SPSC

SPS Commerce, Inc.

HALAL — DATA INCOMPLETEstock

Is SPSC Halal?

Retail-network, fulfillment and analytics software — generally permissible activity whose known ratios pass, with gross interest income and activity classification incomplete.

What You Should Know

SPS Commerce's March 31, 2026 Form 10-Q reports assets of $1,161.208 million, no interest-bearing debt, cash of $154.271 million, receivables of $65.106 million and quarterly revenue of $192.121 million. Debt/assets is 0.00%, liquidity/assets is 13.28% and receivables plus cash/assets is 18.45%; gross interest income and a universal prohibited-revenue numerator are not separately disclosed.

⚠️ Concerns

  • Known asset-based ratios pass, but gross interest income and activity classification remain incomplete
  • Retail, fulfillment and marketplace customer end uses
  • Platform and subscription concentration
  • Data privacy and cybersecurity
  • No universal prohibited-revenue numerator is disclosed

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
0.00%Within limit
Below 33.333% under FTSE Yasaar

0 / 1,161.208

Cash + interest-bearing securities / assets
13.29%Within limit
Below 33.333% under FTSE Yasaar

154.271 / 1,161.208

Receivables + cash / assets
18.89%Within limit
Below 50% under FTSE Yasaar

219.377 / 1,161.208

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

Debt/assets is 0.00%, liquidity/assets is 13.28% and receivables-plus-cash/assets is 18.45%; gross interest income and activity remain incomplete.

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

Known financial ratios pass; this is not an index-membership claim and activity remains incomplete.

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

Known debt and liquidity ratios pass; this is not an official classification.

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

A licensed historical market-cap series is not stored.

Business-activity disclosure

SPS Commerce provides cloud-based retail-network, fulfillment and analytics software. General-purpose commerce software is generally permissible, but customer end uses are not reduced to a universal prohibited-revenue numerator.

Limitation: No universal prohibited-activity revenue numerator or scholar-specific purification percentage is disclosed.

Purification

Gross interest income is not separately disclosed; ZakatInvest does not infer a purification amount.

Inputs, assumptions and primary sources
  • Amounts are USD thousands from SPS Commerce's March 31, 2026 Form 10-Q; this record expresses them in millions-equivalent values.
  • No interest-bearing debt is reported; operating leases are excluded.
  • Cash is $154.271 million and net accounts receivable is $65.106 million.
  • Quarterly revenue is $192.121 million. The filing does not separately disclose gross interest income.
  • Retail-network software and fulfillment services are generally permissible, but no universal prohibited-revenue numerator is disclosed.

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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