Islamic38.2% MSCI Islamic M-Series14.3% FTSE Shariah37.2% |
| CABK.MC CaixaBank SA | NON_COMPLIANT | 0.36% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Westpac New Zealand Ltd. | UNSCREENED | 0.36% | no in-house ratios for this holding |
| Guardian Life Global Funding | UNSCREENED | 0.36% | no in-house ratios for this holding |
| Huntington National Bank (The) | UNSCREENED | 0.36% | no in-house ratios for this holding |
| NextEra Energy Capital Holdings, Inc. | UNSCREENED | 0.35% | no in-house ratios for this holding |
| ITC Holdings Corp. | UNSCREENED | 0.35% | no in-house ratios for this holding |
| Jersey Central Power & Light Co. | UNSCREENED | 0.35% | no in-house ratios for this holding |
| AMZN Amazon.com, Inc. | QUESTIONABLE | 0.35% | AAOIFI8.2% Usmani22.1% Dow Jones Islamic9.6% S&P Shariah10.6% MSCI Islamic20.9% MSCI Islamic M-Series10.6% FTSE Shariah12.1% |
| Fifth Third Bank NA | UNSCREENED | 0.35% | no in-house ratios for this holding |
| Northwestern Mutual Global Funding | UNSCREENED | 0.35% | no in-house ratios for this holding |
| Corebridge Global Funding | UNSCREENED | 0.35% | no in-house ratios for this holding |
| WEC WEC Energy Group, Inc. | NON_COMPLIANT | 0.35% | AAOIFI57.5% Usmani39.9% Dow Jones Islamic61.9% S&P Shariah68.5% MSCI Islamic39.1% MSCI Islamic M-Series68.5% FTSE Shariah39.1% |
| Met Tower Global Funding | UNSCREENED | 0.35% | no in-house ratios for this holding |
| United States of America | NON_COMPLIANT | 0.35% | no in-house ratios for this holding |
| Vistra Operations Co. LLC | UNSCREENED | 0.35% | no in-house ratios for this holding |
| AerCap Ireland Capital DAC | UNSCREENED | 0.35% | no in-house ratios for this holding |
| US Bank NA | UNSCREENED | 0.35% | no in-house ratios for this holding |
| META Meta Platforms, Inc. | QUESTIONABLE | 0.35% | AAOIFI7.2% Usmani25.0% Dow Jones Islamic7.0% S&P Shariah7.9% MSCI Islamic25.0% MSCI Islamic M-Series7.9% FTSE Shariah18.6% |
| National Rural Utilities Cooperative Finance Corp. | UNSCREENED | 0.34% | no in-house ratios for this holding |
| C Citigroup, Inc. | NON_COMPLIANT | 0.34% | AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8% |
| Dell International LLC | UNSCREENED | 0.33% | no in-house ratios for this holding |
| NVDA NVIDIA Corp. | COMPLIANT | 0.33% | AAOIFI1.1% Usmani12.1% Dow Jones Islamic0.9% S&P Shariah1.1% MSCI Islamic12.1% MSCI Islamic M-Series1.1% FTSE Shariah10.4% |
| ANZ New Zealand Int'l Ltd. | UNSCREENED | 0.33% | no in-house ratios for this holding |
| NYC Trust | UNSCREENED | 0.33% | no in-house ratios for this holding |
| SNN Smith & Nephew plc | COMPLIANT | 0.31% | AAOIFI34.9% Usmani29.8% Dow Jones Islamic11.8% S&P Shariah12.5% MSCI Islamic29.8% MSCI Islamic M-Series12.5% FTSE Shariah29.8% |
| HSBA.L HSBC Holdings plc | NON_COMPLIANT | 0.31% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| RY Royal Bank of Canada | COMPLIANT | 0.31% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| Vmed O2 UK Financing I plc | UNSCREENED | 0.31% | no in-house ratios for this holding |
| BAY Trust | UNSCREENED | 0.31% | no in-house ratios for this holding |
| Hess Midstream Operations LP | UNSCREENED | 0.31% | no in-house ratios for this holding |
| TTX Co. | UNSCREENED | 0.31% | no in-house ratios for this holding |
| Ford Credit Auto Lease Trust | UNSCREENED | 0.31% | no in-house ratios for this holding |
| Truist Bank | UNSCREENED | 0.30% | no in-house ratios for this holding |
| Sumisho Air Lease Corp. | UNSCREENED | 0.30% | no in-house ratios for this holding |
| TD Toronto-Dominion Bank (The) | NON_COMPLIANT | 0.30% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| WFC Wells Fargo & Co. | NON_COMPLIANT | 0.30% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| Citibank Credit Card Issuance Trust | UNSCREENED | 0.29% | no in-house ratios for this holding |
| BARC.L Barclays plc | NON_COMPLIANT | 0.28% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| D Dominion Energy, Inc. | NON_COMPLIANT | 0.28% | AAOIFI86.6% Usmani42.8% Dow Jones Islamic102.1% S&P Shariah112.1% MSCI Islamic42.3% MSCI Islamic M-Series112.1% FTSE Shariah41.7% |
| KNTK Kinetik Holdings LP | NON_COMPLIANT | 0.28% | AAOIFI43.0% Usmani55.5% Dow Jones Islamic56.5% S&P Shariah62.5% MSCI Islamic55.5% MSCI Islamic M-Series62.5% FTSE Shariah54.8% |
| SAN.MC Banco Santander SA | NON_COMPLIANT | 0.28% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| TD Toronto-Dominion Bank (The) | NON_COMPLIANT | 0.27% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| Athene Global Funding | UNSCREENED | 0.27% | no in-house ratios for this holding |
| Georgia Power Co. | UNSCREENED | 0.27% | no in-house ratios for this holding |
| Antares Holdings LP | UNSCREENED | 0.27% | no in-house ratios for this holding |
| 8316.T Sumitomo Mitsui Financial Group, Inc. | NON_COMPLIANT | 0.27% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| New York Life Global Funding | UNSCREENED | 0.27% | no in-house ratios for this holding |
| Chase Auto Owner Trust | UNSCREENED | 0.27% | no in-house ratios for this holding |
| NBS.L Nationwide Building Society | NON_COMPLIANT | 0.26% | AAOIFIfail Usmani15.4% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic15.4% MSCI Islamic M-Seriesfail FTSE Shariah15.4% |
| PRX.AS Prosus NV | NON_COMPLIANT | 0.26% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| DRI Darden Restaurants, Inc. | NON_COMPLIANT | 0.26% | AAOIFI25.3% Usmani62.3% Dow Jones Islamic28.6% S&P Shariah30.9% MSCI Islamic48.7% MSCI Islamic M-Series30.9% FTSE Shariah18.1% |
| HP Helmerich & Payne, Inc. | NON_COMPLIANT | 0.26% | AAOIFI42.0% Usmani29.6% Dow Jones Islamic66.3% S&P Shariah61.7% MSCI Islamic29.6% MSCI Islamic M-Series61.7% FTSE Shariah29.6% |
| CSMC OA LLC | UNSCREENED | 0.26% | no in-house ratios for this holding |
| Western-Southern Global Funding | UNSCREENED | 0.26% | no in-house ratios for this holding |
| Jackson National Life Global Funding | UNSCREENED | 0.26% | no in-house ratios for this holding |
| Mercedes-Benz Finance North America LLC | UNSCREENED | 0.25% | no in-house ratios for this holding |
| Santander Holdings USA, Inc. | UNSCREENED | 0.25% | no in-house ratios for this holding |
| Freedom Mortgage Holdings LLC | UNSCREENED | 0.25% | no in-house ratios for this holding |
| MSBAM Commercial Mortgage Securities Trust | UNSCREENED | 0.25% | no in-house ratios for this holding |
| CCL Carnival Corp. Ltd. | NON_COMPLIANT | 0.25% | AAOIFI72.6% Usmani50.6% Dow Jones Islamic82.0% S&P Shariah96.0% MSCI Islamic50.6% MSCI Islamic M-Series96.0% FTSE Shariah48.2% |
| LAD Auto Receivables Trust | UNSCREENED | 0.25% | no in-house ratios for this holding |
| KMI Kinder Morgan, Inc. | NON_COMPLIANT | 0.25% | AAOIFI46.1% Usmani43.5% Dow Jones Islamic53.0% S&P Shariah61.2% MSCI Islamic43.5% MSCI Islamic M-Series61.2% FTSE Shariah43.5% |
| RY Royal Bank of Canada | COMPLIANT | 0.25% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| SNY Sanofi SA | COMPLIANT | 0.25% | AAOIFI20.8% Usmani14.7% Dow Jones Islamic38.1% S&P Shariah38.6% MSCI Islamic14.7% MSCI Islamic M-Series38.6% FTSE Shariah14.7% |
| BPR Trust | UNSCREENED | 0.25% | no in-house ratios for this holding |
| First-Citizens Bank & Trust Co. | UNSCREENED | 0.25% | no in-house ratios for this holding |
| BMW Vehicle Lease Trust | UNSCREENED | 0.25% | no in-house ratios for this holding |
| GA Global Funding Trust | UNSCREENED | 0.24% | no in-house ratios for this holding |
| HPE Hewlett Packard Enterprise Co. | NON_COMPLIANT | 0.24% | AAOIFI29.3% Usmani24.2% Dow Jones Islamic61.2% S&P Shariah69.5% MSCI Islamic24.2% MSCI Islamic M-Series69.5% FTSE Shariah24.2% |
| SHW Sherwin-Williams Co. (The) | COMPLIANT | 0.24% | AAOIFI18.0% Usmani52.7% Dow Jones Islamic16.6% S&P Shariah17.3% MSCI Islamic52.7% MSCI Islamic M-Series17.3% FTSE Shariah44.8% |
| CNH Industrial Capital LLC | UNSCREENED | 0.24% | no in-house ratios for this holding |
| CFCRE Commercial Mortgage Trust | UNSCREENED | 0.24% | no in-house ratios for this holding |
| Westlake Automobile Receivables Trust | UNSCREENED | 0.24% | no in-house ratios for this holding |
| American National Global Funding | UNSCREENED | 0.24% | no in-house ratios for this holding |
| Carvana Auto Receivables Trust | UNSCREENED | 0.24% | no in-house ratios for this holding |
| UAL United Airlines Holdings, Inc. | NON_COMPLIANT | 0.24% | AAOIFI93.1% Usmani39.8% Dow Jones Islamic109.0% S&P Shariah132.3% MSCI Islamic39.8% MSCI Islamic M-Series132.3% FTSE Shariah31.3% |
| ELV Elevance Health, Inc. | NON_COMPLIANT | 0.23% | AAOIFI35.1% Usmani24.6% Dow Jones Islamic37.4% S&P Shariah33.5% MSCI Islamic24.6% MSCI Islamic M-Series33.5% FTSE Shariah24.6% |
| INTU Intuit, Inc. | COMPLIANT | 0.23% | AAOIFI9.9% Usmani22.9% Dow Jones Islamic5.4% S&P Shariah5.3% MSCI Islamic22.9% MSCI Islamic M-Series5.3% FTSE Shariah20.8% |
| Conagra Brands, Inc. | UNSCREENED | 0.23% | no in-house ratios for this holding |
| Santander Drive Auto Receivables Trust | UNSCREENED | 0.23% | no in-house ratios for this holding |
| Mutual of Omaha Cos. Global Funding | UNSCREENED | 0.23% | no in-house ratios for this holding |
| Depository Trust Co. (The) | UNSCREENED | 0.23% | no in-house ratios for this holding |
| Georgia-Pacific LLC | UNSCREENED | 0.23% | no in-house ratios for this holding |
| Benchmark Mortgage Trust | UNSCREENED | 0.23% | no in-house ratios for this holding |
| Georgia-Pacific LLC | UNSCREENED | 0.23% | no in-house ratios for this holding |
| ZF North America Capital, Inc. | UNSCREENED | 0.22% | no in-house ratios for this holding |
| SEB Funding LLC | UNSCREENED | 0.22% | no in-house ratios for this holding |
| EVRG Evergy, Inc. | NON_COMPLIANT | 0.22% | AAOIFI72.2% Usmani39.7% Dow Jones Islamic84.2% S&P Shariah94.4% MSCI Islamic39.4% MSCI Islamic M-Series94.4% FTSE Shariah39.2% |
| Public Service Co. of New Hampshire | UNSCREENED | 0.22% | no in-house ratios for this holding |
| Stellantis Financial Underwritten Enhanced Lease Trust | UNSCREENED | 0.22% | no in-house ratios for this holding |
| DTE DTE Energy Co. | NON_COMPLIANT | 0.22% | AAOIFI90.3% Usmani46.4% Dow Jones Islamic93.7% S&P Shariah101.8% MSCI Islamic46.4% MSCI Islamic M-Series101.8% FTSE Shariah45.9% |
| Aircastle Ltd. | UNSCREENED | 0.21% | no in-house ratios for this holding |
| Prologis Targeted US Logistics Fund LP | UNSCREENED | 0.21% | no in-house ratios for this holding |
| WTRG Essential Utilities, Inc. | NON_COMPLIANT | 0.21% | AAOIFI74.1% Usmani42.5% Dow Jones Islamic81.4% S&P Shariah84.9% MSCI Islamic42.5% MSCI Islamic M-Series84.9% FTSE Shariah42.4% |
| Hertz Vehicle Financing III LLC | UNSCREENED | 0.21% | no in-house ratios for this holding |
| DUK Duke Energy Corp. | NON_COMPLIANT | 0.21% | 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 | 0.20% | no in-house ratios for this holding |
| CM.TO Canadian Imperial Bank of Commerce | NON_COMPLIANT | 0.20% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| WFC Wells Fargo & Co. | NON_COMPLIANT | 0.20% | AAOIFI80.2% Usmani9.1% Dow Jones Islamic84.8% S&P Shariah93.9% MSCI Islamic9.1% MSCI Islamic M-Series93.9% FTSE Shariah9.1% |
| SWED-A.ST Swedbank AB | NON_COMPLIANT | 0.20% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BBVA Mexico SA Institucion De Banca Multiple Grupo Financiero BBVA Mexico | UNSCREENED | 0.20% | no in-house ratios for this holding |
| Bacardi-Martini BV | UNSCREENED | 0.20% | no in-house ratios for this holding |
| MassMutual Global Funding II | UNSCREENED | 0.20% | no in-house ratios for this holding |
| CNO Global Funding | UNSCREENED | 0.20% | no in-house ratios for this holding |
| IRM Iron Mountain, Inc. | NON_COMPLIANT | 0.20% | AAOIFI57.3% Usmani93.4% Dow Jones Islamic66.1% S&P Shariah73.7% MSCI Islamic90.9% MSCI Islamic M-Series73.7% FTSE Shariah79.0% |
| AEE Ameren Corp. | NON_COMPLIANT | 0.20% | AAOIFI71.5% Usmani40.2% Dow Jones Islamic76.5% S&P Shariah85.2% MSCI Islamic40.2% MSCI Islamic M-Series85.2% FTSE Shariah40.2% |
| Stellantis Financial Underwritten Enhanced Lease Trust | UNSCREENED | 0.19% | no in-house ratios for this holding |
| Trafigura Securitisation Finance plc | UNSCREENED | 0.19% | no in-house ratios for this holding |
| PacifiCorp | UNSCREENED | 0.19% | no in-house ratios for this holding |
| Honda Auto Receivables Owner Trust | UNSCREENED | 0.19% | no in-house ratios for this holding |
| Hyundai Capital America | UNSCREENED | 0.18% | no in-house ratios for this holding |
| EFX Equifax, Inc. | NON_COMPLIANT | 0.18% | AAOIFI27.1% Usmani45.6% Dow Jones Islamic19.8% S&P Shariah19.6% MSCI Islamic45.6% MSCI Islamic M-Series19.6% FTSE Shariah45.6% |
| Nissan Motor Acceptance Co. LLC | UNSCREENED | 0.18% | no in-house ratios for this holding |
| Mission Lane Credit Card Master Trust | UNSCREENED | 0.18% | no in-house ratios for this holding |
| Caterpillar Financial Services Corp. | UNSCREENED | 0.18% | no in-house ratios for this holding |
| NextEra Energy Capital Holdings, Inc. | UNSCREENED | 0.18% | no in-house ratios for this holding |
| Regions Bank | UNSCREENED | 0.18% | no in-house ratios for this holding |
| CRM Salesforce, Inc. | COMPLIANT | 0.18% | AAOIFI20.9% Usmani38.1% Dow Jones Islamic18.3% S&P Shariah17.8% MSCI Islamic38.1% MSCI Islamic M-Series17.8% FTSE Shariah35.8% |
| Atlas Warehouse Lending Co. LP | UNSCREENED | 0.18% | no in-house ratios for this holding |
| Alliant Energy Finance LLC | UNSCREENED | 0.18% | no in-house ratios for this holding |
| RKT Rocket Cos., Inc. | NON_COMPLIANT | 0.18% | AAOIFI27.1% Usmani17.7% Dow Jones Islamic24.8% S&P Shariah26.9% MSCI Islamic17.7% MSCI Islamic M-Series26.9% FTSE Shariah17.7% |
| LVS Las Vegas Sands Corp. | NON_COMPLIANT | 0.18% | AAOIFI53.8% Usmani76.7% Dow Jones Islamic44.9% S&P Shariah45.0% MSCI Islamic76.7% MSCI Islamic M-Series45.0% FTSE Shariah76.7% |
| Southern California Edison Co. | UNSCREENED | 0.18% | no in-house ratios for this holding |
| ENB.TO Enbridge, Inc. | NON_COMPLIANT | 0.18% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| VOD.L Vodafone Group plc | NON_COMPLIANT | 0.18% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| USAA Capital Corp. | UNSCREENED | 0.17% | no in-house ratios for this holding |
| LMT Lockheed Martin Corp. | NON_COMPLIANT | 0.17% | AAOIFI16.6% Usmani32.9% Dow Jones Islamic17.6% S&P Shariah18.2% MSCI Islamic32.9% MSCI Islamic M-Series18.2% FTSE Shariah32.9% |
| Sammons Financial Group Global Funding | UNSCREENED | 0.17% | no in-house ratios for this holding |
| STWD Starwood Property Trust, Inc. | NON_COMPLIANT | 0.17% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| General Motors Financial Co., Inc. | UNSCREENED | 0.17% | no in-house ratios for this holding |
| GATX GATX Corp. | NON_COMPLIANT | 0.17% | AAOIFI198.2% Usmani69.6% Dow Jones Islamic214.1% S&P Shariah234.3% MSCI Islamic69.6% MSCI Islamic M-Series234.3% FTSE Shariah69.6% |
| Credit Acceptance Auto Loan Trust | UNSCREENED | 0.17% | no in-house ratios for this holding |
| Liberty Utilities Co. | UNSCREENED | 0.17% | no in-house ratios for this holding |
| Bluepeak ABS Issuer LLC | UNSCREENED | 0.17% | no in-house ratios for this holding |
| JEF Jefferies Financial Group, Inc. | NON_COMPLIANT | 0.17% | AAOIFI155.4% Usmani25.1% Dow Jones Islamic171.6% S&P Shariah188.8% MSCI Islamic25.1% MSCI Islamic M-Series188.8% FTSE Shariah25.1% |
| ATD.TO Alimentation Couche-Tard, Inc. | NON_COMPLIANT | 0.17% | AAOIFI30.2% Usmani49.6% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic37.8% MSCI Islamic M-Seriespass FTSE Shariah37.8% |
| CarMax Select Receivables Trust | UNSCREENED | 0.17% | no in-house ratios for this holding |
| American Water Capital Corp. | UNSCREENED | 0.17% | no in-house ratios for this holding |
| Federation des Caisses Desjardins du Quebec | UNSCREENED | 0.17% | no in-house ratios for this holding |
| JPM JPMorgan Chase & Co. | NON_COMPLIANT | 0.16% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| GS Mortgage Securities Corp. Trust | UNSCREENED | 0.16% | no in-house ratios for this holding |
| SCOTT Trust | UNSCREENED | 0.16% | no in-house ratios for this holding |
| Avis Budget Rental Car Funding AESOP LLC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| Hyundai Auto Lease Securitization Trust | UNSCREENED | 0.16% | no in-house ratios for this holding |
| AXP American Express Co. | NON_COMPLIANT | 0.16% | AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2% |
| Toyota Auto Receivables Owner Trust | UNSCREENED | 0.16% | no in-house ratios for this holding |
| ByzFunder Asset Securitization I LLC | UNSCREENED | 0.16% | no in-house ratios for this holding |
| Avilease Capital Ltd. | UNSCREENED | 0.16% | no in-house ratios for this holding |
| RSG Republic Services, Inc. | COMPLIANT | 0.16% | AAOIFI21.1% Usmani40.7% Dow Jones Islamic21.0% S&P Shariah22.6% MSCI Islamic40.7% MSCI Islamic M-Series22.6% FTSE Shariah40.0% |
| PVH Corp. | UNSCREENED | 0.16% | no in-house ratios for this holding |
| BFLD Commercial Mortgage Trust | UNSCREENED | 0.16% | no in-house ratios for this holding |
| BRO Brown & Brown, Inc. | NON_COMPLIANT | 0.16% | AAOIFI33.8% Usmani27.0% Dow Jones Islamic29.0% S&P Shariah30.8% MSCI Islamic27.0% MSCI Islamic M-Series30.8% FTSE Shariah26.0% |
| Academy Ltd. | UNSCREENED | 0.16% | no in-house ratios for this holding |
| Toyota Lease Owner Trust | UNSCREENED | 0.16% | no in-house ratios for this holding |
| SBL Holdings, Inc. | UNSCREENED | 0.16% | no in-house ratios for this holding |
| GM Financial Automobile Leasing Trust | UNSCREENED | 0.15% | no in-house ratios for this holding |
| Jack in the Box Funding LLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| 8604.T Nomura Holdings, Inc. | NON_COMPLIANT | 0.15% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| GreatAmerica Leasing Receivables Funding LLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| Mercedes-Benz Finance North America LLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| Hyundai Auto Lease Securitization Trust | UNSCREENED | 0.15% | no in-house ratios for this holding |
| CPB Campbell's Co. (The) | NON_COMPLIANT | 0.15% | AAOIFI123.5% Usmani48.1% Dow Jones Islamic84.1% S&P Shariah75.7% MSCI Islamic47.6% MSCI Islamic M-Series75.7% FTSE Shariah45.6% |
| NextGear Floorplan Master Owner Trust | UNSCREENED | 0.15% | no in-house ratios for this holding |
| SPNT SiriusPoint Ltd. | NON_COMPLIANT | 0.15% | AAOIFI23.8% Usmani5.3% Dow Jones Islamic27.7% S&P Shariah29.4% MSCI Islamic5.3% MSCI Islamic M-Series29.4% FTSE Shariah5.3% |
| ACT Enact Holdings, Inc. | NON_COMPLIANT | 0.15% | AAOIFI11.0% Usmani10.7% Dow Jones Islamic13.6% S&P Shariah14.5% MSCI Islamic10.7% MSCI Islamic M-Series14.5% FTSE Shariah10.7% |
| ILMN Illumina, Inc. | COMPLIANT | 0.15% | AAOIFI1.6% Usmani8.1% Dow Jones Islamic2.7% S&P Shariah2.7% MSCI Islamic8.1% MSCI Islamic M-Series2.7% FTSE Shariah0.0% |
| BAX Baxter International, Inc. | NON_COMPLIANT | 0.15% | AAOIFI1.6% Usmani1.1% Dow Jones Islamic1.6% S&P Shariah1.4% MSCI Islamic1.1% MSCI Islamic M-Series1.4% FTSE Shariah0.0% |
| HPEFS Equipment Trust | UNSCREENED | 0.15% | no in-house ratios for this holding |
| SM SM Energy Co. | NON_COMPLIANT | 0.15% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| SCF Equipment Leasing LLC | UNSCREENED | 0.15% | no in-house ratios for this holding |
| F&G Global Funding | UNSCREENED | 0.15% | no in-house ratios for this holding |
| IQVIA, Inc. | UNSCREENED | 0.15% | no in-house ratios for this holding |
| Blue Owl Credit Income Corp. | UNSCREENED | 0.15% | no in-house ratios for this holding |
| MKC McCormick & Co., Inc. | NON_COMPLIANT | 0.15% | AAOIFI25.8% Usmani21.9% Dow Jones Islamic20.4% S&P Shariah20.4% MSCI Islamic21.9% MSCI Islamic M-Series20.4% FTSE Shariah21.9% |
| RKTL | UNSCREENED | 0.15% | no in-house ratios for this holding |
| Stellantis Financial Services US Corp. | UNSCREENED | 0.14% | no in-house ratios for this holding |
| Avolon Holdings Funding Ltd. | UNSCREENED | 0.14% | no in-house ratios for this holding |
| Syensqo Finance America LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| CM.TO Canadian Imperial Bank of Commerce | NON_COMPLIANT | 0.14% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| ACI Albertsons Cos., Inc. | NON_COMPLIANT | 0.14% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| LASITE.MX Sitios Latinoamerica SAB de CV | NON_COMPLIANT | 0.14% | AAOIFI221.8% Usmani93.6% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic70.7% MSCI Islamic M-Seriesfail FTSE Shariah70.7% |
| BA Boeing Co. (The) | NON_COMPLIANT | 0.14% | AAOIFI30.1% Usmani30.2% Dow Jones Islamic33.6% S&P Shariah36.0% MSCI Islamic30.2% MSCI Islamic M-Series36.0% FTSE Shariah30.2% |
| Chase Auto Owner Trust | UNSCREENED | 0.14% | no in-house ratios for this holding |
| NWG.L NatWest Group plc | NON_COMPLIANT | 0.14% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Molex Electronic Technologies LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| ABN.AS ABN AMRO Bank NV | NON_COMPLIANT | 0.14% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| Barings BDC, Inc. | UNSCREENED | 0.14% | no in-house ratios for this holding |
| GM Financial Consumer Automobile Receivables Trust | UNSCREENED | 0.14% | no in-house ratios for this holding |
| Toyota Auto Receivables Owner Trust | UNSCREENED | 0.14% | no in-house ratios for this holding |
| Orbia Advance Corp. SAB de CV | UNSCREENED | 0.14% | no in-house ratios for this holding |
| BX Trust | UNSCREENED | 0.14% | no in-house ratios for this holding |
| First Investors Auto Owner Trust | UNSCREENED | 0.14% | no in-house ratios for this holding |
| Stellantis Financial Services US Corp. | UNSCREENED | 0.14% | no in-house ratios for this holding |
| GIB CGI, Inc. | COMPLIANT | 0.14% | AAOIFI13.9% Usmani16.1% Dow Jones Islamic10.4% S&P Shariah10.0% MSCI Islamic16.1% MSCI Islamic M-Series10.0% FTSE Shariah16.1% |
| BBVA.MC Banco Bilbao Vizcaya Argentaria SA | NON_COMPLIANT | 0.14% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| ORCL Oracle Corp. | NON_COMPLIANT | 0.14% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| Brighthouse Financial Global Funding | UNSCREENED | 0.14% | no in-house ratios for this holding |
| Avolon Holdings Funding Ltd. | UNSCREENED | 0.14% | no in-house ratios for this holding |
| New Economy Assets Phase 1 Sponsor LLC | UNSCREENED | 0.14% | no in-house ratios for this holding |
| NFLX Netflix, Inc. | QUESTIONABLE | 0.13% | AAOIFI5.2% Usmani28.5% Dow Jones Islamic4.1% S&P Shariah4.7% MSCI Islamic28.5% MSCI Islamic M-Series4.7% FTSE Shariah24.5% |
| H Hyatt Hotels Corp. | NON_COMPLIANT | 0.13% | AAOIFI30.0% Usmani32.3% Dow Jones Islamic31.2% S&P Shariah32.4% MSCI Islamic32.3% MSCI Islamic M-Series32.4% FTSE Shariah30.6% |
The published standards disagree about this fund by 1 points of portfolio weight — 6.5% of it passes AAOIFI, 5.3% 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 6.5% ratios fail on 23.2% 74.0% not rated under AAOIFI
ratios pass on 5.4% ratios fail on 21.0% 77.2% not rated under Usmani
ratios pass on 6.4% ratios fail on 22.1% 75.1% not rated under Dow Jones Islamic
ratios pass on 5.8% ratios fail on 22.2% 75.7% not rated under S&P Shariah
ratios pass on 5.3% ratios fail on 21.2% 77.2% not rated under MSCI Islamic
ratios pass on 5.8% ratios fail on 22.7% 75.1% not rated under MSCI Islamic M-Series
ratios pass on 6.5% ratios fail on 20.0% 77.2% not rated under FTSE Shariah
126 of 544 listed holdings carry our own per-methodology verdicts (31% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 103 (23% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.
| Non-compliant holding | Weight |
|---|---|
| United States of America | 7.05% |
| United States of America | 5.87% |
| United States of America | 2.67% |
| United States of America | 2.18% |
| FHLMC | 1.24% |
| United States of America | 0.74% |
| UNH UnitedHealth Group, Inc. | 0.55% |
| MAR Marriott International, Inc. | 0.53% |
| MS Morgan Stanley | 0.51% |
| GS Goldman Sachs Group, Inc. (The) | 0.51% |
Trade setup
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
Nationwide Loomis Short Term Bond Fund (NWJTX) 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.
Screened on its holdings, not its name
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 of Americanot matched to a ticker | 7.05% | Non-compliant |
| United States of Americanot matched to a ticker | 5.87% | Non-compliant |
| CF SECURED LLCnot matched to a ticker | 3.85% | Not screened |
| United States of Americanot matched to a ticker | 2.67% | Non-compliant |
| United States of Americanot matched to a ticker | 2.18% | Non-compliant |
| FHLMCnot matched to a ticker | 1.24% | Non-compliant |
| United States of Americanot matched to a ticker | 0.74% | Non-compliant |
| SANTANDER US CAPITAL MARKETS LLCnot matched to a ticker | 0.70% | Not screened |
| UNHUnitedHealth Group, Inc. | 0.55% | Non-compliant |
| MARMarriott International, Inc. | 0.53% | Non-compliant |
Top 10 of 544 holdings, 25.4% of the fund by weight. Every holding is screened, not only these.
What holds the number back
The positions keeping this fund short of 100% compliant by weight.
- United States of Americanon-compliant7.05%
- United States of Americanon-compliant5.87%
- CF SECURED LLCnot screened3.85%
- United States of Americanon-compliant2.67%
- United States of Americanon-compliant2.18%
- FHLMCnon-compliant1.24%
What changed, and when
Verdict history for NWJTX. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.
- 2026-09-07 No change recorded No verdict change for NWJTX has been recorded since tracking began. The scan ledger records that the compliance detectors ran, not which symbols each pass covered.
ℹ️ no compliance scan has run for 5 days - this is not a reading of today
SMC — Top Down
Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.
Before you act on this
The questions worth asking about any verdict on this page, answered plainly.
Is a fund screened on its name?
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.
What does unrated weight mean?
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.
Does the issuer's board make it compliant?
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.
How often is this re-screened?
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.
Compare with
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.
AI Summary
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.