COUR

Coursera, Inc.

HALAL — SCREEN DOES NOT PASSstock

Is COUR Halal?

Online education and professional-learning platform with a net-cash balance sheet — a permissible business.

What You Should Know

Coursera, Inc. operates an online learning platform offering courses, certificates and degrees. Its March 31, 2026 Form 10-Q reports $1,000.5 million of assets, no conventional debt, $789.8 million of cash, $60.0 million of receivables and $195.7 million of quarterly revenue. Debt/assets is 0.00%, but cash/assets is 78.94% and receivables-plus-cash/assets is 84.94%; gross interest income is not separately disclosed. Education is qualitatively permissible, while the current asset-based screen is incomplete to failing depending on methodology.

⚠️ Concerns

  • March 2026 filing-based cash/assets is 78.94% and receivables-plus-cash/assets is 84.94%, so zero debt alone does not produce a complete quantitative pass
  • Gross interest income is not separately disclosed; do not invent a purification percentage
  • Course, partner and enterprise-customer content remains qualitative
  • As a younger, pre-consistent-profit company, re-screen each filing

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-15.

USD · millions
Interest-bearing debt / assets
0.00%Within limit
Below 33.333% under FTSE Yasaar

0 / 1,000.5

Cash + interest-bearing securities / assets
78.94%Above limit
Below 33.333% under FTSE Yasaar

789.8 / 1,000.5

Receivables + cash / assets
84.94%Above limit
Below 50% under FTSE Yasaar

849.8 / 1,000.5

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

Debt/assets is 0.00%, but liquidity/assets is 78.94% and receivables-plus-cash/assets is 84.94%, above the examined asset limits.

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

Known debt is zero, but liquidity and receivables-plus-cash exceed the examined total-assets limits; gross interest income and business allocation remain incomplete.

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

Liquidity/assets is 78.94% and receivables-plus-cash/assets is 84.94%; 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 licensed historical market-cap series is not stored; the filing-based liquidity failure remains documented.

Business-activity disclosure

Coursera operates an online education and professional-learning platform offering courses, certificates and degree programs. Education is generally permissible, but the filing does not classify every course, partner or customer use by a universal Sharia category.

Limitation: No universal prohibited-activity revenue numerator or scholar-specific purification percentage is disclosed, and gross interest income is unavailable.

Purification

Gross interest income is not separately disclosed and no scholar-approved purification percentage is asserted.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Coursera's March 31, 2026 Form 10-Q.
  • No conventional interest-bearing debt or separately identified interest-bearing securities are reported; operating lease liabilities are excluded.
  • Cash and cash equivalents are $789.8 million and net accounts receivable are $60.0 million.
  • First-quarter revenue is $195.7 million; the filing does not separately disclose a gross interest-income numerator usable for purification.
  • Online education, courses and professional learning are generally permissible, while individual course content and customer use 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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