PM

Philip Morris International

HARAM — SCREEN DOES NOT PASSstock

Is PM Halal?

Global tobacco and nicotine company with a failed quantitative debt screen.

What You Should Know

Philip Morris's March 31, 2026 Form 10-Q reports $68,913m assets, $51,900m debt, $5,450m cash and $6,390m receivables. Debt/assets is 75.31%; combustible tobacco and nicotine products drive the qualitative fail.

⚠️ Concerns

  • Cigarettes and combustible tobacco
  • Debt/assets far above examined limits
  • Nicotine dependence and health harm

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-14.

USD · millions
Interest-bearing debt / assets
75.31%Above limit
Below 33.333% under FTSE Yasaar

51,900 / 68,913

Cash + interest-bearing securities / assets
7.91%Within limit
Below 33.333% under FTSE Yasaar

5,450 / 68,913

Receivables + cash / assets
17.18%Within limit
Below 50% under FTSE Yasaar

11,840 / 68,913

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

Debt/assets is 75.31%, above the examined 33.333% limit; the tobacco-business screen also fails.

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

Debt/assets is above the examined MSCI limit and the tobacco-business screen fails.

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

Debt/assets is above the examined Malaysia limit; this is not an official SAC classification.

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

A licensed historical market-cap series is not stored.

Business-activity disclosure

Philip Morris sells combustible tobacco, smoke-free nicotine products and related oral and e-vapor products. The tobacco and nicotine core business fails the site's conservative harm-based qualitative screen.

Limitation: The activity numerator uses total reported revenue as a conservative proxy and is not an official Sharia classification.

Purification

The filing does not isolate a complete non-compliant-income amount; ZakatInvest does not prescribe a fixed purification percentage.

Inputs, assumptions and primary sources
  • Amounts are USD millions from PMI's March 31, 2026 Form 10-Q.
  • Receivables are trade plus other receivables; equity investments are not counted as interest-bearing securities.
  • The filing reports interest expense but does not provide a complete non-compliant-income numerator.
  • Combustible tobacco revenue was $5,767m and total tobacco-related revenue is the conservative activity proxy.

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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