USLM

United States Lime & Minerals, Inc.

DOUBTFUL — SCREEN DOES NOT PASSstock

Is USLM Halal?

Lime and limestone production is permissible, but the unusually large cash and receivable balances fail the examined liquidity screens.

What You Should Know

United States Lime & Minerals mines limestone and produces lime and limestone products for construction, environmental, industrial and agricultural applications. Its March 31, 2026 Form 10-Q reports assets of $713.837 million, no funded interest-bearing debt, cash of $383.165 million and trade receivables of $58.111 million. Debt/assets is 0.00%, but liquidity/assets is 53.68% and receivables-plus-cash/assets is 61.82%, above the examined FTSE, MSCI and Malaysia-style limits. Other income includes interest earned on cash and natural-gas interests, but no reproducible non-compliant-income split is disclosed.

⚠️ Concerns

  • Liquidity/assets is 53.68%, above the examined 33% limits
  • Receivables-plus-cash/assets is 61.82%, above the examined FTSE 50% and MSCI 33.33% limits
  • Natural-gas royalty and non-operated working interests require qualitative review
  • Large cash balance earns income that is not separately reproducible for purification
  • Re-screen after the next filing and consult a qualified scholar

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 / 713.837

Cash + interest-bearing securities / assets
53.68%Above limit
Below 33.333% under FTSE Yasaar

383.165 / 713.837

Receivables + cash / assets
61.82%Above limit
Below 50% under FTSE Yasaar

441.276 / 713.837

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

Liquidity/assets is 53.68%, above the examined 33.333% limit, and receivables-plus-cash/assets is 61.82%, above the examined 50% limit.

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

Liquidity/assets is 53.68% and receivables-plus-cash/assets is 61.82%, above the examined MSCI limits.

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

Liquidity/assets is 53.68%, above the examined Malaysia limit; this is not an official classification.

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

A properly licensed and reproducible historical market-cap series is not stored; the liquidity and receivables screens already fail.

Business-activity disclosure

U.S. Lime & Minerals mines limestone and produces lime and limestone products for construction, environmental, industrial and agricultural applications. The core activity is generally permissible, while natural-gas interests and other income require qualitative review.

Limitation: The filing does not provide a universal prohibited-revenue or non-compliant-income numerator or allocate the natural-gas interests separately in the income statement.

Purification

Other income includes interest earned on cash, but the filing does not provide a reproducible gross non-compliant-income split; no fixed purification percentage is asserted.

Inputs, assumptions and primary sources
  • Amounts are USD millions from U.S. Lime & Minerals' March 31, 2026 Form 10-Q.
  • No funded interest-bearing debt is reported at the period end; operating lease liabilities are excluded from the debt proxy.
  • Cash and cash equivalents are $383.165 million; no separate interest-bearing securities balance is identified.
  • Trade receivables, net are $58.111 million.
  • Other income includes interest earned on cash and natural-gas interests but the filing does not provide a reproducible non-compliant-income split.

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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