Quick Verdict
ZakatInvest classifies Salesforce (CRM) as doubtful. Customer-relationship-management, cloud, analytics and collaboration software can serve legitimate commercial, public-service and charitable purposes. In the April 2026 filing, however, debt is 36.82% of total assets—above the examined 33% total-assets limits—and public disclosure does not allocate revenue by customer activity, product use, contract or autonomous-agent deployment.
This does not treat all enterprise software as prohibited or claim that every customer use is the same. It separates a generally useful core function from financial limits and unmeasured deployment-specific questions.
Business Activity and Revenue
Salesforce provides CRM, data, cloud, analytics, commerce, collaboration and AI-agent products. For the quarter ended April 30, 2026, it reported $10.593 billion of subscription-and-support revenue and $540 million of professional-services-and-other revenue. Subscription revenue is now reported as Agentforce Apps and Data 360, Headless Platform and Other.
The original page's software and cloud theme remains relevant, but “entirely permissible” is not supportable from these aggregated categories. The filing does not identify the activity, industry, contract, customer purpose or human-rights safeguards behind the revenue. That includes use by public bodies, financial institutions, advertisers, health providers and other private-sector customers.
Data, AI Agents and Customer Use
CRM, marketing, commerce and analytics tools process customer and business data. Privacy, consent, data minimization, retention, access control, security, discriminatory outcomes and misuse should be assessed from evidence, not assumed away because a product is cloud software.
Salesforce says Agentforce can enable AI agents to respond to inputs, make decisions and take action across business functions. Automation may create useful efficiencies, while human oversight, accuracy, fraud, bias, accountability, remedies and the customer's actual purpose still matter. The current filing does not provide a screened revenue allocation for these issues.
Current Financial Screening
The calculation below uses the official filing at the SEC. Balance-sheet inputs are dated April 30, 2026, and revenue uses the matching quarter.
Current quantitative Sharia screen
Based on 10-Q figures for the period ended 2026-04-30; calculated 2026-07-13.
39,280 / 106,680
11,837 / 106,680
14,015 / 106,680
- Financial
- Fails
- Overall
- Fails
Debt is 36.82%, above the examined 33.333% limit, so the financial screen fails even though liquidity is 11.10% and receivables plus cash is 13.14%. Gross interest income is also not separately disclosed.
- Financial
- Fails
- Overall
- Fails
Debt is 36.82%, above the 33.33% total-assets limit. Liquidity and receivables-plus-cash pass, but the failed debt screen makes the financial and overall result fail.
- Financial
- Fails
- Overall
- Fails
Conservatively defined interest-bearing debt is 36.82% of total assets, above the 33% financial-ratio limit. This is a calculation against SAC ratios, not an official SAC classification of a U.S.-listed security.
- Financial
- Not calculated
- Overall
- Not calculated
A properly licensed and reproducible 24- or 36-month issuer market-cap history is not yet stored, so these methods are not estimated from a current spot price.
Business-activity disclosure
Salesforce supplies customer-relationship-management, data, cloud, analytics, commerce, collaboration and AI-agent tools. General-purpose business software can serve legitimate commercial, public-service and charitable uses, but the same tools can be deployed by customers for different purposes.
Limitation: Public revenue categories do not disclose a reproducible allocation by customer activity, industry, product use, surveillance, advertising, finance, autonomous-agent deployment, contract or prohibited category. No exact screened operating-revenue percentage can be calculated from consolidated disclosure.
Purification
The filing describes other income as primarily interest income but does not separately disclose gross interest income, and screened operating revenue is unavailable. No fixed purification percentage is prescribed.
Inputs, assumptions and primary sources
- Interest-bearing debt uses the reported 39,280 noncurrent debt balance; the filing reports no current debt on the April 30 balance sheet.
- Cash and equivalents use 8,935. Identifiable interest-bearing securities use 2,902 marketable securities. The filing describes this portfolio as primarily corporate notes and obligations, U.S. Treasury and agency obligations, asset- and mortgage-backed securities, foreign-government obligations, covered bonds, time deposits, money-market mutual funds and municipal securities.
- Accounts receivable use the reported 5,080 net balance. Revenue uses the matching quarter's 10,593 subscription and support revenue plus 540 professional services and other revenue.
- Other income is 133 and is described as primarily interest income on the marketable-securities portfolio, but is not separately quantified as gross interest income; it is not inferred as a precise screening or purification numerator.
- The filing reports Agentforce Apps, Data 360/Headless Platform/Other, professional services and geography, not a Sharia-screened allocation by customer, product use, autonomous-agent deployment, contract or prohibited activity.
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.
What the Numbers Show
Noncurrent debt is $39.280 billion, or 36.82% of $106.680 billion in total assets. Cash plus marketable securities is $11.837 billion, or 11.10% of assets, and cash plus net accounts receivable is $14.015 billion, or 13.14% of assets. The marketable-securities portfolio includes corporate notes, U.S. Treasury and agency obligations, asset- and mortgage-backed securities, foreign-government obligations, covered bonds, time deposits, money-market funds and municipal securities.
The filing reports $133 million of other income, described as primarily interest income on marketable securities, but does not separately disclose gross interest income. It is therefore not converted into a fixed purification percentage. Market-cap denominator methods likewise remain not calculated without a reproducible historical average-market-cap series.
Debt, Acquisitions and Governance
Salesforce issued debt in March 2026 and reports $39.5 billion in principal due on outstanding debt obligations. The Informatica acquisition contributed approximately $444 million of quarterly revenue. Acquisitions, strategic investments, workforce transition, data integration, contract changes and cross-border data governance need continuing review rather than being erased by the company's software focus.
Bottom Line
CRM remains doubtful in ZakatInvest's canonical classification. The useful core software function does not overcome the current debt-screen failures, and customer-, contract-, AI-agent- and data-use revenue remains unmeasured in public reporting. Reassess when a newer filing, a change in capital structure or more specific revenue and governance disclosure becomes available.
This is a screening classification, not a fatwa or investment recommendation. For a binding personal ruling, apply your chosen methodology with a qualified Sharia adviser.
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