INTU

Intuit Inc.

DOUBTFUL — METHODS DIFFERstock

Is INTU Halal?

Tax/accounting software is generally permissible, but Credit Karma and lending products require methodology-dependent review.

What You Should Know

Intuit's April 30, 2026 filing shows debt/assets of 15.67%, liquidity/assets of 17.62%, receivables plus cash/assets of 14.02% and disclosed interest income/revenue of 0.49%. TurboTax and QuickBooks are generally permissible; Credit Karma personal loans, credit products and insurance, QuickBooks Capital, customer funds and interest-bearing investments create material qualitative questions.

⚠️ Concerns

  • Credit Karma facilitates personal loans, credit products and insurance with riba-related exposure
  • QuickBooks Capital and other financing products require contract and interest review
  • Customer funds and interest-bearing investments affect the quantitative screen
  • Financial ratios pass the examined asset-based screens, but activity classification remains incomplete

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-04-30; calculated 2026-07-14.

USD · millions
Interest-bearing debt / assets
15.67%Within limit
Below 33.333% under FTSE Yasaar

6,162 / 39,330

Cash + interest-bearing securities / assets
17.62%Within limit
Below 33.333% under FTSE Yasaar

6,930 / 39,330

Receivables + cash / assets
14.02%Within limit
Below 50% under FTSE Yasaar

5,515 / 39,330

Non-compliant income / revenue
0.49%Within limit
No more than 5% under FTSE Yasaar

42 / 8,558

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

Debt/assets is 15.67%, liquidity/assets is 17.62%, receivables plus cash/assets is 14.02% and disclosed interest income/revenue is 0.49%, below the examined limits; Credit Karma and lending activity remain incompletely allocated.

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

Debt/assets is 15.67%, liquidity/assets is 17.62% and receivables plus cash/assets is 14.02%, below the examined MSCI total-assets limits; activity classification remains incomplete.

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

The examined ratios pass at debt/assets 15.67% and liquidity/assets 17.62%; activity classification remains incomplete and this is not an official classification.

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

A licensed historical market-cap series is not stored and business classification remains incomplete, so market-cap methods are not estimated from a current spot price.

Business-activity disclosure

Intuit provides tax and accounting software through TurboTax and QuickBooks, alongside Credit Karma consumer-finance products. Tax and accounting tools are generally permissible, but personal loans, credit products, QuickBooks Capital and related customer-funds and data workflows require continuing qualitative review.

Limitation: The filing does not allocate revenue into a universal prohibited-activity numerator for Credit Karma lending, insurance and credit products, QuickBooks financing, customer funds or downstream use.

Purification

Intuit discloses $42 million of interest income but does not prescribe a scholar-approved purification percentage; the disclosed ratio is evidence for the income screen, not a complete purification prescription.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Intuit's April 30, 2026 Form 10-Q and rounded to the nearest million.
  • Debt includes $750 million of short-term debt and $5,412 million of long-term debt; operating leases are excluded.
  • Cash and cash equivalents are $4,681 million; available-for-sale corporate notes and U.S. agency securities total $2,249 million. Funds held for customers are excluded.
  • Accounts receivable, net are $834 million and third-quarter net revenue is $8,558 million; disclosed interest income is $42 million.
  • The filing does not allocate Credit Karma, lending or other product revenue into a universal prohibited-activity numerator.

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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