CARR

Carrier Global Corp.

HALAL — METHODS DIFFERstock

Is CARR Halal?

HVAC and climate solutions — permissible industrial products.

What You Should Know

Carrier's March 31, 2026 filing shows debt/assets 32.70%, liquidity/assets 3.69%, receivables plus cash/assets 12.10%, and interest income/revenue 0.39%. Climate products are generally permissible, while project financing, transportation refrigeration and end-use activity remain qualitative concerns.

⚠️ Concerns

  • Debt near the 33% threshold
  • Project financing obligations
  • Interest income requires methodology-specific treatment
  • End-use revenue not quantified

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-14.

USD · millions
Interest-bearing debt / assets
32.70%Within limit
Below 33.333% under FTSE Yasaar

12,158 / 37,186

Cash + interest-bearing securities / assets
3.69%Within limit
Below 33.333% under FTSE Yasaar

1,371 / 37,186

Receivables + cash / assets
12.10%Within limit
Below 50% under FTSE Yasaar

4,501 / 37,186

Non-compliant income / revenue
0.39%Within limit
No more than 5% under FTSE Yasaar

21 / 5,341

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

Debt is 32.70%, liquidity is 3.69%, receivables plus cash is 12.10%, and disclosed interest income is 0.39%; each is below the examined FTSE thresholds. Business activity remains unquantified.

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

Debt is 32.70%, liquidity is 3.69%, and receivables plus cash is 12.10%, below the examined total-assets limits. This is not an index-membership claim; activity revenue remains undisclosed.

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

Debt and identifiable liquidity are below 33% of total assets. This is a calculation against SAC ratios, not an official classification; screened activities remain unavailable.

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 24- or 36-month issuer market-cap history is not stored, so market-cap methods are not estimated from a current spot price.

Business-activity disclosure

Carrier Global provides heating, cooling, refrigeration, building automation and climate-energy solutions. Industrial climate products are generally permissible, but project financing, transportation refrigeration and downstream customer uses require qualitative review.

Limitation: The filing does not provide a reproducible prohibited-revenue numerator for project financing, transportation refrigeration, military or other scholar-specific end uses.

Purification

Disclosed interest income is $21 million, or 0.39% of quarterly net sales, but ZakatInvest does not prescribe a fixed purification percentage and screened activities remain incomplete.

Inputs, assumptions and primary sources
  • Debt combines $731 million of commercial paper and other short-term borrowings with $11,427 million of long-term debt, including the $1,005 million current portion.
  • Cash uses $1,371 million of cash and cash equivalents; no separate interest-bearing securities balance is identified in the cited balance sheet.
  • Accounts receivable are $3,130 million and quarterly net sales are $5,341 million.
  • Disclosed interest income is $21 million, or 0.39% of quarterly net sales; no universal purification rate is prescribed here.

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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