WDAY

Workday Inc.

HALAL — METHODS DIFFERstock

Is WDAY Halal?

HR and finance software are generally permissible, subject to payroll, AI and customer-workflow review.

What You Should Know

Workday's April 30, 2026 filing shows debt/assets of 18.57%, liquidity/assets of 27.05%, receivables plus cash/assets of 13.26% and disclosed interest income/revenue of 2.05%. Human-capital, payroll and finance software are generally permissible, while AI agents, sensitive employee or financial data, government or regulated customers and downstream workflows require qualitative review.

⚠️ Concerns

  • HR, payroll and finance software can support mixed commercial, government and regulated workflows
  • AI agents and sensitive employee or financial data require privacy, security and governance review
  • Marketable debt securities and current debt remain material balance-sheet inputs
  • Financial ratios pass the examined asset-based screens, but business classification remains incomplete

Current quantitative Sharia screen

Based on 10-Q figures for the period ended 2026-04-30; calculated 2026-07-14.

USD · millions
Interest-bearing debt / assets
18.57%Within limit
Below 33.333% under FTSE Yasaar

2,988 / 16,091

Cash + interest-bearing securities / assets
27.05%Within limit
Below 33.333% under FTSE Yasaar

4,353 / 16,091

Receivables + cash / assets
13.26%Within limit
Below 50% under FTSE Yasaar

2,134 / 16,091

Non-compliant income / revenue
2.05%Within limit
No more than 5% under FTSE Yasaar

52 / 2,542

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

Debt/assets is 18.57%, liquidity/assets is 27.05%, receivables plus cash/assets is 13.26% and disclosed interest income/revenue is 2.05%, below the examined limits; activity classification remains incomplete.

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

Debt/assets is 18.57%, liquidity/assets is 27.05% and receivables plus cash/assets is 13.26%, below the examined MSCI total-assets limits; activity classification remains incomplete.

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

The examined ratios pass at debt/assets 18.57% and liquidity/assets 27.05%; activity classification remains incomplete and 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, so market-cap methods are not estimated from a current spot price.

Business-activity disclosure

Workday supplies human-capital-management, payroll, finance and enterprise software. These services are generally permissible business infrastructure, while payroll and financial workflows, AI features, government or regulated customers, data handling and downstream use require continuing qualitative review.

Limitation: The filing does not allocate revenue into a universal prohibited-activity numerator for customer industries, payroll or finance workflows, AI use, government contracts or downstream use.

Purification

Workday discloses $52 million of interest income but does not prescribe a scholar-approved purification percentage; the disclosed ratio is evidence for the income screen, not a complete purification prescription.

Inputs, assumptions and primary sources
  • Amounts are USD millions from Workday's April 30, 2026 Form 10-Q.
  • Debt includes $998 million current debt and $1,990 million noncurrent debt; operating lease liabilities are excluded.
  • Cash and cash equivalents are $559 million and available-for-sale debt securities are $3,794 million; money-market funds included in cash are not double-counted.
  • Trade and other receivables, net are $1,575 million and first-quarter revenue is $2,542 million; disclosed interest income is $52 million.
  • The filing does not allocate HR, payroll, finance, AI, customer or end-use revenue into a universal prohibited-activity 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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