NYSE Shariah screener · October 2026
Is Comfort Systems USA, Inc. (FIX) Halal?
Comfort Systems USA, Inc. · NYSE: FIX · Industrials
The short answer
Comfort Systems USA passes this Shariah screener: its mechanical and electrical contracting business is permissible, interest-bearing debt is $54.1 million (0.09% of market cap), and interest income of $21.6 million is just 0.24% of FY2025 revenue.
Gate 1 — Business activity: PASS
Gate 1 — business activity: PASS. Comfort Systems USA, Inc., headquartered in Houston, Texas, is a national provider of commercial, industrial and institutional heating, ventilation, air conditioning and electrical contracting services. Per its FY2025 Form 10-K (Item 1, Business), it operates through two reportable segments: mechanical (HVAC, plumbing, piping, controls, offsite construction, monitoring and fire protection) and electrical (electrical systems installation and servicing).
The company had 50 operating units across 190 locations in 142 cities at year-end 2025 (206 locations in 150 cities per its Q2 2026 release). FY2025 revenue of $9,101.6 million was 73.3% mechanical and 26.7% electrical, serving commercial, industrial and institutional customers. The company is not an interest-based lender and is not involved in tobacco, gambling, pork or alcohol. The business passes gate 1.
Gate 2 — Debt and cash: PASS
Gate 2 — interest-bearing debt: PASS (0.09%, ceiling 33%). Per Comfort Systems USA's Q2 2026 earnings release (condensed consolidated balance sheet, June 30, 2026), total interest-bearing debt was $54,064 thousand ($53,849 thousand long-term debt plus $215 thousand current maturities of long-term debt), with no borrowings outstanding under its $1.10 billion revolving credit facility.
$54,064 thousand against a market capitalization of about $58.00 billion (Finnhub, October 2, 2026) is about 0.09%, far under the 33% ceiling. Cash and cash equivalents of $1,854,794 thousand are about 3.2% of market cap. The company reported a $14.06 billion backlog at June 30, 2026.
Gate 3 — Non-compliant income: PASS
Gate 3 — non-compliant income: PASS (0.24%, ceiling 5%). Comfort Systems USA's FY2025 Form 10-K separately discloses interest income on its Consolidated Statements of Operations: interest income of $21,604 thousand in fiscal 2025, against total revenue of $9,101,641 thousand. That is about 0.24% — far under the 5% non-compliant income ceiling.
Interest expense was $9,009 thousand in FY2025, so net interest income was $12,595 thousand. All three gates pass, so the overall result is PASS.
Key figures used
- Business: national mechanical (HVAC, plumbing, piping, controls, offsite construction, fire protection) and electrical contracting for commercial/industrial/institutional buildings; 50 operating units, ~200 locations; FY2025 revenue mix 73.3% mechanical / 26.7% electrical
- Haram assessment: no interest-based lending; no tobacco/gambling/pork/alcohol - contracting services only
- Debt: $54,064K total interest-bearing debt at June 30, 2026 ($53,849K LT + $215K current maturities); no borrowings on $1.10B revolver - 0.09% of ~$58.00B market cap (Finnhub, Oct 2, 2026) - far under the 33% ceiling
- Cash: $1,854,794K cash and equivalents (~3.2% of market cap); backlog $14.06B at June 30, 2026
- Interest income: $21,604K in FY2025 (10-K Statements of Operations) vs $9,101,641K revenue = 0.24% - far under the 5% ceiling (interest expense $9,009K; net interest income $12,595K)
- Market data: NYSE-listed (New York Stock Exchange, per 10-K cover); still listed on NYSE (confirmed October 2, 2026; live quotes, no delisting)
- Third-party: Zoya publishes a FIX page confirming the 0.24% figure (published compliance wording internally contradictory); Musaffa classifies FIX halal (AAOIFI, Oct 2026); no ShariaPortfolio rating found
Frequently asked questions
What does Comfort Systems USA do?
Comfort Systems USA, Inc. (NYSE: FIX), headquartered in Houston, Texas, is a national provider of commercial, industrial and institutional heating, ventilation, air conditioning and electrical contracting services. Per its FY2025 Form 10-K, it operates through two reportable segments - mechanical (HVAC, plumbing, piping, controls, offsite construction, fire protection) and electrical (electrical systems installation and servicing). It has 50 operating units and about 200 locations across the United States; per its Q2 2026 release, 206 locations in 150 cities. FY2025 revenue was $9,101.6 million (mechanical 73.3%, electrical 26.7%).
Is Comfort Systems USA's business Shariah compliant?
Comfort Systems USA performs mechanical and electrical contracting services for commercial, industrial and institutional buildings - installing and servicing HVAC, plumbing, piping, controls and electrical systems. It is not an interest-based lender and is not involved in tobacco, gambling, pork or alcohol. Nothing in the disclosed business is a non-compliant industry, so the business passes this screener's first gate.
How much interest-bearing debt does Comfort Systems USA have?
Comfort Systems USA's total interest-bearing debt at June 30, 2026 was $54,064 thousand ($53,849 thousand long-term debt plus $215 thousand current maturities), with no borrowings outstanding under its $1.10 billion revolving credit facility. Against a market capitalization of about $58.00 billion (Finnhub, October 2, 2026), that is about 0.09% - well under the 33% ceiling, so the debt gate passes.
How much interest income does Comfort Systems USA earn?
Comfort Systems USA's FY2025 Form 10-K separately discloses interest income on its Consolidated Statements of Operations: interest income of $21,604 thousand in fiscal 2025 against total revenue of $9,101,641 thousand. That is about 0.24% - far under the 5% non-compliant income ceiling, so this gate passes. (For reference, interest expense was $9,009 thousand, so net interest income was $12,595 thousand.)
What do third-party Shariah screeners say about Comfort Systems USA?
Zoya publishes a Comfort Systems USA (FIX) page and confirms the filing figures - $21,604 thousand of interest income on $9,101,641 thousand of FY2025 revenue, i.e. 0.24% - though its page text is internally contradictory about the resulting compliance status, so treat its published reasoning with caution. Musaffa publishes a FIX page and currently classifies the stock as halal under its AAOIFI methodology (October 2026). I could not verify a ShariaPortfolio rating for FIX from public sources. Third-party screeners apply different assumptions and update on different schedules - always check the latest screening before investing.
Sources
- Comfort Systems USA FY2025 Form 10-K (Item 1 - Business; Consolidated Statements of Operations - interest income $21,604K; New York Stock Exchange)
- Comfort Systems USA Q2 2026 results (long-term debt $53,849K; cash $1,854,794K; revenue $3.27B; backlog $14.06B)
- Finnhub - Comfort Systems USA financial market data (market cap $58.00B, price)
- Zoya - Comfort Systems USA (FIX) Shariah compliance page
- Musaffa - Comfort Systems USA (FIX) Shariah compliance page
Screened 2026-10-02 from published company figures and market data. Figures change; this page is educational, not financial advice and not a religious ruling.
Screened with our two-gate Shariah screening methodology (business-activity gate, then AAOIFI-style financial ratios).