CAMT

Camtek Ltd.

HALAL — SCREEN DOES NOT PASSstock

Is CAMT Halal?

Inspection and metrology equipment for semiconductor manufacturing — a generally permissible technology business, but the latest filing-based screen fails its debt, liquidity and disclosed-interest-income tests.

What You Should Know

Camtek Ltd. designs and manufactures inspection and metrology systems used in semiconductor fabrication and advanced packaging. The activity is generally permissible, but its December 31, 2025 Form 20-F reports $519.833 million of convertible notes, $673.253 million of deposits and marketable securities, and $29.037 million of interest income on $496.072 million of revenue. On the filing-based total-assets calculations, debt is 41.26%, identifiable liquidity is 67.56%, and disclosed interest income is 5.85%; the quantitative result therefore fails the examined FTSE, MSCI and Malaysia asset screens. Customer end use and prohibited-revenue classification remain qualitative, and market-cap denominators are not calculated.

⚠️ Concerns

  • The latest filing-based debt/assets ratio is 41.26%, above the examined 33% limits
  • Deposits and marketable securities are 67.56% of assets, above the examined liquidity limits
  • Disclosed interest income is 5.85% of fiscal revenue; ZakatInvest does not prescribe a fixed purification percentage
  • AI, advanced-packaging, China and Asia-Pacific exposure are qualitative activity and concentration considerations

Current quantitative Sharia screen

Based on 20-F figures for the period ended 2025-12-31; calculated 2026-07-15.

USD · millions
Interest-bearing debt / assets
41.26%Above limit
Below 33.333% under FTSE Yasaar

519.833 / 1,259.833

Cash + interest-bearing securities / assets
67.56%Above limit
Below 33.333% under FTSE Yasaar

851.101 / 1,259.833

Receivables + cash / assets
21.33%Within limit
Below 50% under FTSE Yasaar

268.677 / 1,259.833

Non-compliant income / revenue
5.85%Above limit
No more than 5% under FTSE Yasaar

29.037 / 496.072

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

Debt/assets is 41.26%, liquidity/assets is 67.56% and disclosed interest income is 5.85%; debt, liquidity and income exceed the examined limits.

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

Debt/assets is 41.26% and liquidity/assets is 67.56%, above the examined MSCI total-assets limits; this is not an index-membership claim.

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

Debt/assets is 41.26% and identifiable deposits and marketable securities are 67.56% of total assets, above the examined Malaysia limits; this is not an official classification.

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

A licensed historical market-cap series is not stored; the asset-based debt and liquidity screens fail independently.

Business-activity disclosure

Camtek designs and sells inspection and metrology systems for semiconductor fabrication and advanced packaging, including applications supporting high-bandwidth memory and AI-related production. The general-purpose equipment activity is generally permissible, but the filing does not provide a universal prohibited-revenue numerator for all customer end uses.

Limitation: The filing does not classify every customer, end use or application by a universal Sharia category; activity remains qualitative.

Purification

Camtek discloses $29.037 million of interest income for 2025, but ZakatInvest does not prescribe a scholar-approved purification percentage.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Camtek's December 31, 2025 Form 20-F.
  • Interest-bearing debt is the $519.833 million carrying value of convertible notes; operating liabilities are excluded.
  • Cash and cash equivalents are $177.848 million. Interest-bearing securities include $411.450 million of short-term deposits, $78.862 million of current marketable securities and $182.941 million of non-current marketable securities.
  • Net trade accounts receivable is $90.829 million and fiscal-year revenue is $496.072 million.
  • The filing reports $29.037 million of interest income for 2025; no fixed purification percentage is prescribed.
  • Camtek's inspection, metrology and advanced-packaging equipment is generally permissible, while customer end-use and geographic concentration remain qualitative.

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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