MCO
Moody's Corp.
Is MCO Halal?
Credit ratings — facilitates riba-based debt markets.
What You Should Know
Moody's rates bonds and debt instruments for credit risk. Its March 31, 2026 Form 10-Q reports $14,732 million of assets, $6,963 million of debt, $1,510 million of cash plus short-term investments, $2,044 million of receivables, and $2,079 million of quarterly revenue. Debt/assets is 47.27%, and the core ratings and debt-market infrastructure business remains a direct business-activity failure under the retained qualitative analysis.
⚠️ Concerns
- •Debt/assets is 47.27% and exceeds the examined asset-based limits
- •Facilitates bond/riba markets
- •Credit analysis for interest instruments
- •Research and data support conventional investment and lending decisions
Current quantitative Sharia screen
Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-14.
6,963 / 14,732
1,510 / 14,732
3,513 / 14,732
- Financial
- Fails
- Overall
- Fails
Debt/assets is 47.27%, above 33.333%; liquidity/assets is 10.25% and receivables plus cash/assets is 23.84%. The core business also fails.
- Financial
- Fails
- Overall
- Fails
Debt/assets is 47.27%, above the examined 33.33% limit; the core business also fails. This is not an index-membership claim.
- Financial
- Fails
- Overall
- Fails
Debt/assets is 47.27%, above the examined 33% limit; the core business also fails. This is not an official SAC classification.
- Financial
- Not calculated
- Overall
- Fails
Market-cap methods are not calculated; debt and direct business-activity failures independently prevent a pass.
Business-activity disclosure
Moody's core MIS business rates debt issuances and provides credit, structured-finance, and financial-market analytics; those activities directly facilitate conventional riba-based capital markets.
Limitation: Segment and product revenue detail does not create a halal carve-out from the core ratings and debt-market infrastructure business.
Purification
Interest income is not separately quantified in a reproducible numerator; purification cannot cure a direct core-business failure.
Inputs, assumptions and primary sources
- Amounts are USD millions from Moody's March 31, 2026 Form 10-Q.
- Debt includes current portion of long-term debt of 576 and long-term debt of 6,387.
- Liquidity includes cash and cash equivalents of 1,469 and short-term investments of 41; mutual funds are excluded.
- Receivables are 2,044 and quarterly revenue is 2,079.
- Moody's does not provide a reproducible standalone non-compliant income numerator; total revenue is used as a conservative upper-bound prohibited-revenue proxy because credit ratings 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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