TRU
TransUnion
Is TRU Halal?
Credit-information core business and a 46.54% debt/assets screen.
What You Should Know
TransUnion's March 31, 2026 filing shows debt/assets 46.54%, liquidity/assets 6.09%, receivables plus cash/assets 14.77%, and disclosed interest income of 0.58% of quarterly revenue. Its core credit-reporting and scoring services support conventional lending decisions; the quantitative debt failure and qualitative activity concern remain material.
⚠️ Concerns
- •Core credit-reporting and scoring services facilitate conventional lending
- •Debt screen fails at 46.54% of assets
- •Activity revenue is not quantified
Current quantitative Sharia screen
Based on 10-Q figures for the period ended 2026-03-31; calculated 2026-07-14.
5,607.4 / 12,047.3
733.1 / 12,047.3
1,779.9 / 12,047.3
7.2 / 1,245.7
- Financial
- Fails
- Overall
- Fails
Debt is 46.54% of total assets, above the examined 33.333% limit; liquidity is 6.09% and receivables plus cash are 14.77%.
- Financial
- Fails
- Overall
- Fails
Debt is 46.54% of total assets, above the examined 33.33% limit; liquidity and receivables-plus-cash remain below their limits. This is not an index-membership claim.
- Financial
- Fails
- Overall
- Fails
Debt is 46.54% of total assets, above the examined 33% limit, while identifiable liquidity is below 33%. This is a calculation against SAC ratios, not an official classification.
- Financial
- Not calculated
- Overall
- Not calculated
A properly licensed and reproducible 24- or 36-month issuer market-cap history is not stored, so market-cap methods are not estimated from a current spot price.
Business-activity disclosure
TransUnion is a consumer and commercial credit-information, scoring and analytics provider. Its core services support conventional lending and credit decisions, creating a material qualitative riba concern.
Limitation: The filing does not provide a scholar-approved prohibited-revenue allocation for credit-reporting, scoring, insurance and adjacent data products.
Purification
The filing separately reports interest income at 0.58% of quarterly revenue, but ZakatInvest does not prescribe a fixed scholar-approved purification percentage and the core credit-information activity remains impermissible under the qualitative assessment.
Inputs, assumptions and primary sources
- Debt combines $205.0 million of current long-term debt with $5,402.4 million of long-term debt.
- Cash uses $732.5 million of cash and cash equivalents. The $0.6 million marketable-securities balance is included as an identifiable interest-bearing security proxy.
- Trade accounts receivable are $1,047.4 million and quarterly revenue is $1,245.7 million.
- The filing separately reports $7.2 million of interest income, or 0.58% of quarterly revenue; this is a disclosed income line, not a scholar-approved purification prescription.
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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