WAY

Waystar Holding Corp.

HALAL — DATA INCOMPLETEstock

Is WAY Halal?

Healthcare revenue-cycle software — generally permissible activity whose known asset-based ratios pass, with activity classification incomplete.

What You Should Know

Waystar's March 31, 2026 Form 10-Q reports assets of $5,838.993 million, debt of $1,469.775 million, cash and restricted cash of $62.700 million, investment securities of $124.593 million, receivables of $172.532 million and quarterly revenue of $313.874 million. Debt/assets is 25.17%, liquidity/assets is 3.21%, receivables plus cash/assets is 4.03% and disclosed interest income is 0.22% of revenue. Known ratios pass, but no universal prohibited-revenue numerator is disclosed.

⚠️ Concerns

  • Known asset-based ratios pass, but no universal prohibited-revenue numerator is disclosed
  • Healthcare payment and transaction workflows
  • Provider, payer and patient-data privacy
  • Acquisition-related leverage and goodwill
  • Disclosed interest income is 0.22% of quarterly revenue; no fixed purification percentage asserted

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
25.17%Within limit
Below 33.333% under FTSE Yasaar

1,469.775 / 5,838.993

Cash + interest-bearing securities / assets
3.21%Within limit
Below 33.333% under FTSE Yasaar

187.293 / 5,838.993

Receivables + cash / assets
4.03%Within limit
Below 50% under FTSE Yasaar

235.232 / 5,838.993

Non-compliant income / revenue
0.22%Within limit
No more than 5% under FTSE Yasaar

0.7 / 313.874

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

Debt/assets is 25.17%, liquidity/assets is 3.21%, receivables-plus-cash/assets is 4.03% and interest income is 0.22%; activity remains incomplete.

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

Known debt, liquidity and receivables-plus-cash ratios pass the examined MSCI total-assets limits; activity remains incomplete.

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

Known debt, liquidity and disclosed income ratios pass the examined Malaysia limits; 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 and business classification remains incomplete.

Business-activity disclosure

Waystar provides cloud software and payment workflows for healthcare providers, including claims, eligibility, payment and denial-management tools. The software activity is generally permissible, while healthcare transaction and customer end uses remain qualitative.

Limitation: The filing does not allocate revenue into a universal prohibited-activity numerator for healthcare customers, payment workflows or related transaction services.

Purification

Waystar discloses $0.700 million of interest income on investment securities, but ZakatInvest does not prescribe a scholar-approved purification percentage.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Waystar's March 31, 2026 Form 10-Q.
  • Debt includes current and non-current long-term debt and related-party debt totaling $1,469.775 million; operating leases are excluded.
  • Cash and restricted cash total $62.700 million; current investment securities are $124.593 million.
  • Net accounts receivable is $172.532 million and first-quarter revenue is $313.874 million.
  • The filing discloses $0.700 million of interest income on investment securities for the quarter; no fixed purification percentage is prescribed.
  • Healthcare revenue-cycle software is generally permissible, but provider, payer and transaction end uses are not reduced to a universal prohibited-revenue numerator.

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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