Verdicts genuinely change. Free email alert the moment SEAAX'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.
Steward Select Bond Fund · Steward Funds Inc
149 holdings
NON-COMPLIANT 64.00% of portfolio weight is in non-compliant holdings, over the 5% threshold.
36.83% 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.
149 holdings, 135 matched (92% of weight). Portfolio as of 2026-07-31, filed 2026-09-28. Source: SEC Form N-PORT.
2.92% of this portfolio’s income is non-permissible — weighted across holdings, computed over 49% of portfolio weight (65 of 149 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.
24.2% compliant 3.0% questionable 64.0% non-compliant 7.7% unscreened
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| NORTHERN INSTITUTIONAL FUNDS | UNSCREENED | 2.02% | no in-house ratios for this holding |
| QCOM QUALCOMM INC | COMPLIANT | 1.78% | AAOIFI8.3% Usmani25.7% Dow Jones Islamic8.6% S&P Shariah8.7% MSCI Islamic25.7% MSCI Islamic M-Series8.7% FTSE Shariah25.7% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 1.75% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 1.62% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 1.53% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 1.47% | no in-house ratios for this holding |
| LHX L3HARRIS TECHNOLOGIES INC | NON_COMPLIANT | 1.40% | AAOIFI20.0% Usmani22.2% Dow Jones Islamic19.0% S&P Shariah20.8% MSCI Islamic22.2% MSCI Islamic M-Series20.8% FTSE Shariah22.2% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 1.38% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 1.38% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 1.38% | no in-house ratios for this holding |
| VLO VALERO ENERGY CORP | COMPLIANT | 1.37% | AAOIFI10.3% Usmani14.1% Dow Jones Islamic17.0% S&P Shariah18.0% MSCI Islamic14.1% MSCI Islamic M-Series18.0% FTSE Shariah14.1% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 1.36% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 1.35% | no in-house ratios for this holding |
| PYPL PAYPAL HOLDINGS INC | NON_COMPLIANT | 1.34% | AAOIFI22.1% Usmani12.5% Dow Jones Islamic16.3% S&P Shariah16.0% MSCI Islamic12.5% MSCI Islamic M-Series16.0% FTSE Shariah11.7% |
| NKE NIKE INC | COMPLIANT | 1.31% | AAOIFI19.4% Usmani28.7% Dow Jones Islamic21.0% S&P Shariah18.2% MSCI Islamic28.7% MSCI Islamic M-Series18.2% FTSE Shariah20.7% |
| DIS WALT DISNEY COMPANY (THE) | NON_COMPLIANT | 1.26% | AAOIFI25.4% Usmani22.5% Dow Jones Islamic24.6% S&P Shariah25.2% MSCI Islamic22.5% MSCI Islamic M-Series25.2% FTSE Shariah22.5% |
| V VISA INC | COMPLIANT | 1.15% | AAOIFI3.5% Usmani25.2% Dow Jones Islamic15.5% S&P Shariah16.7% MSCI Islamic25.2% MSCI Islamic M-Series16.7% FTSE Shariah25.2% |
| HD HOME DEPOT INC (THE) | COMPLIANT | 0.97% | AAOIFI18.6% Usmani56.1% Dow Jones Islamic16.3% S&P Shariah17.0% MSCI Islamic53.3% MSCI Islamic M-Series17.0% FTSE Shariah44.5% |
| MARATHON OIL CORP | UNSCREENED | 0.94% | no in-house ratios for this holding |
| CI CIGNA GROUP (THE) | NON_COMPLIANT | 0.94% | AAOIFI42.7% Usmani20.3% Dow Jones Islamic40.5% S&P Shariah38.8% MSCI Islamic20.3% MSCI Islamic M-Series38.8% FTSE Shariah20.3% |
| GILD GILEAD SCIENCES INC | COMPLIANT | 0.94% | AAOIFI14.4% Usmani53.2% Dow Jones Islamic18.6% S&P Shariah21.4% MSCI Islamic53.2% MSCI Islamic M-Series21.4% FTSE Shariah53.2% |
| MET METLIFE INC | NON_COMPLIANT | 0.94% | AAOIFI47.5% Usmani3.9% Dow Jones Islamic56.2% S&P Shariah58.5% MSCI Islamic3.9% MSCI Islamic M-Series58.5% FTSE Shariah3.9% |
| EXC EXELON CORP | NON_COMPLIANT | 0.93% | AAOIFI109.9% Usmani42.1% Dow Jones Islamic115.7% S&P Shariah124.5% MSCI Islamic42.1% MSCI Islamic M-Series124.5% FTSE Shariah42.1% |
| JOHN DEERE CAPITAL CORP | UNSCREENED | 0.93% | no in-house ratios for this holding |
| CMI CUMMINS INC | COMPLIANT | 0.93% | AAOIFI9.7% Usmani21.0% Dow Jones Islamic12.1% S&P Shariah14.2% MSCI Islamic21.0% MSCI Islamic M-Series14.2% FTSE Shariah19.3% |
| FEDERAL HOME LOAN BANKS | NON_COMPLIANT | 0.93% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.93% | no in-house ratios for this holding |
| GIS GENERAL MILLS INC | NON_COMPLIANT | 0.92% | AAOIFI81.9% Usmani45.8% Dow Jones Islamic55.0% S&P Shariah49.4% MSCI Islamic45.8% MSCI Islamic M-Series49.4% FTSE Shariah44.5% |
| MS MORGAN STANLEY | NON_COMPLIANT | 0.92% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.92% | no in-house ratios for this holding |
| GD GENERAL DYNAMICS CORP | NON_COMPLIANT | 0.92% | AAOIFI10.3% Usmani17.4% Dow Jones Islamic11.7% S&P Shariah12.4% MSCI Islamic16.8% MSCI Islamic M-Series12.4% FTSE Shariah13.7% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.92% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.92% | no in-house ratios for this holding |
| HD HOME DEPOT INC (THE) | COMPLIANT | 0.92% | AAOIFI18.6% Usmani56.1% Dow Jones Islamic16.3% S&P Shariah17.0% MSCI Islamic53.3% MSCI Islamic M-Series17.0% FTSE Shariah44.5% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.92% | no in-house ratios for this holding |
| KMB KIMBERLY CLARK CORP | COMPLIANT | 0.92% | AAOIFI18.7% Usmani35.1% Dow Jones Islamic17.1% S&P Shariah17.0% MSCI Islamic35.1% MSCI Islamic M-Series17.0% FTSE Shariah35.1% |
| FEDERAL HOME LOAN BANKS | NON_COMPLIANT | 0.91% | no in-house ratios for this holding |
| GIS GENERAL MILLS INC | NON_COMPLIANT | 0.91% | AAOIFI81.9% Usmani45.8% Dow Jones Islamic55.0% S&P Shariah49.4% MSCI Islamic45.8% MSCI Islamic M-Series49.4% FTSE Shariah44.5% |
| UNP UNION PACIFIC CORP | COMPLIANT | 0.91% | AAOIFI18.2% Usmani43.8% Dow Jones Islamic22.0% S&P Shariah22.4% MSCI Islamic43.8% MSCI Islamic M-Series22.4% FTSE Shariah42.6% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.91% | no in-house ratios for this holding |
| ADBE ADOBE INC | COMPLIANT | 0.91% | AAOIFI4.5% Usmani22.6% Dow Jones Islamic4.6% S&P Shariah3.8% MSCI Islamic22.6% MSCI Islamic M-Series3.8% FTSE Shariah21.2% |
| GEV GE VERNOVA INC | COMPLIANT | 0.91% | AAOIFI1.1% Usmani3.5% Dow Jones Islamic1.7% S&P Shariah2.0% MSCI Islamic3.5% MSCI Islamic M-Series2.0% FTSE Shariah3.5% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.91% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.91% | no in-house ratios for this holding |
| LOW LOWE'S COMPANIES INC | NON_COMPLIANT | 0.91% | AAOIFI35.6% Usmani71.7% Dow Jones Islamic30.1% S&P Shariah31.0% MSCI Islamic71.7% MSCI Islamic M-Series31.0% FTSE Shariah63.7% |
| KDP KEURIG DR PEPPER INC | NON_COMPLIANT | 0.91% | AAOIFI58.6% Usmani30.8% Dow Jones Islamic63.3% S&P Shariah63.1% MSCI Islamic29.6% MSCI Islamic M-Series63.1% FTSE Shariah28.3% |
| ELV ELEVANCE HEALTH INC | NON_COMPLIANT | 0.90% | AAOIFI35.1% Usmani24.6% Dow Jones Islamic37.4% S&P Shariah33.5% MSCI Islamic24.6% MSCI Islamic M-Series33.5% FTSE Shariah24.6% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.90% | no in-house ratios for this holding |
| PG PROCTER & GAMBLE COMPANY (THE) | COMPLIANT | 0.90% | AAOIFI8.9% Usmani23.9% Dow Jones Islamic8.5% S&P Shariah8.5% MSCI Islamic23.9% MSCI Islamic M-Series8.5% FTSE Shariah23.2% |
| VLO VALERO ENERGY CORP | COMPLIANT | 0.90% | AAOIFI10.3% Usmani14.1% Dow Jones Islamic17.0% S&P Shariah18.0% MSCI Islamic14.1% MSCI Islamic M-Series18.0% FTSE Shariah14.1% |
| DUK DUKE ENERGY CORP | NON_COMPLIANT | 0.90% | AAOIFI95.1% Usmani45.3% Dow Jones Islamic98.9% S&P Shariah107.5% MSCI Islamic45.0% MSCI Islamic M-Series107.5% FTSE Shariah44.4% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.90% | no in-house ratios for this holding |
| WMT WALMART INC | QUESTIONABLE | 0.89% | AAOIFI6.4% Usmani21.5% Dow Jones Islamic6.9% S&P Shariah8.0% MSCI Islamic19.2% MSCI Islamic M-Series8.0% FTSE Shariah13.6% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.89% | no in-house ratios for this holding |
| TGT TARGET CORP | QUESTIONABLE | 0.89% | AAOIFI25.0% Usmani30.5% Dow Jones Islamic36.2% S&P Shariah34.4% MSCI Islamic30.5% MSCI Islamic M-Series34.4% FTSE Shariah25.1% |
| VZ VERIZON COMMUNICATIONS INC | NON_COMPLIANT | 0.88% | AAOIFI98.4% Usmani45.9% Dow Jones Islamic109.0% S&P Shariah116.8% MSCI Islamic45.9% MSCI Islamic M-Series116.8% FTSE Shariah40.3% |
| AMGN AMGEN INC | COMPLIANT | 0.88% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| ISHARES TRUST | UNSCREENED | 0.88% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.87% | no in-house ratios for this holding |
| INTC INTEL CORP | COMPLIANT | 0.86% | AAOIFI9.2% Usmani25.0% Dow Jones Islamic23.9% S&P Shariah26.3% MSCI Islamic25.0% MSCI Islamic M-Series26.3% FTSE Shariah25.0% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.85% | no in-house ratios for this holding |
| BAC BANK OF AMERICA CORP | NON_COMPLIANT | 0.84% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| MCD MCDONALD'S CORP | NON_COMPLIANT | 0.81% | AAOIFI29.7% Usmani91.1% Dow Jones Islamic26.3% S&P Shariah27.2% MSCI Islamic91.1% MSCI Islamic M-Series27.2% FTSE Shariah66.5% |
| MSFT MICROSOFT CORP | QUESTIONABLE | 0.81% | AAOIFI1.5% Usmani7.5% Dow Jones Islamic1.7% S&P Shariah1.8% MSCI Islamic7.5% MSCI Islamic M-Series1.8% FTSE Shariah5.3% |
| GWW W.W. GRAINGER INC | COMPLIANT | 0.80% | AAOIFI4.6% Usmani29.1% Dow Jones Islamic5.4% S&P Shariah5.7% MSCI Islamic29.1% MSCI Islamic M-Series5.7% FTSE Shariah25.0% |
| NVDA NVIDIA CORP | COMPLIANT | 0.74% | AAOIFI1.1% Usmani12.1% Dow Jones Islamic0.9% S&P Shariah1.1% MSCI Islamic12.1% MSCI Islamic M-Series1.1% FTSE Shariah10.4% |
| XOM EXXON MOBIL CORP | COMPLIANT | 0.74% | AAOIFI6.5% Usmani9.1% Dow Jones Islamic8.5% S&P Shariah9.0% MSCI Islamic9.1% MSCI Islamic M-Series9.0% FTSE Shariah9.1% |
| GS GOLDMAN SACHS GROUP INC (THE) | NON_COMPLIANT | 0.70% | AAOIFI147.5% Usmani20.6% Dow Jones Islamic194.6% S&P Shariah229.2% MSCI Islamic20.6% MSCI Islamic M-Series229.2% FTSE Shariah20.6% |
| RTX RTX CORP | NON_COMPLIANT | 0.69% | AAOIFI12.5% Usmani19.3% Dow Jones Islamic15.9% S&P Shariah18.5% MSCI Islamic19.3% MSCI Islamic M-Series18.5% FTSE Shariah18.4% |
| PRU PRUDENTIAL FINANCIAL INC | NON_COMPLIANT | 0.68% | AAOIFI49.0% Usmani2.6% Dow Jones Islamic56.4% S&P Shariah57.7% MSCI Islamic2.6% MSCI Islamic M-Series57.7% FTSE Shariah2.6% |
| SBUX STARBUCKS CORP | COMPLIANT | 0.67% | AAOIFI19.3% Usmani79.3% Dow Jones Islamic21.4% S&P Shariah22.1% MSCI Islamic79.3% MSCI Islamic M-Series22.1% FTSE Shariah46.9% |
| FEDERAL HOME LOAN BANKS | NON_COMPLIANT | 0.60% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.57% | no in-house ratios for this holding |
| HOUSTON CITY COMBINED UTILITY SYSTEM (TX) | UNSCREENED | 0.50% | no in-house ratios for this holding |
| C CITIGROUP INC | NON_COMPLIANT | 0.50% | AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8% |
| METROPOLITAN GOVERNMENT OF NASHVILLE & DAVIDSON COUNTY (TN) | UNSCREENED | 0.49% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.49% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.49% | no in-house ratios for this holding |
| CVS CVS HEALTH CORP | NON_COMPLIANT | 0.47% | AAOIFI61.7% Usmani30.1% Dow Jones Islamic84.9% S&P Shariah88.7% MSCI Islamic30.1% MSCI Islamic M-Series88.7% FTSE Shariah24.2% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.47% | no in-house ratios for this holding |
| TPR TAPESTRY INC | COMPLIANT | 0.47% | AAOIFI16.9% Usmani59.3% Dow Jones Islamic18.9% S&P Shariah23.7% MSCI Islamic59.3% MSCI Islamic M-Series23.7% FTSE Shariah35.8% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.47% | no in-house ratios for this holding |
| FEDERAL HOME LOAN BANKS | NON_COMPLIANT | 0.47% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.47% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.47% | no in-house ratios for this holding |
| SCHW CHARLES SCHWAB CORP (THE) | NON_COMPLIANT | 0.46% | AAOIFI14.6% Usmani5.3% Dow Jones Islamic18.7% S&P Shariah22.0% MSCI Islamic5.3% MSCI Islamic M-Series22.0% FTSE Shariah5.3% |
| KR KROGER COMPANY (THE) | NON_COMPLIANT | 0.46% | AAOIFI66.2% Usmani45.5% Dow Jones Islamic54.1% S&P Shariah57.6% MSCI Islamic45.5% MSCI Islamic M-Series57.6% FTSE Shariah31.1% |
| TSCO TRACTOR SUPPLY COMPANY | NON_COMPLIANT | 0.46% | AAOIFI35.6% Usmani53.8% Dow Jones Islamic25.1% S&P Shariah25.5% MSCI Islamic53.4% MSCI Islamic M-Series25.5% FTSE Shariah17.7% |
| CPB CAMPBELL'S COMPANY (THE) | NON_COMPLIANT | 0.46% | AAOIFI123.5% Usmani48.1% Dow Jones Islamic84.1% S&P Shariah75.7% MSCI Islamic47.6% MSCI Islamic M-Series75.7% FTSE Shariah45.6% |
| SYY SYSCO CORP | NON_COMPLIANT | 0.46% | AAOIFI38.2% Usmani54.1% Dow Jones Islamic41.2% S&P Shariah41.9% MSCI Islamic52.7% MSCI Islamic M-Series41.9% FTSE Shariah47.6% |
| AXP AMERICAN EXPRESS COMPANY | NON_COMPLIANT | 0.46% | AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2% |
| CRM SALESFORCE INC | COMPLIANT | 0.46% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| FISV FISERV INC | NON_COMPLIANT | 0.46% | AAOIFI99.4% Usmani34.6% Dow Jones Islamic38.9% S&P Shariah36.9% MSCI Islamic34.6% MSCI Islamic M-Series36.9% FTSE Shariah34.5% |
| O'REILLY AUTOMOTIVE INC | UNSCREENED | 0.46% | no in-house ratios for this holding |
| LRCX LAM RESEARCH CORP | COMPLIANT | 0.46% | AAOIFI1.0% Usmani17.5% Dow Jones Islamic2.1% S&P Shariah2.4% MSCI Islamic17.5% MSCI Islamic M-Series2.4% FTSE Shariah15.8% |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.46% | 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 OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| CLX CLOROX COMPANY | NON_COMPLIANT | 0.45% | AAOIFI— Usmani— Dow Jones Islamic— S&P Shariah— MSCI Islamic— MSCI Islamic M-Series— FTSE Shariah— |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| FMCC Federal Home Loan Mortgage Corp. | NON_COMPLIANT | 0.45% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| MCD MCDONALD'S CORP | NON_COMPLIANT | 0.45% | AAOIFI29.7% Usmani91.1% Dow Jones Islamic26.3% S&P Shariah27.2% MSCI Islamic91.1% MSCI Islamic M-Series27.2% FTSE Shariah66.5% |
| AFL AFLAC INC | NON_COMPLIANT | 0.45% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| PEP PEPSICO INC | COMPLIANT | 0.45% | AAOIFI23.4% Usmani39.4% Dow Jones Islamic22.7% S&P Shariah22.0% MSCI Islamic39.4% MSCI Islamic M-Series22.0% FTSE Shariah39.4% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.45% | no in-house ratios for this holding |
| GILD GILEAD SCIENCES INC | COMPLIANT | 0.44% | AAOIFI14.4% Usmani53.2% Dow Jones Islamic18.6% S&P Shariah21.4% MSCI Islamic53.2% MSCI Islamic M-Series21.4% FTSE Shariah53.2% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | NON_COMPLIANT | 0.44% | no in-house ratios for this holding |
| AXP AMERICAN EXPRESS COMPANY | NON_COMPLIANT | 0.44% | AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2% |
| PG PROCTER & GAMBLE COMPANY (THE) | COMPLIANT | 0.44% | AAOIFI8.9% Usmani23.9% Dow Jones Islamic8.5% S&P Shariah8.5% MSCI Islamic23.9% MSCI Islamic M-Series8.5% FTSE Shariah23.2% |
| FEDERAL FARM CREDIT BANKS FUNDING CORP | NON_COMPLIANT | 0.44% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.44% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| V VISA INC | COMPLIANT | 0.44% | AAOIFI3.5% Usmani25.2% Dow Jones Islamic15.5% S&P Shariah16.7% MSCI Islamic25.2% MSCI Islamic M-Series16.7% FTSE Shariah25.2% |
| RL RALPH LAUREN CORP | COMPLIANT | 0.43% | AAOIFI13.4% Usmani39.2% Dow Jones Islamic15.7% S&P Shariah18.9% MSCI Islamic36.2% MSCI Islamic M-Series18.9% FTSE Shariah16.2% |
| MSFT MICROSOFT CORP | QUESTIONABLE | 0.43% | AAOIFI1.5% Usmani7.5% Dow Jones Islamic1.7% S&P Shariah1.8% MSCI Islamic7.5% MSCI Islamic M-Series1.8% FTSE Shariah5.3% |
| FRISCO TEX | UNSCREENED | 0.42% | no in-house ratios for this holding |
| AAPL APPLE INC | COMPLIANT | 0.42% | AAOIFI2.1% Usmani21.5% Dow Jones Islamic2.2% S&P Shariah2.4% MSCI Islamic21.5% MSCI Islamic M-Series2.4% FTSE Shariah21.5% |
| FEDERAL HOME LOAN BANKS | NON_COMPLIANT | 0.41% | no in-house ratios for this holding |
| FDX FEDEX CORP | NON_COMPLIANT | 0.41% | AAOIFI55.5% Usmani43.2% Dow Jones Islamic60.9% S&P Shariah62.7% MSCI Islamic41.7% MSCI Islamic M-Series62.7% FTSE Shariah24.3% |
| FEDERAL HOME LOAN BANKS | NON_COMPLIANT | 0.40% | no in-house ratios for this holding |
| FEDERAL HOME LOAN BANKS | NON_COMPLIANT | 0.38% | no in-house ratios for this holding |
| LEANDER INDEPENDENT SCHOOL DISTRICT (TX) | UNSCREENED | 0.35% | no in-house ratios for this holding |
| AAPL APPLE INC | COMPLIANT | 0.34% | AAOIFI2.1% Usmani21.5% Dow Jones Islamic2.2% S&P Shariah2.4% MSCI Islamic21.5% MSCI Islamic M-Series2.4% FTSE Shariah21.5% |
| UPS UNITED PARCEL SERVICE INC | NON_COMPLIANT | 0.34% | AAOIFI32.8% Usmani40.2% Dow Jones Islamic40.1% S&P Shariah37.0% MSCI Islamic40.2% MSCI Islamic M-Series37.0% FTSE Shariah34.4% |
| SHW SHERWIN-WILLIAMS COMPANY (THE) | COMPLIANT | 0.33% | AAOIFI18.0% Usmani52.7% Dow Jones Islamic16.6% S&P Shariah17.3% MSCI Islamic52.7% MSCI Islamic M-Series17.3% FTSE Shariah44.8% |
| FEDERAL HOME LOAN BANKS | NON_COMPLIANT | 0.32% | no in-house ratios for this holding |
| JP MORGAN CHASE & COMPANY | UNSCREENED | 0.23% | no in-house ratios for this holding |
| NORTHWEST INDEPENDENT SCHOOL DISTRICT (TX) | UNSCREENED | 0.23% | no in-house ratios for this holding |
| ORCL ORACLE CORP | NON_COMPLIANT | 0.21% | AAOIFI34.1% Usmani64.0% Dow Jones Islamic30.7% S&P Shariah35.2% MSCI Islamic61.0% MSCI Islamic M-Series35.2% FTSE Shariah49.5% |
| TRUSTEES OF THE CALIFORNIA STATE UNIVERSITY (CA) | UNSCREENED | 0.21% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.12% | 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% |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.09% | no in-house ratios for this holding |
| FEDERAL HOME LOAN BANKS | NON_COMPLIANT | 0.07% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.04% | no in-house ratios for this holding |
| UPTOWN DEVELOPMENT AUTHORITY TEX TAX INCREM | UNSCREENED | 0.04% | no in-house ratios for this holding |
| LOUISIANA (LA), STATE OF | UNSCREENED | 0.04% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.04% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.03% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.02% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.02% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.01% | no in-house ratios for this holding |
| FEDERAL NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.01% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.01% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.01% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.01% | no in-house ratios for this holding |
| GOVERNMENT NATIONAL MORTGAGE ASSOCIATION | NON_COMPLIANT | 0.01% | no in-house ratios for this holding |
| FMCC FEDERAL HOME LOAN MORTGAGE CORP | NON_COMPLIANT | 0.00% | AAOIFIfail Usmani10.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic10.1% MSCI Islamic M-Seriesfail FTSE Shariah10.1% |
The published standards disagree about this fund by 11 points of portfolio weight — 31.4% of it passes S&P Shariah, 20.6% 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 31.4% ratios fail on 21.2% 46.4% not rated under AAOIFI
ratios pass on 27.2% ratios fail on 22.6% 49.1% not rated under Usmani
ratios pass on 30.8% ratios fail on 20.0% 48.1% not rated under Dow Jones Islamic
ratios pass on 31.4% ratios fail on 19.4% 48.1% not rated under S&P Shariah
ratios pass on 20.6% ratios fail on 27.4% 50.9% not rated under MSCI Islamic
ratios pass on 30.1% ratios fail on 20.7% 48.1% not rated under MSCI Islamic M-Series
ratios pass on 27.2% ratios fail on 20.8% 50.9% not rated under FTSE Shariah
62 of 149 listed holdings carry our own per-methodology verdicts (54% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 58 (52% 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 - BUREAU OF THE PUBLIC DEBT | 1.75% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 1.62% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 1.53% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 1.47% |
| LHX L3HARRIS TECHNOLOGIES INC | 1.40% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 1.38% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 1.38% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 1.38% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 1.36% |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBT | 1.35% |
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
Steward Select Bond Fund (SEAAX) 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 |
|---|---|---|
| NORTHERN INSTITUTIONAL FUNDSnot matched to a ticker | 2.02% | Not screened |
| QCOMQUALCOMM INC | 1.78% | Compliant |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBTnot matched to a ticker | 1.75% | Non-compliant |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBTnot matched to a ticker | 1.62% | Non-compliant |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBTnot matched to a ticker | 1.53% | Non-compliant |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBTnot matched to a ticker | 1.47% | Non-compliant |
| LHXL3HARRIS TECHNOLOGIES INC | 1.40% | Non-compliant |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBTnot matched to a ticker | 1.38% | Non-compliant |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBTnot matched to a ticker | 1.38% | Non-compliant |
| UNITED STATES OF AMERICA - BUREAU OF THE PUBLIC DEBTnot matched to a ticker | 1.38% | Non-compliant |
Top 10 of 149 holdings, 15.7% 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 SEAAX. 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 5 days - this is not a reading of today
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.