BJ
BJ's Wholesale Club
Is BJ Halal?
Wholesale retail — financial ratios pass, but product and card activity require review.
What You Should Know
BJ's May 2, 2026 filing reports debt/assets of 9.76%, liquidity/assets of 0.35% and receivables plus cash/assets of 4.39%; gross interest income is not separately disclosed. Wholesale retail is generally permissible, while alcohol, tobacco, non-halal food, fuel and co-brand card structures require review.
⚠️ Concerns
- •Alcohol, tobacco and non-halal food products
- •Gasoline and co-brand card arrangements
- •Very low unrestricted liquidity
Current quantitative Sharia screen
Based on 10-Q figures for the period ended 2026-05-02; calculated 2026-07-14.
774.172 / 7,928.998
27.826 / 7,928.998
347.762 / 7,928.998
- Financial
- Incomplete
- Overall
- Incomplete
Debt is 9.76% of assets, liquidity is 0.35% and receivables plus cash are 4.39%; gross interest income is unavailable.
- Financial
- Pass
- Overall
- Incomplete
Examined financial ratios are below the total-assets limits; this is not an index-membership claim.
- Financial
- Pass
- Overall
- Incomplete
Examined financial ratios are below Malaysia SAC limits; this is not an official classification.
- Financial
- Not calculated
- Overall
- Incomplete
A licensed historical market-cap series is not stored.
Business-activity disclosure
BJ's operates membership warehouse clubs and gas stations. Retail is generally permissible, while alcohol, tobacco, non-halal meat, fuel, co-brand cards and supply-chain finance require qualitative review.
Limitation: The filing does not quantify a scholar-specific prohibited-revenue or gross interest-income numerator; this is not an official Sharia classification.
Purification
Gross interest income is unavailable and no scholar-approved purification percentage is prescribed; no fixed amount is estimated.
Inputs, assumptions and primary sources
- Amounts are USD thousands converted to millions from BJ's May 2, 2026 Form 10-Q.
- Debt includes $375 million short-term debt and $399.172 million long-term debt; operating leases are excluded.
- Cash is $27.826 million and no separately identified unrestricted interest-bearing securities are added.
- Net accounts receivable are $319.936 million and quarterly total revenue is $5,661.5 million.
- Gross interest income and a universal prohibited-revenue numerator are not separately disclosed.
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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