GVA

Granite Construction

HALAL — DATA INCOMPLETEstock

Is GVA Halal?

Infrastructure construction — permissible civil engineering.

What You Should Know

Granite Construction builds and develops infrastructure. Core construction services are permissible. Its March 31, 2026 Form 10-Q reports $3,779.639 million of assets, $1,240.981 million of interest-bearing debt, $265.714 million of cash, $81.807 million of marketable securities, $636.513 million of receivables and $912.465 million of quarterly revenue. Debt/assets is 32.83%, liquidity/assets is 9.19%, receivables-plus-cash/assets is 23.87%, and disclosed interest income is 0.64% of revenue; the filing-based ratios pass, while project end uses remain qualitative.

⚠️ Concerns

  • Construction industry debt
  • Cyclical revenues
  • Government and transportation contracts
  • Interest income

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
32.83%Within limit
Below 33.333% under FTSE Yasaar

1,240.981 / 3,779.639

Cash + interest-bearing securities / assets
9.19%Within limit
Below 33.333% under FTSE Yasaar

347.521 / 3,779.639

Receivables + cash / assets
23.87%Within limit
Below 50% under FTSE Yasaar

902.227 / 3,779.639

Non-compliant income / revenue
0.64%Within limit
No more than 5% under FTSE Yasaar

5.849 / 912.465

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

Debt/assets is 32.83%, liquidity/assets is 9.19%, receivables-plus-cash/assets is 23.87%, and disclosed income is 0.64% of revenue; business activity remains incomplete.

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

Debt/assets is 32.83%, liquidity/assets is 9.19% and receivables-plus-cash/assets is 23.87%, all below the examined MSCI limits; project activity remains qualitative.

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

Debt/assets is 32.83% and liquidity/assets is 9.19%; activity remains incomplete and 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
Incomplete

A properly licensed and reproducible historical market-cap series is not stored; filing-based asset ratios remain documented.

Business-activity disclosure

Granite provides civil construction, infrastructure and aggregates. The core activity is generally permissible, while project end uses, government contracts and materials customers require qualitative review.

Limitation: The filing does not allocate every contract and customer end use into a universal prohibited-activity numerator.

Purification

Granite discloses $5.849 million of interest income but does not provide a complete prohibited-activity numerator or scholar-approved purification percentage.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Granite's March 31, 2026 Form 10-Q.
  • Interest-bearing debt combines current maturities of $379.794 million and long-term debt of $861.187 million; operating lease liabilities are excluded.
  • Cash and cash equivalents are $265.714 million; short- and long-term marketable securities total $81.807 million.
  • Receivables, net are $636.513 million and quarterly revenue is $912.465 million. Interest income is $5.849 million.
  • Construction and aggregates are generally permissible, but project end uses, government contracts and customer activities 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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