Retal Urban Development Company (4322) Fair Value & Analysis
Real Estate · SA · Market cap 5.1B SAR
Fair value as of: Jul 31, 2026
From 26 valuation models · updated today
Share price −15.5% over the past month.
What matters now
- The model range is unusually wide (7.49 SAR to 27.33 SAR). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Price vs Fair Value (12 months)
12‑month range 10.16 SAR – 15.11 SAR · fair‑value band 7.49 SAR – 27.33 SAR · the 10.16 SAR price screens above the 9.99 SAR fair value. As of Jul 31, 2026.
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Retal Urban Development Company (4322) currently trades at 10.16 SAR, while our model-based Fair Value estimate is 9.99 SAR, implying the stock looks roughly 1.7% fairly valued today. We read business quality at 47/100 (below-average quality), in the Real Estate sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Retal Urban Development Company generated revenue of 2.4B SAR at a net margin of 11.6%. Revenue grew 1.8% year over year. It earns a return on equity of 32.3%. Net debt stands at 759M SAR. Fundamentals as of Jul 31, 2026
Our scenario range runs from 7.49 SAR (bear case) to 27.33 SAR (bull case); at 10.16 SAR, the current price sits within that range. The share trades about 34% below its 52-week high and 2% above its 52-week low, currently below its 200-day average. For context, the median of 10 Real Estate peers we cover trades at -2% fair-value upside, at -2%, 4322 screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Retal Urban Development Company, through its subsidiaries, operates as a real estate developer in the Kingdom of Saudi Arabia. It operates through the Real Estate Development, Investment, and Other segments.
Full company description
Retal Urban Development Company, through its subsidiaries, operates as a real estate developer in the Kingdom of Saudi Arabia. It operates through the Real Estate Development, Investment, and Other segments. The company engages in the construction, purchase, sale, and rental of land and real estate; general cleaning, maintenance, and operation of buildings, gardens, parks, and sports facilities; erection, management, and maintenance of industrial, commercial and service projects, restaurants, central markets, residential compounds, and commercial and industrial complexes; general contracting for residential, commercial, public, educational, recreational, medical, airport, and precast buildings; construction of roads, dams, tunnels, sewage, air conditioning, and refrigeration projects; electrical, mechanical, digging, and renovation related works; and management and operation of factories, industrial projects, shopping malls, and infrastructure construction. It is also involved in the management and rental of owned and leased residential and non-residential real estate; care and maintenance of parks and gardens for public housing purposes, building landscapes, home gardens, roof gardens, private building facades, highway parks, sports grounds and golf courses, and noise protection plants; transportation of non-hazardous industrial waste; municipal waste collection; land maintenance activities; and wind and desertification landscape design services activities. The company was incorporated in 2012 and is headquartered in Al Khobar, Saudi Arabia. Retal Urban Development Company operates as a subsidiary of Al Fozan Holding Company.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Retal Urban Development Company reported revenue of 2.4B SAR in FY2025 versus 1.1B SAR in FY2021, a compound +22.4%/yr. Reported net income was 293M SAR in FY2025, compounding +10.9%/yr from FY2021.
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Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Real Estate - Development stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Vinhomes Joint Stock Company VHM | 155,400 VND | 148,549 VND | -4% |
| DLF Limited DLF | ₹627.60 | ₹215.17 | -66% |
| Lodha Developers Limited LODHA | ₹894.45 | ₹721.45 | -19% |
| PT Pantai Indah Kapuk Dua Tbk, PANI | 6,150 IDR | 1,330 IDR | -78% |
| Oberoi Realty Limited OBEROIRLTY | ₹1,704 | ₹1,677 | -2% |
| Godrej Properties Limited GODREJPROP | ₹1,642 | ₹788.35 | -52% |
| PT Jaya Real Property, Tbk., JRPT | 1,075 IDR | 1,909 IDR | +78% |
| PT Bumi Serpong Damai Tbk, BSDE | 565.00 IDR | 1,413 IDR | +150% |
| PT Sentul City Tbk, BKSL | 63.00 IDR | 96.41 IDR | +53% |
| PT Ciputra Development Tbk, CTRA | 545.00 IDR | 1,363 IDR | +150% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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