VZ

Verizon Communications

DOUBTFUL — SCREEN DOES NOT PASSstock

Is VZ Halal?

Telecom has a permissible core, but March 2026 debt/assets is 41.28%, above the examined financial limits.

What You Should Know

Verizon's March 31, 2026 Form 10-Q shows $417,882m assets, $172,500m total debt, $8,746m cash plus fixed-income securities, and $26,655m net receivables. Debt/assets 41.28%; liquidity/assets 2.09%; receivables+cash/assets 8.38%; disclosed interest income 0.43% of revenue.

⚠️ Concerns

  • Debt/assets exceeds the examined FTSE, MSCI and Malaysia limits
  • Device-payment plans include imputed interest and receivables financing
  • Frontier integration, securitization, privacy and network impacts

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
41.28%Above limit
Below 33.333% under FTSE Yasaar

172,500 / 417,882

Cash + interest-bearing securities / assets
2.09%Within limit
Below 33.333% under FTSE Yasaar

8,746 / 417,882

Receivables + cash / assets
8.38%Within limit
Below 50% under FTSE Yasaar

35,021 / 417,882

Non-compliant income / revenue
0.43%Within limit
No more than 5% under FTSE Yasaar

147 / 34,440

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

Debt/assets is 41.28%, above the examined 33.333% limit; liquidity/assets is 2.09%, receivables-plus-cash/assets is 8.38%, and interest income/revenue is 0.43%.

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

Debt/assets is above the examined MSCI total-assets limit; other examined ratios are below their limits.

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

Debt/assets is above the examined Malaysia SAC 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
Not calculated

A licensed historical market-cap series is not stored.

Business-activity disclosure

Verizon provides wireless, broadband, enterprise, and communications services, which are generally permissible.

Limitation: The filing does not provide a Sharia-relevant split for advertising, content, device financing, or downstream customer use.

Purification

Interest income is disclosed, but ZakatInvest does not prescribe a fixed purification percentage.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Verizon's March 31, 2026 Form 10-Q.
  • Debt is Verizon's disclosed total debt; fixed-income securities of $380 million are used as identifiable interest-bearing securities, excluding marketable equity securities.
  • Interest income of $147 million is separately disclosed in other income, net.
  • Accounts receivable uses the net consolidated balance; device-payment receivables are partly classified in other assets and are not double-counted.

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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