APPN

Appian Corporation

HALAL — SCREEN DOES NOT PASSstock

Is APPN Halal?

Low-code automation platform with permissible business model.

What You Should Know

Appian provides low-code development platform for enterprise applications. Core business is halal, acceptable debt levels under Islamic screens. Its March 31, 2026 Form 10-Q reports $623.363 million of assets, $238.426 million of interest-bearing debt, $150.025 million of cash, $55.963 million of investments, $173.874 million of receivables and $202.180 million of quarterly revenue. Debt/assets is 38.25%, liquidity/assets is 33.04%, receivables-plus-cash/assets is 51.96%, and disclosed interest income is 0.74% of revenue; debt and receivables fail the examined asset-based screens.

⚠️ Concerns

  • Debt/assets 38.25% exceeds examined limits
  • Receivables-plus-cash/assets 51.96% exceeds examined limits
  • Interest income on investments
  • Government and regulated-industry end uses

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-15.

USD · millions
Interest-bearing debt / assets
38.25%Above limit
Below 33.333% under FTSE Yasaar

238.426 / 623.363

Cash + interest-bearing securities / assets
33.04%Within limit
Below 33.333% under FTSE Yasaar

205.988 / 623.363

Receivables + cash / assets
51.96%Above limit
Below 50% under FTSE Yasaar

323.899 / 623.363

Non-compliant income / revenue
0.74%Within limit
No more than 5% under FTSE Yasaar

1.5 / 202.18

FTSE Yasaar
v4.6, February 2026
Financial
Fails
Overall
Fails

Debt/assets is 38.25%, liquidity/assets is 33.04%, receivables-plus-cash/assets is 51.96% and disclosed interest income is 0.74% of revenue; debt and receivables exceed the examined limits.

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

Debt/assets is 38.25% and receivables-plus-cash/assets is 51.96%, above the examined MSCI limits; liquidity/assets is 33.04%.

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

Debt/assets is 38.25%, above the examined Malaysia limit; this is a calculation against SAC ratios, not an official classification.

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

A properly licensed and reproducible historical market-cap series is not stored; filing-based asset ratios remain documented.

Business-activity disclosure

Appian provides low-code process-automation software and related services. The core activity is generally permissible, while government, financial-services, healthcare and AI end uses require qualitative review.

Limitation: The filing does not provide a universal prohibited-activity numerator across customers, product workflows and professional services.

Purification

Appian reports $1.5 million of interest income on investments, but does not provide a complete prohibited-activity numerator or scholar-approved purification percentage.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Appian's March 31, 2026 Form 10-Q.
  • Interest-bearing debt is $238.426 million, comprising the $62.0 million revolving facility and $177.062 million secured term loan, net of issuance costs; operating lease liabilities are excluded.
  • Cash and cash equivalents are $150.025 million and short-term investments and marketable securities are $55.963 million.
  • Accounts receivable are $173.874 million, quarterly revenue is $202.180 million and interest income on investments is $1.5 million.
  • Process-automation software is generally permissible, but government, financial-services, healthcare and AI customer end uses are not reduced to a universal prohibited-activity revenue numerator.

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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