MMM
3M Company
Is MMM Halal?
Diversified manufacturing is generally permissible, but current debt/assets fails the financial screens and product-risk review remains material.
What You Should Know
3M makes safety, industrial, transportation, electronics and consumer products. Its March 31, 2026 filing reports debt/assets of 35.43%, liquidity/assets of 11.71%, receivables plus cash/assets of 21.12% and interest income/revenue of 0.81%. PFAS, litigation settlements, medical and industrial end-use questions remain qualitative concerns.
⚠️ Concerns
- •Debt/assets is 35.43% and exceeds the examined FTSE, MSCI and Malaysia limits
- •Chemical, PFAS, environmental-remediation and product-liability matters are material
- •Medical, safety and industrial products require end-use and customer diligence
- •Debt, litigation settlements, pension obligations, labor and supply-chain impacts require review
Current quantitative Sharia screen
Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-14.
12,556 / 35,436
4,149 / 35,436
7,483 / 35,436
49 / 6,030
- Financial
- Fails
- Overall
- Fails
Debt/assets is 35.43%, above the examined 33.333% limit; liquidity/assets is 11.71%, receivables plus cash/assets is 21.12% and interest income/revenue is 0.81%.
- Financial
- Fails
- Overall
- Fails
Debt/assets is 35.43%, exceeding the examined MSCI total-assets debt limit; other measured ratios are below the cited limits.
- Financial
- Fails
- Overall
- Fails
Debt/assets is 35.43%, above the examined Malaysia SAC financial limit; this is not an official classification.
- Financial
- Not calculated
- Overall
- Fails
A licensed historical market-cap series is not stored; the debt screen fails independently.
Business-activity disclosure
3M manufactures safety, industrial, transportation, electronics and consumer products. These activities are generally permissible, while medical, chemical, PFAS-related, defense-adjacent and settlement-linked product questions require continuing qualitative review.
Limitation: The filing does not allocate every product line, end use, chemical exposure or government-linked contract into a universal prohibited-activity numerator.
Purification
3M discloses interest income but does not prescribe a scholar-approved purification percentage; readers should follow the methodology and scholar they use.
Inputs, assumptions and primary sources
- Amounts are USD millions from 3M's March 31, 2026 Form 10-Q and rounded to the nearest million.
- Debt includes short-term borrowings/current long-term debt of $1,650 million and long-term debt of $10,906 million; operating leases are excluded.
- Cash is $3,729 million. Marketable securities are $420 million on the balance sheet; equity in Solventum is excluded.
- Accounts receivable, net is $3,754 million. First-quarter net sales are $6,030 million and disclosed interest income is $49 million.
- The filing describes a diversified marketable-securities portfolio of certificates of deposit, commercial paper, government and municipal securities.
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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