NTRA

Natera, Inc.

HALAL — SCREEN DOES NOT PASSstock

Is NTRA Halal?

Genetic diagnostics — prenatal and cancer testing is permissible medical science.

What You Should Know

Natera develops cell-free DNA testing technology used for prenatal screening (Panorama), cancer monitoring (Signatera), and organ transplant rejection detection (Prospera). Its March 31, 2026 Form 10-Q reports $2,614.398 million of assets, $80.305 million of short-term debt financing, $1,087.932 million of cash, $417.595 million of receivables and $696.644 million of quarterly revenue. Debt/assets is 3.07%, but liquidity/assets is 41.61% and receivables-plus-cash/assets is 57.59%; the examined FTSE, MSCI and Malaysia asset-based financial screens therefore fail despite the generally permissible diagnostic business. The filing's mixed interest-and-other-income line is $9.600 million, or 1.38% of revenue, and is not a fixed purification rate.

⚠️ Concerns

  • Not yet profitable — high R&D spending
  • Prenatal testing used for non-medical decisions by some (application concern, not the product)
  • Large cash and receivables balances exceed several asset-based limits
  • Interest-and-other-income line is mixed and not a purification ruling

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
3.07%Within limit
Below 33.333% under FTSE Yasaar

80.305 / 2,614.398

Cash + interest-bearing securities / assets
41.61%Above limit
Below 33.333% under FTSE Yasaar

1,087.932 / 2,614.398

Receivables + cash / assets
57.59%Above limit
Below 50% under FTSE Yasaar

1,505.527 / 2,614.398

Non-compliant income / revenue (upper bound)
1.38%Within limit
No more than 5% under FTSE Yasaar

9.6 / 696.644

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

Debt/assets is 3.07%, but liquidity/assets is 41.61% and receivables-plus-cash/assets is 57.59%, above the examined FTSE limits; the mixed income upper bound is 1.38% of revenue.

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

Liquidity/assets is 41.61% and receivables-plus-cash/assets is 57.59%, above the examined MSCI total-assets limits; debt/assets remains below its limit.

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

Liquidity/assets is 41.61%, above the examined Malaysia 33% limit; debt/assets is below its limit. This is a calculation against the named ratios, not an official classification.

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

A licensed historical market-cap series is not stored; the liquidity and receivables failures remain independently documented.

Business-activity disclosure

Natera develops and provides molecular and genetic diagnostic testing for women's health, oncology and organ health. The core diagnostic activity is generally permissible.

Limitation: The filing does not allocate every test, licensing contract or downstream patient decision into a scholar-approved prohibited-revenue numerator.

Purification

Natera reports a mixed $9.600 million interest-and-other-income line and does not provide a scholar-approved purification percentage; no fixed rate is invented.

Inputs, assumptions and primary sources
  • Amounts are USD millions converted from Natera's March 31, 2026 Form 10-Q values reported in thousands.
  • Interest-bearing debt is the $80.305 million short-term debt-financing balance; operating lease liabilities and contingent consideration are excluded.
  • Cash, cash equivalents and restricted cash total $1,087.932 million; no separately identified interest-bearing securities balance is added.
  • Accounts receivable are $417.595 million net; first-quarter total revenue is $696.644 million.
  • The filing reports $9.600 million of interest and other income, net, a mixed line that includes interest, investment remeasurement and other items; it is used only as a conservative upper bound.
  • Genetic diagnostics for oncology, women's health and organ health are generally permissible medical services; prenatal application and data-use questions remain qualitative.

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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