INSP

Inspire Medical Systems, Inc.

HALAL — SCREEN DOES NOT PASSstock

Is INSP Halal?

Implantable neurostimulation medical devices — generally permissible activity, but the current liquidity/assets screen fails.

What You Should Know

Inspire Medical Systems' March 31, 2026 Form 10-Q reports assets of $911.376 million, no interest-bearing debt, cash of $98.932 million, short- and long-term debt securities of $300.784 million, receivables of $105.088 million and quarterly revenue of $204.583 million. Debt/assets is 0.00%, liquidity/assets is 43.86% and receivables plus cash/assets is 22.39%; liquidity exceeds the examined 33.333% limits. Investment income of $3.741 million (interest and dividends) is shown as a conservative upper bound, and no universal prohibited-revenue numerator is disclosed.

⚠️ Concerns

  • Liquidity/assets is 43.86%, above examined 33.333% limits
  • Investment income combines interest and dividends and is 1.83% of quarterly revenue as a conservative upper bound
  • Single-product and therapy-area concentration
  • Regulatory, reimbursement and physician-adoption risks
  • No universal prohibited-revenue numerator is disclosed

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 / 911.376

Cash + interest-bearing securities / assets
43.86%Above limit
Below 33.333% under FTSE Yasaar

399.716 / 911.376

Receivables + cash / assets
22.39%Within limit
Below 50% under FTSE Yasaar

204.02 / 911.376

Non-compliant income / revenue (upper bound)
1.83%Within limit
No more than 5% under FTSE Yasaar

3.741 / 204.583

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

Liquidity/assets is 43.86%, above the examined 33.333% limit; debt/assets is 0.00%, receivables-plus-cash/assets is 22.39% and investment income is 1.83% of revenue.

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

Liquidity/assets is 43.86%, above the examined MSCI 33.33% total-assets limit; debt and receivables-plus-cash pass.

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

Identifiable liquidity/assets is 43.86%, above the examined Malaysia 33% limit; this is 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; liquidity failure is independently documented.

Business-activity disclosure

Inspire Medical Systems develops and sells an implantable neurostimulation system for obstructive sleep apnea. Medical-device manufacturing and patient-therapy activity are generally permissible, but the filing does not provide a universal prohibited-revenue numerator.

Limitation: No universal prohibited-activity revenue numerator or scholar-specific purification percentage is disclosed; clinical, reimbursement and downstream use remain qualitative.

Purification

The filing combines interest and dividend investment income; ZakatInvest uses the $3.741 million line as a conservative upper bound and does not prescribe a fixed purification percentage.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Inspire Medical Systems' March 31, 2026 Form 10-Q.
  • No interest-bearing debt is reported at period end; operating leases are excluded.
  • Cash is $98.932 million, short- and long-term debt securities total $300.784 million, and accounts receivable, net is $105.088 million.
  • First-quarter revenue is $204.583 million and investment income (interest and dividends) is $3.741 million, shown as a conservative upper bound rather than a purification prescription.
  • The implantable neurostimulation medical-device business is retained as qualitative activity analysis; no universal prohibited-revenue numerator is disclosed.

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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