CVE

Cenovus Energy Inc.

DOUBTFUL — METHODS DIFFERstock

Is CVE Halal?

Canadian integrated energy company — current financial ratios pass, while oil-sands and downstream ethics remain qualitative.

What You Should Know

Cenovus's 2025 Form 40-F reports debt/assets of 17.34%, liquidity/assets of 4.32%, receivables plus cash/assets of 9.74%, and a conservative interest-received ratio of 0.28% of revenue. Its oil-sands, refining, marketing, trading, emissions, water, reclamation, and Indigenous-rights impacts remain material qualitative concerns.

⚠️ Concerns

  • Oil-sands extraction, emissions, water, land and reclamation impacts
  • Refining, marketing, trading and derivative contracts require review
  • Interest-bearing debt and cash-management structures
  • Worker safety, spills, climate transition and community impacts

Current quantitative Sharia screen

Based on 40-F figures for the period ended 2025-12-31; calculated 2026-07-14.

CAD · millions
Interest-bearing debt / assets
17.34%Within limit
Below 33.333% under FTSE Yasaar

11,000 / 63,424

Cash + interest-bearing securities / assets
4.32%Within limit
Below 33.333% under FTSE Yasaar

2,740 / 63,424

Receivables + cash / assets
9.74%Within limit
Below 50% under FTSE Yasaar

6,175 / 63,424

Non-compliant income / revenue (upper bound)
0.28%Within limit
No more than 5% under FTSE Yasaar

141 / 49,696

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

Debt/assets is 17.34%, liquidity/assets is 4.32%, receivables plus cash/assets is 9.74%, and the conservative income ratio is 0.28%; the business numerator remains undisclosed.

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

The calculated total-assets ratios are below the examined MSCI limits, but the business-activity percentage is not reproducible from the filing.

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

Debt and liquidity are below the examined Malaysia limits; this is not an official SAC classification.

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

A licensed, reproducible 24- or 36-month market-cap series is not stored.

Business-activity disclosure

Cenovus produces, refines, transports, and markets oil and natural-gas products; energy extraction and processing require both industry-level and contract-level qualitative review.

Limitation: The filing does not provide a school-neutral prohibited-revenue numerator for trading, derivatives, financing, downstream products, or environmental liabilities.

Purification

Interest received was CAD 141 million, or a conservative 0.28% of 2025 revenue. The figure is disclosed as an upper bound and not a prescribed investor purification percentage.

Inputs, assumptions and primary sources
  • Amounts are CAD millions from Cenovus's 2025 Form 40-F.
  • Interest-bearing debt uses reported borrowings of CAD 11,000 million; lease liabilities are not added separately to avoid double counting the reported borrowing balance.
  • Cash is CAD 2,740 million. No separate current interest-bearing securities balance was identified in the selected filing inputs.
  • Revenue uses 2025 revenue of CAD 49,696 million. Interest received of CAD 141 million is used only as a conservative purification upper bound, not as a universal prohibited-income measure.

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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