AGCO

AGCO Corporation

HALAL — METHODS DIFFERstock

Is AGCO Halal?

Agricultural equipment and precision-farming technology are generally permissible, and AGCO's current asset-based financial ratios pass; its Rabobank-linked captive-finance joint ventures require separate qualitative review.

What You Should Know

AGCO's March 31, 2026 Form 10-Q reports $12,040.9 million of total assets, $2,574.2 million of interest-bearing debt, $514.9 million of cash, $1,242.3 million of accounts and notes receivable and $2,342.9 million of quarterly net sales. Those inputs produce debt/assets of 21.38%, liquidity of 4.28% and receivables plus cash/assets of 14.59%. Equity in net earnings of affiliates was $18.0 million, primarily from AGCO Finance joint ventures; that is used as a conservative upper-bound finance-income proxy equal to 0.77% of sales, not asserted to be pure interest income. Agricultural machinery, implements and precision-agriculture technology are generally permissible, while the captive-finance contracts and post-divestiture business mix remain qualitative review topics. This is a current ZakatInvest calculation, not an index-membership claim.

⚠️ Concerns

  • Debt/assets of 21.38%, liquidity of 4.28% and receivables plus cash/assets of 14.59% pass the examined asset-based limits
  • AGCO Finance joint ventures with Rabobank provide retail and wholesale financing; equity-method income of $18.0 million is a conservative upper-bound proxy, not a pure interest-income disclosure
  • The 2024 Grain & Protein divestiture changed the perimeter; historical porcine or poultry-systems exposure should not be silently carried into current operations
  • Agricultural-equipment demand is cyclical and exposed to farmer income, commodity prices, tariffs, inventory and dealer-financing conditions
  • PTx Trimble precision-agriculture technology raises data, autonomy, repairability and environmental diligence topics
  • Market-cap denominator methods are not calculated without a licensed historical market-cap series

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-13.

USD · millions
Interest-bearing debt / assets
21.38%Within limit
Below 33.333% under FTSE Yasaar

2,574.2 / 12,040.9

Cash + interest-bearing securities / assets
4.28%Within limit
Below 33.333% under FTSE Yasaar

514.9 / 12,040.9

Receivables + cash / assets
14.59%Within limit
Below 50% under FTSE Yasaar

1,757.2 / 12,040.9

Non-compliant income / revenue (upper bound)
0.77%Within limit
No more than 5% under FTSE Yasaar

18 / 2,342.9

FTSE Yasaar
v4.6, February 2026
Financial
Pass
Overall
Incomplete

Debt is 21.38%, liquidity is 4.28%, receivables plus cash are 14.59% and the AGCO Finance upper-bound income proxy is 0.77%; the examined financial ratios pass, while business and contract allocation remain incomplete.

MSCI Islamic (total-assets series)
October 2024 methodology
Financial
Pass
Overall
Incomplete

Debt, liquidity and receivables plus cash pass the examined MSCI total-assets limits. AGCO Finance and product-level business allocation remain qualitative; this is a calculation against the named method, not an index-membership claim.

Malaysia SAC financial ratios
single 5% activity benchmark adopted November 2025
Financial
Pass
Overall
Incomplete

Debt is 21.38%, liquidity is 4.28% and the finance-income upper-bound proxy is 0.77%; business and contract allocation remains incomplete. This is a calculation against SAC ratios, not an official classification of a U.S.-listed security.

Market-cap denominator methods
MSCI M-Series, S&P and Dow Jones methods differ
Financial
Not calculated
Overall
Not calculated

A properly licensed and reproducible historical market-cap series is not stored, so these methods are not estimated from a current spot price.

Business-activity disclosure

AGCO designs, manufactures and distributes tractors, combines, implements, hay-and-forage equipment, application equipment and precision-agriculture technology under brands including Fendt, Massey Ferguson, Valtra, Challenger, Gleaner and PTx Trimble. These agricultural-equipment activities are generally permissible at the issuer level.

Limitation: Public segment reporting does not provide a universal prohibited-revenue numerator by product, customer end use or financing structure. AGCO Finance is separately discussed as an equity joint venture, but the filing does not allocate a corporate prohibited-revenue percentage.

Purification

The agricultural-equipment activity is generally permissible, but AGCO Finance income is disclosed only as equity in earnings of affiliates and no universal prohibited-revenue numerator or fixed scholar-approved purification percentage is asserted.

Inputs, assumptions and primary sources
  • Inputs use AGCO's March 31, 2026 Form 10-Q; amounts are USD millions.
  • Assets use reported total assets of $12,040.9 million. Cash and cash equivalents were $514.9 million and accounts and notes receivable net were $1,242.3 million.
  • Debt uses $555.5 million of borrowings due within one year plus $2,018.7 million of long-term debt less current portion and debt issuance costs. Operating lease liabilities are not silently added.
  • No separately disclosed interest-bearing securities balance is entered. AGCO's affiliate investments and receivables are not double-counted as securities.
  • Quarterly net sales were $2,342.9 million. Equity in net earnings of affiliates was $18.0 million, primarily from AGCO Finance joint ventures; it is used as a conservative upper bound for potentially finance-related income, not asserted to be pure interest income.
  • The filing does not allocate a reproducible prohibited-revenue numerator for agricultural products, customer use, financing activity or the post-divestiture Grain & Protein perimeter. No unsupported haram-revenue percentage is asserted.

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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