RNG

RingCentral Inc.

HALAL — SCREEN DOES NOT PASSstock

Is RNG Halal?

Cloud communications and collaboration platform with permissible business.

What You Should Know

RingCentral provides cloud-based business communications services including phone, video, and messaging. Core business is halal, manageable debt within Sharia screens. Its March 31, 2026 Form 10-Q reports $1,421.629 million of assets, $1,159.378 million of interest-bearing debt, $116.578 million of cash, $362.536 million of receivables and $644.199 million of quarterly revenue. Debt/assets is 81.55%, liquidity/assets is 8.20%, receivables-plus-cash/assets is 33.70%, and disclosed interest income is 0.09% of revenue; the debt screen fails across the examined asset-based methods.

⚠️ Concerns

  • Debt/assets 81.55% exceeds examined limits
  • AI-powered customer-engagement products
  • Interest expense and refinancing risk
  • Customer and regulated-industry end uses

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
81.55%Above limit
Below 33.333% under FTSE Yasaar

1,159.378 / 1,421.629

Cash + interest-bearing securities / assets
8.20%Within limit
Below 33.333% under FTSE Yasaar

116.578 / 1,421.629

Receivables + cash / assets
33.70%Within limit
Below 50% under FTSE Yasaar

479.114 / 1,421.629

Non-compliant income / revenue
0.09%Within limit
No more than 5% under FTSE Yasaar

0.6 / 644.199

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

Debt/assets is 81.55%, liquidity/assets is 8.20%, receivables-plus-cash/assets is 33.70% and disclosed interest income is 0.09% of revenue; debt exceeds the examined FTSE limit.

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

Debt/assets is 81.55% and receivables-plus-cash/assets is 33.70%, above the examined MSCI limits; liquidity/assets is 8.20%.

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

Debt/assets is 81.55%, above the examined Malaysia limit; this is a calculation against SAC ratios, not an official classification.

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

A properly licensed and reproducible historical market-cap series is not stored; filing-based asset ratios remain documented.

Business-activity disclosure

RingCentral provides cloud communications, contact-center, video, events and AI products. The core communications activity is generally permissible, while AI, device and customer end uses require qualitative review.

Limitation: The filing does not provide a universal prohibited-activity numerator across communications products, customers and workflows.

Purification

RingCentral discloses $0.6 million of interest income, but does not provide a complete prohibited-activity numerator or scholar-approved purification percentage.

Inputs, assumptions and primary sources
  • Amounts are USD millions from RingCentral's March 31, 2026 Form 10-Q.
  • Interest-bearing debt is the $1,159.378 million net carrying amount of the 2030 senior notes and term loan; operating lease liabilities are excluded.
  • Cash and cash equivalents are $116.578 million; the filing does not identify a separate marketable-securities balance for this screen.
  • Accounts receivable are $362.536 million, quarterly revenue is $644.199 million and disclosed interest income is $0.6 million.
  • Cloud communications, contact-center and collaboration services are generally permissible, but AI features, device sales and customer end uses require qualitative review.

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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