IP

International Paper Co.

HALAL — METHODS DIFFERstock

Is IP Halal?

Paper and packaging — permissible industrial products.

What You Should Know

International Paper's March 31, 2026 filing shows debt/assets 24.96%, liquidity/assets 3.39%, receivables plus cash/assets 14.43%, and interest income/revenue 0.94%. Paper and packaging are generally permissible, while forestry, DS Smith integration and downstream end uses remain qualitative concerns.

⚠️ Concerns

  • Forestry and land-use obligations
  • DS Smith integration changes the perimeter
  • Interest income requires methodology-specific treatment
  • End-use revenue not quantified

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
24.96%Within limit
Below 33.333% under FTSE Yasaar

9,093 / 36,434

Cash + interest-bearing securities / assets
3.39%Within limit
Below 33.333% under FTSE Yasaar

1,236 / 36,434

Receivables + cash / assets
14.43%Within limit
Below 50% under FTSE Yasaar

5,258 / 36,434

Non-compliant income / revenue
0.94%Within limit
No more than 5% under FTSE Yasaar

56 / 5,971

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

Debt is 24.96%, liquidity is 3.39%, receivables plus cash is 14.43%, and disclosed interest income is 0.94%; each is below the examined FTSE thresholds. Business activity remains unquantified.

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

Debt, liquidity and receivables plus cash are below the examined total-assets limits. This is not an index-membership claim; screened activity revenue remains undisclosed.

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

Debt and identifiable liquidity are below 33% of total assets. This is a calculation against SAC ratios, not an official classification; screened activity revenue remains unavailable.

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 24- or 36-month issuer market-cap history is not stored, so market-cap methods are not estimated from a current spot price.

Business-activity disclosure

International Paper produces paper, packaging and related fiber products. Paper and packaging are generally permissible industrial activities, but forestry, recycled-fiber sourcing, DS Smith integration and downstream end uses require qualitative review.

Limitation: The filing does not provide a reproducible prohibited-revenue numerator for forestry, fiber sourcing, packaging end uses or other scholar-specific activity categories.

Purification

Disclosed interest income is $56 million, or 0.94% of quarterly net sales, but ZakatInvest does not prescribe a fixed purification percentage and screened operating-revenue categories remain incomplete.

Inputs, assumptions and primary sources
  • Debt combines $918 million of notes payable and current maturities with $8,175 million of long-term debt.
  • Cash uses $1,236 million of cash and cash equivalents. The filing does not identify a separate interest-bearing securities balance for this input.
  • Accounts and notes receivable are $4,022 million and quarterly net sales are $5,971 million.
  • The filing reports $56 million of interest income, or 0.94% of quarterly net sales; no universal purification rate is prescribed here.

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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