LUMN

Lumen Technologies

HARAM — SCREEN DOES NOT PASSstock

Is LUMN Halal?

Telecom with extremely high debt violating Sharia limits.

What You Should Know

Lumen (formerly CenturyLink) provides enterprise telecommunications. While telecom business is permissible, debt levels far exceed Islamic finance thresholds. Its March 31, 2026 Form 10-Q reports $30,622 million of assets, $12,960 million of interest-bearing debt, $1,625 million of cash, $1,603 million of receivables and $2,899 million of quarterly operating revenue. Debt/assets is 42.32%, liquidity/assets is 5.31%, receivables-plus-cash/assets is 10.54% and disclosed interest income is 0.48% of revenue; debt fails the examined asset-based screens.

⚠️ Concerns

  • Debt/assets 42.32% exceeds examined limits
  • Extremely high interest-bearing debt
  • Debt restructuring and refinancing
  • Interest income

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
42.32%Above limit
Below 33.333% under FTSE Yasaar

12,960 / 30,622

Cash + interest-bearing securities / assets
5.31%Within limit
Below 33.333% under FTSE Yasaar

1,625 / 30,622

Receivables + cash / assets
10.54%Within limit
Below 50% under FTSE Yasaar

3,228 / 30,622

Non-compliant income / revenue
0.48%Within limit
No more than 5% under FTSE Yasaar

14 / 2,899

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

Debt/assets is 42.32%, liquidity/assets is 5.31%, receivables-plus-cash/assets is 10.54% and disclosed interest income is 0.48% of revenue; debt exceeds the examined FTSE limit.

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

Debt/assets is 42.32%, above the examined MSCI 33.33% limit; liquidity/assets and receivables-plus-cash/assets are 5.31% and 10.54%.

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

Debt/assets is 42.32%, above the examined Malaysia limit; this is a calculation against SAC ratios, not an official classification.

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

A properly licensed and reproducible historical market-cap series is not stored; filing-based asset ratios remain documented.

Business-activity disclosure

Lumen provides enterprise telecommunications, fiber and network services. The core connectivity activity is generally permissible, while customer end uses and contract mix require qualitative review.

Limitation: The filing does not provide a universal prohibited-activity revenue numerator across customers, network services and government contracts.

Purification

Lumen discloses $14 million of interest income, but does not provide a complete prohibited-activity numerator or scholar-approved purification percentage.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Lumen's March 31, 2026 Form 10-Q.
  • Interest-bearing debt is $35 million of current maturities plus $12,925 million of long-term debt; operating lease liabilities are excluded.
  • Cash and cash equivalents are $1,625 million; the filing does not identify a separate interest-bearing securities balance for this screen.
  • Accounts receivable are $1,603 million, quarterly operating revenue is $2,899 million and disclosed interest income is $14 million.
  • Enterprise telecommunications, fiber and network services are generally permissible, while customer end uses, government contracts and debt financing require qualitative review.

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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