ICE

Intercontinental Exchange

HARAM — SCREEN DOES NOT PASSstock

Is ICE Halal?

Derivatives and financial exchange — facilitates speculative trading and bonds.

What You Should Know

ICE operates financial exchanges for derivatives, futures, clearing, fixed-income data, and mortgage technology. Its March 31, 2026 Form 10-Q reports $179,177 million of assets, $20,370 million of debt, $1,817 million of cash plus identified restricted investments, $2,382 million of customer receivables, and $3,666 million of quarterly revenue. The examined financial ratios pass, but derivatives, exchange, clearing, margin, and conventional fixed-income infrastructure remain a direct qualitative business-activity failure.

⚠️ Concerns

  • Derivatives exchanges facilitate gharar and speculative contracts
  • Bond, fixed-income, clearing, and margin infrastructure
  • Customer funds and market structure require continuing Sharia review
  • Disclosed interest income was $24 million

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
11.37%Within limit
Below 33.333% under FTSE Yasaar

20,370 / 179,177

Cash + interest-bearing securities / assets
1.01%Within limit
Below 33.333% under FTSE Yasaar

1,817 / 179,177

Receivables + cash / assets
1.81%Within limit
Below 50% under FTSE Yasaar

3,245 / 179,177

Non-compliant income / revenue
0.65%Within limit
No more than 5% under FTSE Yasaar

24 / 3,666

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

Debt/assets is 11.37%, liquidity/assets is 1.01%, receivables plus cash/assets is 1.81%, and disclosed interest income is 0.65%; the direct exchange and derivatives business fails independently.

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

The examined financial ratios pass, but the core exchange and derivatives business fails; this is not an index-membership claim.

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

Debt/assets and liquidity/assets are below the examined 33% limits, but the core business fails; 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
Fails

Market-cap methods are not calculated; the direct business-activity failure independently prevents a pass.

Business-activity disclosure

ICE operates exchanges, clearing houses, derivatives and futures markets, fixed-income and data services, and mortgage technology. Its core exchange and derivatives infrastructure involves gharar, speculation, and conventional debt-market facilitation concerns.

Limitation: Segment revenue detail does not create a permissible carve-out from the core exchange, clearing, and derivatives activities.

Purification

Interest income of 24 is disclosed, but purification cannot cure a direct core-business failure.

Inputs, assumptions and primary sources
  • Amounts are USD millions from ICE's March 31, 2026 Form 10-Q.
  • Debt includes short-term debt of 1,751 and long-term debt of 18,619.
  • Interest-bearing securities include short-term restricted investments of 884 and long-term restricted investments of 70; customer margin deposits and guaranty funds are excluded as restricted customer balances.
  • Customer accounts receivable are 2,382 and quarterly total revenues are 3,666.
  • Interest income is 24; total revenue is used as a conservative upper-bound prohibited-revenue proxy because exchange and derivatives infrastructure are the core activity.

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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