AAPL
Apple Inc.
Is AAPL Halal?
Methodology-dependent: Apple's core business is generally permissible, but its March 2026 balance sheet does not pass several total-assets liquidity screens.
What You Should Know
Apple's core business (consumer electronics, software, services) is generally permissible under Islamic law. Financial services and conventional investment income may require purification under some methodologies, but Apple does not disclose enough detail to publish an exact percentage. The current quantitative review adds an important distinction: debt passes the examined total-assets screens, while conventional cash and identifiable interest-bearing investments exceed their liquidity limits. Market-cap methods can produce a different result and require a reproducible historical market-cap series.
⚠️ Concerns
- •Small financial services revenue may require purification, but Apple does not disclose enough detail to publish a reliable percentage
- •Cash and identifiable interest-bearing investments were 39.25% of total assets at March 28, 2026
- •Apple does not separately disclose potentially non-compliant Services revenue
Current quantitative Sharia screen
Based on 10-Q figures for the period ended 2026-03-28; calculated 2026-07-12.
84,711 / 371,082
145,660 / 371,082
99,083 / 371,082
- Financial
- Fails
- Overall
- Fails
Debt and receivables pass, but cash plus identifiable interest-bearing securities are 39.25% of total assets, above the 33.333% limit.
- Financial
- Fails
- Overall
- Fails
Debt and receivables-plus-cash pass, but cash plus identifiable interest-bearing securities are above the 33.33% total-assets limit.
- Financial
- Fails
- Overall
- Fails
Identifiable conventional cash and interest-bearing instruments are above 33% of total assets. This is a calculation against the SAC ratios, not an official SAC classification of a U.S.-listed security.
- Financial
- Not calculated
- Overall
- Not calculated
A properly licensed and reproducible 24- or 36-month issuer market-cap history is not yet stored, so these methods are not estimated from a current spot price.
Business-activity disclosure
Apple's disclosed core business remains consumer devices, software, and digital services, which are not prohibited categories by themselves.
Limitation: Apple reports Services as one combined category and does not separately disclose revenue from potentially non-compliant content, payment products, or other screened activities. A defensible prohibited-revenue percentage cannot be calculated from this filing alone.
Purification
The filing reports net other income/expense but does not separately disclose non-compliant income. No purification percentage is published because deriving one from a net aggregate would be misleading.
Inputs, assumptions and primary sources
- Interest-bearing debt is commercial paper of 1,997 plus current term debt of 8,310 plus non-current term debt of 74,404.
- Interest-bearing securities are current and non-current marketable securities of 101,023 less 935 of mutual funds whose underlying classification is not disclosed in the filing.
- Accounts receivable includes 30,339 of trade receivables and 23,172 of vendor non-trade receivables.
- Revenue is the six-month total through March 28, 2026 so it aligns with the filing used for the balance-sheet inputs.
This is a reproducible financial screen, not a fatwa. A failed total-assets screen can coexist with a pass under a market-cap methodology. ZakatInvest keeps the qualitative assessment separate so numerical thresholds do not erase material context.
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