Zoya checks whether a stock is halal. Shibui screens for halal stocks that also meet your investment criteria, across 60+ years of financial data.
Zoya is a halal stock screener used by over 100,000 investors. It does one thing well: you search a ticker, and Zoya tells you whether it is halal, doubtful, or not compliant according to AAOIFI-aligned financial ratios. The app includes portfolio tracking, purification and zakat calculators, and curated halal stock baskets. For a quick compliance check on a specific company, Zoya is fast and clear.
The question Zoya does not answer is what comes next. Once you know which stocks are halal, how do you find the ones worth investing in? Which compliant stocks have growing revenue, strong cash flow, and reasonable valuations? That is where the two tools diverge. Zoya gives you the compliance filter. Shibui gives you the analytical depth to screen within the compliant universe.
What Shibui does differently
Screen for compliance and investment quality in one question
Zoya users verify compliance, then switch to a separate tool for fundamental analysis. Some maintain spreadsheets of hundreds of compliant tickers that they re-check quarterly, manually transferring symbols between apps.
"Find stocks where debt-to-total-assets is below 33%, interest income is less than 5% of revenue, and revenue grew more than 15% year-over-year. Exclude gambling, alcohol, and tobacco sectors. Show P/E, market cap, and free cash flow."
Claude checks the AAOIFI ratios from the latest quarterly filings, applies GICS sector exclusions, and layers the fundamental criteria on top. One query, one set of results. No manual cross-referencing between a compliance app and a separate screener.
Build a custom halal investment score
Zoya gives a binary verdict: halal or not. A stock at 5% debt-to-assets is treated the same as one at 32%. There is no ranking within the compliant universe, no nuance about how close a company is to the threshold or how strong its fundamentals are.
"For stocks passing AAOIFI screening, score each on: revenue growth above 15% (1 point), EPS growth above 15% (1 point), positive free cash flow (1 point), P/E below 30 (1 point), within 10% of 52-week high (1 point). Show stocks scoring 4 or 5 out of 5."
The scoring system is entirely user-defined. Claude computes each criterion from different data sources (financial statements, valuation, technical indicators), assigns points, and ranks the results. Change the criteria, adjust the thresholds, add a sixth criterion. Shibui runs whatever scoring logic you describe.
Backtest halal strategies across time
No halal screener offers backtesting. Zoya shows current compliance status. It cannot tell you how a halal-compliant portfolio with specific quality criteria would have performed historically.
"How did AAOIFI-compliant stocks with revenue growth above 15% and P/E below 25 perform over the past 5 years compared to the broad market?"
Shibui has 64 years of financial data. Claude applies the compliance and fundamental filters to each historical period, tracks performance, and returns the results. This type of strategy validation is standard methodology in academic finance, now accessible through plain English.
Track compliance changes quarter by quarter
Companies cross compliance thresholds after leveraged acquisitions, revenue shifts, or changes in how they manage cash. Zoya shows the current status. It does not show how a company's compliance ratios have trended over time, or when they last changed.
"Show the quarterly debt-to-total-assets ratio and interest income percentage for Apple, NVIDIA, and Amazon over the past 2 years. Flag any quarter where either ratio crossed 33%."
Claude retrieves the actual quarterly filing data and checks each period individually. You see which companies are solidly compliant (ratios well below the threshold for every quarter) and which are borderline (ratios that fluctuate near the cutoff). That distinction matters for portfolio risk management.
Check your portfolio in bulk
Zoya checks one ticker at a time, or syncs with a linked brokerage account for portfolio monitoring. If you have a list of 20 stocks you want checked, each one is a separate lookup.
"Check AAOIFI compliance for these 20 stocks: AAPL, MSFT, NVDA, AVGO, COST, V, MU, HIMS, RCAT, IREN, NBIS, SPIR, PLPC, ALGM, AMKR, PDFS, IRMD, GTX, HLIO, ISSC. Show debt-to-assets, interest income percentage, and compliance status for each."
Claude runs the ratios for all 20 in one query and returns a structured result. No one-at-a-time lookups, no waiting for each page to load.
What Zoya does better
Zoya is a dedicated mobile app built specifically for halal investing. Search a ticker, tap, see the verdict. The compliance methodology is explained clearly, with references to AAOIFI standards. There is no learning curve and no setup required. For the question "is this stock halal?", Zoya answers in seconds.
The portfolio features are designed for halal investors: compliance change alerts when a stock in your portfolio shifts status, a purification calculator for dividends from partially non-compliant holdings, and a zakat calculator. Curated baskets (high-quality halal, halal growth, halal dividend) give beginners a starting point without requiring them to build their own screens.
Zoya also handles ETF screening by analyzing the underlying fund holdings, something no individual-stock screener does natively. And it requires no technical knowledge. You do not need to know what AAOIFI ratios are, or what thresholds to apply. Zoya handles that for you.
Which tool is right for you?
If you want quick compliance checks on individual stocks, portfolio monitoring with alerts, and purification and zakat calculators, Zoya is built for that. It is the best mobile experience for halal compliance and the right tool for investors who want clear verdicts without needing to understand the underlying ratios.
If you want to screen the market for halal stocks that also meet your investment criteria, build custom scoring systems, backtest strategies, or track compliance trends across time, that is what Shibui does. Shibui is a data tool, not a halal app. It gives you the financial data and the flexibility to define your own screening logic. Many investors will use both: Zoya for daily quick checks, Shibui for research sessions.