Is Upland Software, Inc. (UPLD) Halal?

NASDAQ Technology United States $18M
✗ NOT HALAL
Confidence: 90/100
Upland Software, Inc. (UPLD) is Not Halal under AAOIFI Standard 21. The company's debt ratio of 1526.0% exceeds the 30% threshold, indicating excessive interest-bearing debt relative to market capitalization. Upland Software, Inc. operates in the Technology sector.

Shariah Screening — 5 Standards

Based on financial data from December 2025

Standard Debt Ratio Cash Ratio Receivables Income Status
AAOIFI 1526.0%
/ 30%
294.9%
/ 30%
224.0%
/ 30%
31.33%
/ 5%
✗ NOT HALAL
DJIM 1526.0%
/ 33%
294.9%
/ 33%
224.0%
/ 33%
31.33%
/ 5%
✗ NOT HALAL
MSCI 55.1%
/ 33%
10.7%
/ 33%
8.1%
/ 33%
31.33%
/ 5%
✗ NOT HALAL
S&P 1526.0%
/ 33%
294.9%
/ 33%
224.0%
/ 33%
31.33%
/ 5%
✗ NOT HALAL
FTSE 55.1%
/ 33%
10.7%
/ 33%
8.1%
/ 50%
31.33%
/ 5%
✗ NOT HALAL

Financial Highlights

EPS
$-1.56
P/B Ratio
-0.4
EV/EBITDA
7.2
EV: $353M
Revenue
$217M
Growth: -27.5%
Beta
1.3
High volatility
Current Ratio
0.8

Profitability

Gross Margin 74.8%
Operating Margin 15.2%
Net Margin -17.9%
Return on Equity (ROE) -41.9%
Return on Assets (ROA) 2.2%

Cash Flow & Balance Sheet

Operating Cash Flow$26M
Free Cash Flow$24M
Total Debt$235M
Debt-to-Equity291.4
Current Ratio0.8
Total Assets$413M

Price & Trading

Last Close$0.66
50-Day MA$0.98
200-Day MA$1.77
Avg Volume268K
Beta1.3
52-Week Range
$0.50
$3.91

About Upland Software, Inc. (UPLD)

CEO
Mr. John T. McDonald J.D.
Employees
760
Sector
Technology
Industry
Software - Application
Country
United States
Exchange
NASDAQ
Market Cap
$18M
Currency
USD

Upland Software, Inc., together with its subsidiaries, provides an AI-powered knowledge and content management software under the Upland brand name in the United States, the United Kingdom, Canada, and internationally. It offers knowledge management solutions to help organizations capture, organize, and distribute information to employees and customers; content lifecycle and workflow automation solutions that support document management, compliance, and processes in various industries; and tools for content capture, storage, retrieval, and automated processing, as well as secure digital faxing to replace traditional fax infrastructure. The company also provides project and portfolio management, customer reference management, and IT spending management solutions for resource planning, governance, and operational oversight in organizations; and professional services, such as implementation, data extraction, integration, and configuration, and training on its applications. It serves financial services, consulting services, technology, manufacturing, media, telecommunications, government, insurance, non-profit, healthcare, life sciences, retail, and hospitality industries. The company was formerly known as Silverback Enterprise Group, Inc. and changed its name to Upland Software, Inc. in November 2013. Upland Software, Inc. was incorporated in 2010 and is headquartered in Austin, Texas.

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Frequently Asked Questions

Is Upland Software, Inc. (UPLD) halal to invest in?

Based on our screening using AAOIFI Standard 21 (the strictest methodology), Upland Software, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.

What is Upland Software, Inc.'s debt ratio?

Upland Software, Inc.'s debt ratio is 1526.0% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 55.1%.

What are Upland Software, Inc.'s key financial metrics?

Upland Software, Inc. has a market capitalization of $18M, and revenue of $217M. The company maintains a gross margin of 74.8% and a net margin of -17.9%. Return on equity stands at -41.9%.

How often is the screening data updated?

Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.

Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.