HUBS

HubSpot Inc.

DOUBTFUL — SCREEN DOES NOT PASSstock

Is HUBS Halal?

CRM and marketing software can be permissible, but identifiable interest-bearing liquidity exceeds examined total-assets limits and customer-use revenue is not disclosed.

What You Should Know

HubSpot's March 2026 identifiable liquidity is 44.16% of total assets. Public reporting does not allocate revenue by customer activity, marketing use, data practice, AI-agent deployment or prohibited category.

⚠️ Concerns

  • Identifiable interest-bearing liquidity exceeds examined limits
  • Customer, advertising, data and AI-agent use revenue is not disclosed
  • Privacy, profiling, consent and security review
  • Stock compensation and customer-use governance

Current quantitative Sharia screen

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

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

0 / 3,829,258

Cash + interest-bearing securities / assets
44.16%Above limit
Below 33.333% under FTSE Yasaar

1,691,052 / 3,829,258

Receivables + cash / assets
33.92%Within limit
Below 50% under FTSE Yasaar

1,298,887 / 3,829,258

Non-compliant income / revenue
1.46%Within limit
No more than 5% under FTSE Yasaar

12,884 / 880,995

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

Identifiable liquidity is 44.16%, above the 33.333% total-assets limit. Debt is 0.00%, receivables plus cash is 33.92%, and disclosed interest income is 1.46%.

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

Identifiable liquidity is 44.16%, above the 33.33% total-assets limit.

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

Identifiable conventional cash and interest-bearing instruments are 44.16% of total assets, above the 33% limit.

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.

Business-activity disclosure

HubSpot provides CRM, marketing, sales, service, content, operations and AI-agent tools. General-purpose customer-platform software can support legitimate commerce and service, while end uses and customers vary.

Limitation: Public disclosure does not provide a reproducible allocation by customer activity, advertising, financial activity, data practice, AI-agent deployment, contract or prohibited category.

Purification

Disclosed interest income is 1.46% of quarterly revenue and passes the examined income limit, but screened operating revenue is unavailable; this is not a complete fixed purification prescription.

Inputs, assumptions and primary sources
  • The March 31 balance sheet reports no funded debt. HubSpot has a revolving credit agreement, but unused borrowing capacity is not treated as debt.
  • Cash uses 943,937 and short-term investments use 747,115. The filing identifies available-for-sale debt securities including U.S. Treasury and agency securities.
  • Accounts receivable use 354,950 net. Revenue and interest income use the matching quarter.
  • The filing separately reports 12,884 interest income.
  • Subscription and professional-services revenue are not disclosed by customer activity, marketing use, advertising, data practice, AI-agent deployment, contract or prohibited category.

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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