CL

Colgate-Palmolive Co.

HALAL — SCREEN DOES NOT PASSstock

Is CL Halal?

Permissible consumer-product core, but the current asset-based financial screen fails on elevated debt and product-level ingredient evidence remains incomplete.

What You Should Know

Colgate-Palmolive's March 31, 2026 filing reports debt/assets of 48.00%, cash plus marketable securities/assets of 8.54%, receivables plus cash/assets of 19.41% and disclosed interest income/revenue of 0.30%. Oral care, household products and pet nutrition are generally permissible areas, while animal-derived ingredients, pet-food formulations and local-market assortment require qualitative review.

⚠️ Concerns

  • Debt/assets is 48.00% and exceeds the examined FTSE, MSCI and Malaysia total-assets limits
  • Some personal-care formulations may contain animal-derived ingredients
  • Hill's pet nutrition products require product- and school-specific review
  • Interest income is disclosed but no universal purification percentage is prescribed
  • Debt-funded acquisitions, restructuring and global supply-chain obligations require continuing review

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-13.

USD · millions
Interest-bearing debt / assets
48.00%Above limit
Below 33.333% under FTSE Yasaar

7,973 / 16,610

Cash + interest-bearing securities / assets
8.54%Within limit
Below 33.333% under FTSE Yasaar

1,419 / 16,610

Receivables + cash / assets
19.41%Within limit
Below 50% under FTSE Yasaar

3,224 / 16,610

Non-compliant income / revenue
0.30%Within limit
No more than 5% under FTSE Yasaar

16 / 5,324

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

Debt is 48.00% and exceeds the examined FTSE limit; liquidity is 8.54%, receivables plus cash are 19.41% and disclosed interest income is 0.30%. The financial screen fails on debt.

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

Debt is 48.00% and exceeds the examined MSCI total-assets limit, although liquidity and receivables plus cash are below their limits. This is a calculation against the named method, not an index-membership claim.

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

Debt is 48.00% and exceeds the examined Malaysia SAC financial limit; liquidity is 8.54%. This is a calculation against SAC ratios, not an official classification of a U.S.-listed security.

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 historical market-cap series is not stored, so these methods are not estimated from a current spot price.

Business-activity disclosure

Colgate-Palmolive sells oral-care, personal-care, home-care and pet-nutrition products. Hygiene and ordinary consumer goods are generally permissible, while product ingredients, pet-food formulations and country-specific assortment require continuing review.

Limitation: The filing does not allocate revenue by animal-derived ingredient, pet-food formulation, alcohol, pork or other product-level category into a universal prohibited-revenue numerator; no blanket zero-concern claim is made.

Purification

Colgate discloses interest income but does not prescribe a scholar-approved purification percentage. Readers should follow the qualified scholar or methodology they use rather than applying an invented fixed rate.

Inputs, assumptions and primary sources
  • Inputs use Colgate-Palmolive's March 31, 2026 Form 10-Q; amounts are USD millions as presented in the filing.
  • Debt uses $36 million payable within one year plus $7,937 million of long-term debt, including commercial paper classified as long term when refinanced. Operating obligations are not entered as conventional debt.
  • Cash uses $1,335 million of cash and cash equivalents. Marketable securities of $84 million reported in other current assets are entered separately.
  • Receivables use the reported $1,889 million net receivables balance.
  • Quarterly net sales are $5,324 million and disclosed interest income is $16 million. No fixed purification percentage is prescribed.

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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