Umm Al Qura for Development and Construction Company SCJSC (4325) Fair Value & Analysis
Real Estate · SA · Market cap 23.7B SAR (≈ $6.3B) · ISIN SA169G7I3IH8
What is Umm Al Qura for Development and Construction Company SCJSC really worth?
A solid business, but trading 48% above our fair value of 11.60 SAR.
Strengths
Risks
Fair value as of: Sep 5, 2026
From 14 valuation models · updated today
Share price +0.8% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (14.50 SAR). The favourable scenario is already priced in.
- Solid but not exceptional quality (67/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range (7.49 SAR to 14.50 SAR) leaves room in how you read the outcome.
- As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Price vs Fair Value (17 months)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 5, 2026.
How to read this chart
17‑month range 14.62 SAR – 26.70 SAR · fair‑value band 7.49 SAR – 14.50 SAR · the 17.19 SAR price screens above the 11.60 SAR fair value. Dashed = 300-day average. As of Sep 5, 2026.
Analysis
Umm Al Qura for Development and Construction Company SCJSC (4325) currently trades at 17.19 SAR, while our model-based Fair Value estimate is 11.60 SAR, implying the stock looks roughly 48.2% overvalued today. The Quality Score stands at 67/100 (solid quality), in the Real Estate sector. Bull case: the DCF Models group reads highest at a median of 17.88 SAR per share, and 4 of the 14 models we run sit above the 17.19 SAR price. Bear case: the Asset-Based group reads lowest at 7.39 SAR, and 10 of the 14 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Umm Al Qura for Development and Construction Company SCJSC generated revenue of 2.5B SAR at a net margin of 35.0%. Revenue declined 84.1% year over year. It earns a return on equity of 5.6%. Net debt stands at 7.3B SAR. Fundamentals as of Sep 5, 2026
Our scenario range runs from 7.49 SAR (bear case) to 14.50 SAR (bull case); at 17.19 SAR, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 32% below its 52-week high and 18% above its 52-week low, currently below its 200-day average. For context, the median of 10 Real Estate peers we cover trades at −47% fair-value upside, at −33%, 4325 screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 0.4128 SAR per share, which is 3.6 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 14 models by family
Widest divergence: DCF Models (17.88 SAR) versus Asset-Based (7.39 SAR). Highest evidence: Growth DCF (71).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 5, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 66 · Market factors (momentum, volatility) 40
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Umm Al Qura for Development and Construction Company engages in real estate activities in Saudi Arabia. The company owns and develops the MASAR destination, an urban project in Makkah.
Full company description
Umm Al Qura for Development and Construction Company engages in real estate activities in Saudi Arabia. The company owns and develops the MASAR destination, an urban project in Makkah. It is also involved in the purchasing, selling, and dividing of lands and real estate; off-plan sales activities; and management and leasing of owned or leased non-residential properties. In addition, the company constructs residential and non-residential buildings, including schools, hospitals, and hotels; and roads, streets, sidewalks, road supplies, bridges, and tunnels. Umm Al Qura for Development and Construction Company was incorporated in 2012 and is headquartered in Mecca, the Kingdom of Saudi Arabia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Umm Al Qura for Development and Construction Company SCJSC reported revenue of 3.0B SAR in FY2025 versus 3.0M SAR in FY2021, a compound +463.3%/yr. Reported net income was 983M SAR in FY2025.
4325 screens 48% overvalued. Compare with Corem Property Group →
Peer Group
Real Estate - Diversified · 131 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Real Estate - Diversified median · lower = cheaper
Strength profile in five axes (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.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Real Estate - Diversified stocks, each showing price versus our Fair Value estimate (as of Sep 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Corem Property Group CORED | kr 229.00 | kr 121.82 | −47% |
| Swiss Prime Site AG SPSN | CHF 124.60 | CHF 44.83 | −64% |
| Central Pattana Public Company CPN | 66.00 THB | 71.37 THB | +8% |
| Prestige Estates Projects Limited PRESTIGE | ₹1,586 | ₹645.21 | −59% |
| The Phoenix Mills Limited PHOENIXLTD | ₹1,905 | ₹701.74 | −63% |
| Fastighets AB BALDB | kr 54.08 | kr 70.70 | +31% |
| Hainan Airport Infrastructure Co 600515 | ¥2.79 | ¥0.3300 | −88% |
| Parque Arauco S.A PARAUCO | 3,954 CLP | 2,740 CLP | −31% |
| Singapore Land Group U06 | 3.41 SGD | 3.23 SGD | −5% |
| The St. Joe Company JOE | $67.90 | $34.24 | −50% |
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