Is CRH.L (CRH plc) Halal or Haram?

Based on our AAOIFI-standard shariah screening, CRH.L is Halal and considered permissible for Muslim investors. It passed all 4 of 4 compliance screens including business activity review, debt-to-market-cap ratio (29.75% vs ≤33% threshold), interest income ratio (0.39% vs ≤5% threshold), and cash & securities ratio (5.89% vs ≤33% threshold).

CRH plc is a global giant in the building materials sector, supplying the literal foundations for construction projects worldwide. Through its Americas and Europe divisions, the company manufactures essential infrastructure components like cement, lime, and asphalt, alongside specialized building products such as architectural glass and custom-engineered curtain walls. It is a diversified heavy hitter, providing everything from the ready-mixed concrete for skyscrapers to the pavers for residential driveways . For Muslim investors seeking stable exposure to the infrastructure sector, CRH is currently deemed Halal based on AAOIFI standards. The company passed all four mandatory financial screens, meaning its business activities are permissible and its financial health aligns with Islamic principles . This 'Halal' status allows you to invest in a major industrial player without compromising on shariah compliance requirements regarding prohibited industries or excessive leverage. From a financial perspective, CRH demonstrates discipline that appeals to shariah- conscious investors, particularly regarding leverage. With a debt-to-market cap ratio of 29.7%, it remains within the safe zone (under 33%), though it is close enough to the limit that investors should keep an eye on it during market downturns. Crucially, its interest income is extremely low at 0.39% of revenue, confirming that the vast majority of its cash flow is generated from legitimate manufacturing and sales operations rather than interest-bearing cash piles. Going forward, investors should monitor CRH's debt levels, as the 29.7% figure is near the upper limit of the AAOIFI threshold. While currently compliant, significant borrowing to fund future acquisitions or a drop in share price could push this ratio into non-compliant territory. Regular quarterly screening is recommended to ensure the stock remains within the allowable limits. CRH plc operates in the Basic Materials sector under the Construction Materials industry and is headquartered in Dublin, IE. The company is led by CEO Jim Mintern and employs approximately 79,800 people.

CRH.L was screened using AAOIFI-based shariah compliance criteria. Four tests are applied: (1) Business Activity — the company's core business must not derive primary income from haram (prohibited) activities such as alcohol, gambling, tobacco, or interest-based finance. (2) Debt-to-Market-Cap — total debt must not exceed 33% of market capitalization. (3) Interest Income — interest income must not exceed 5% of total revenue. (4) Cash & Securities — cash and interest-bearing securities must not exceed 33% of market cap. CRH.L passed 4 of these 4 screens.

Although CRH.L passes all shariah screens, it does earn $124.3M in interest income (0.39% of revenue). Many scholars recommend purifying this portion by donating the equivalent percentage of any dividends received to charity. For example, if you receive $100 in dividends, you would donate approximately $0.39 to purify the income.

CRH.L was last screened on 2026-02-24. Shariah compliance status can change as companies report new financial data, acquire new businesses, or shift revenue streams. We recommend checking back periodically for the most up-to-date screening results.