CCL

Carnival Corp.

DOUBTFUL — SCREEN DOES NOT PASSstock

Is CCL Halal?

Cruise line company — leisure with alcohol services.

What You Should Know

Carnival operates cruise ships with onboard sales and entertainment. Its May 2026 Form 10-Q reports $52,228 million of assets, $24,889 million of interest-bearing debt, $2,243 million of cash, $633 million of receivables and $6,663 million of quarterly revenue. Debt/assets is 47.65%, liquidity/assets is 4.29%, receivables-plus-cash/assets is 5.51%, and disclosed interest income is 0.18%; passenger-cruise, alcohol, gambling and entertainment revenue are not isolated into a universal prohibited-revenue numerator.

⚠️ Concerns

  • Alcohol on ships
  • Entertainment and gambling at sea
  • Debt/assets exceeds the examined 33.333% limits
  • Onboard activity mix is not fully classified

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-05-31; calculated 2026-07-14.

USD · millions
Interest-bearing debt / assets
47.65%Above limit
Below 33.333% under FTSE Yasaar

24,889 / 52,228

Cash + interest-bearing securities / assets
4.29%Within limit
Below 33.333% under FTSE Yasaar

2,243 / 52,228

Receivables + cash / assets
5.51%Within limit
Below 50% under FTSE Yasaar

2,876 / 52,228

Non-compliant income / revenue
0.18%Within limit
No more than 5% under FTSE Yasaar

12 / 6,663

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

Debt/assets is 47.65%, above the examined 33.333% limit; liquidity/assets is 4.29% and receivables-plus-cash/assets is 5.51%.

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

Debt/assets is 47.65%, above the examined MSCI 33.33% limit; disclosed interest income is 0.18% of revenue and activity classification remains incomplete.

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

Debt/assets is above the examined Malaysia 33% 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
Fails

A properly licensed and reproducible historical market-cap series is not stored; the debt failure remains independently documented.

Business-activity disclosure

Carnival operates passenger cruises with onboard sales, entertainment and hospitality. Cruise transportation can be permissible, but alcohol, gambling and other onboard activities are material qualitative concerns.

Limitation: The filing discloses onboard and other revenue but does not isolate a universal prohibited-activity numerator across ships, brands and jurisdictions.

Purification

Carnival discloses $12 million of interest income, but does not provide a complete prohibited-activity numerator; no definitive purification percentage is invented.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Carnival's May 31, 2026 Form 10-Q.
  • Interest-bearing debt is $1,471 million of current debt plus $23,418 million of long-term debt.
  • Cash and cash equivalents are $2,243 million; no separate interest-bearing securities balance is identified.
  • Trade and other receivables are $633 million.
  • Revenue is $6,663 million for the three months ended May 31, 2026; disclosed interest income is $12 million.
  • Passenger-cruise, onboard sales and entertainment/gambling/alcohol activities are not reduced to a universal prohibited-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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