PEG

Public Service Enterprise Group Inc.

DOUBTFUL — SCREEN DOES NOT PASSstock

Is PEG Halal?

Utility activity is generally permissible, but March 2026 debt/assets is 39.11%, above the examined asset-based limits.

What You Should Know

PSEG's March 31, 2026 Form 10-Q reports $57,945M of assets, $22,665M of long-term debt, $404M of cash, $2,067M of receivables and $3,848M of quarterly operating revenue. Debt/assets is 39.11%, liquidity/assets 0.70%, receivables plus cash/assets 4.27% and interest income/revenue 0.26%. Electricity, gas distribution and nuclear generation are generally permissible activities, while the leverage and purification treatment remains methodology-dependent.

⚠️ Concerns

  • Debt/assets is 39.11%, above the examined FTSE Yasaar, MSCI and Malaysia SAC asset limits
  • PSE&G and PSEG Power rely on substantial conventional long-term debt
  • The filing reports $10M of interest income; no fixed purification percentage is asserted
  • Utility-sector methodology and school-specific treatment can differ

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-13.

USD · millions
Interest-bearing debt / assets
39.11%Above limit
Below 33.333% under FTSE Yasaar

22,665 / 57,945

Cash + interest-bearing securities / assets
0.70%Within limit
Below 33.333% under FTSE Yasaar

404 / 57,945

Receivables + cash / assets
4.26%Within limit
Below 50% under FTSE Yasaar

2,471 / 57,945

Non-compliant income / revenue
0.26%Within limit
No more than 5% under FTSE Yasaar

10 / 3,848

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

Debt/assets is 39.11%, above the examined 33.333% limit; liquidity/assets is 0.70%, receivables plus cash/assets is 4.27% and interest income/revenue is 0.26%.

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

Debt/assets is 39.11%, above the examined MSCI 33.33% limit; other identified ratios are below their limits.

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

Debt/assets is 39.11%, above the examined Malaysia SAC 33% limit.

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

No licensed historical market-cap series is stored.

Business-activity disclosure

PSEG owns a regulated electric and natural-gas utility and nuclear-generation assets. Electricity and utility services are generally permissible, but the capital structure is heavily debt-funded and methodology-specific utility treatment varies.

Limitation: The filing quantifies interest income but does not provide a universal prohibited-revenue numerator for utility activities.

Purification

The filing reports $10 million of interest income; ZakatInvest shows it as disclosed income but does not prescribe a scholar-approved purification percentage.

Inputs, assumptions and primary sources
  • Amounts are USD millions from the March 31, 2026 Form 10-Q.
  • Long-term debt is $22,665 million in the filing's consolidated debt table; cash is $404 million and accounts receivable is $2,067 million.
  • Quarterly operating revenue is $3,848 million and interest income is $10 million.

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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