Umm Al Qura for Development and Construction Company · TADAWUL:4325
Umm Al Qura for Development and Construction — Q3 2026 Earnings Presentation
19 slides from Umm Al Qura for Development and Construction's earnings presentation, Nov 3, 2026
Slide 1: Q3 2026 Earnings Presentation
Umm Al Qura for Development and Construction Company Q3 2026 Earnings Presentation 3 November 2026 1
Slide 2: Agenda
Agenda 1 2 3 4 Q3 Key Highlights Commercial Financial Q&A Performance Performance 2
Slide 3: Disclaimer
By reading this earning release document, you recognize and agree to be bound by the following limitations :- This document has been prepared for information and background purposes only. It does not constitute or form part of, and should not be construed as, an offer of, a solicitation of an offer
Slide 4: Key Highlights
1 Key Highlights Yasser AbuAteek Chief Executive Officer
Slide 5: Q3 Highlights Key Developments
Q3 Highlights Key Developments .. SAR 1,638Mn 91 6 Revenue (29% YoY) +10 plots +3 plots Activated plots Resereved plots SAR 832Mn 50.8% Gross Profit (46% YoY) Gross Margin (5.8% YoY) Broader Buyer Base SAR 775Mn 47.3% A Live Destination Operating Profit (43% YoY) Operating Margin (4.6% YoY) SAR 667M
Slide 6: Commercial Performance
2 Commercial Performance Tariq Sharaf Chief Investment Officer
Slide 7: MASAR Destination in numbers
MASAR Destination in numbers 1.25 Mn 5.8 Mn 203K+ Masar SQM of Total Project Area SQM of Gross Floor Area SQM of Gross retail leasable area Highlights 100% SAR 40 Bn+ LEED Gold certification Key figures Completion of Major Infrastructure Works of investment attracted for communities Asset Hospital
Slide 8: Monetization Progress
Monetization Progress Zone 3 Zone 2 Zone 1 Sold / Leased Reserved SAR ~35k / sqm* SAR ~65k / sqm SAR ~112K / sqm Sold 23 20 16 59 Leased 23 0 4 27 Self-Developments 2 0 6 8 Joint Ventures 1 0 0 1 Disclosed Pipeline** 3 2 3 8 Remaining Plots 6 59 35 100 Total 58 81 64 203 Source: company information
Slide 9: Key Growth Catalysts
Key Growth Catalysts 1 2 Foreign Ownership First Residents
Slide 10: Financial Performance
3 Financial Performance Saeed Al Ghamdi Chief Financial Officer
Slide 11: Financial Position
Financial Position Total Assets Investment properties Cash & Cash Equivalent 25.7 25.6 25.1 20.2 0.63 Assets 16.3 15.4 0.51 0.23 Debt to Equity FY 2024 FY 2025 Sep-26 FY 2024 FY 2025 Sep-26 FY 2024 FY 2025 Sep-26 0.43x as of 30 Sep 2026 Debt to Total Assets Total Debt Total Liabilities Total Equity
Slide 12: Debt Management
Debt Management Total Debt (SAR Bn) Debt Repayment (SAR Bn) 4.2 9.9 7.5 7.2 1.5 1.5 FY 2024 FY 2025 Sep-26 2 Years 3-5 Years 5+ Years Total Debt: Debt Maturities: Declined consistently from SAR 9.9bn in FY2024 to SAR 7.2bn by the end of 9M Debt profile remains well spread, with most repayments due o
Slide 13: Topline & Bottomline Overview
Topline & Bottomline Overview Revenue (SAR Mn) Net Profit (SAR Mn) Q1 Q2 Q3 2,903.2 2,634 983.4 2,437 913 928 1,823.9 1,265.8 1,638.3 516.6 489.6 667.0 669.2 236.7 216.1 915.9 502.0 159.7 80.0 44.9 FY 2024 FY 2025 9M 2025 9M 2026 FY 2024 FY 2025 9M 2025 9M 2026 Revenue: Net Profit: Higher revenues Q
Slide 14: Gross Profit Margins Improvement
Gross Profit Margins Improvement Key Highlights Zone 3 Zone 2 Zone 1 Gross Margin 1. Sales Progress: • Q3 marked the sale of 10 land plots, bringing the cumulative total 20 60% to 55 land plots sold as end of the quarter, which goes as follows: 18 4 50% o Zone 1: 16 land plots 50% o Zone 2: 17 land
Slide 15: YoY Operating Margin
YoY Operating Margin Operating Expenses (SAR Mn) Operating Profit (SAR Mn) Q1 Q2 Q3 Other operating expenses S&M G&A Allowance for ECL 1,230.8 1,093.8 345 382.6 965 322.3 4.1 20.8 218.1 774.8 12.1 557.6 540.2 197.6 269.3 0.9 244.8 166.5 248.9 63.8 359.9 79.50 92.50 65.4 175.7 96.1 50.7 FY 2024 FY 20
Slide 16: Financing Costs: Transition from Capitalization to Expensing
Financing Costs: Transition from Capitalization to Expensing Infrastructure Expensing Quarterly Finance Cost (SAR Mn) Suspension of Package A&B 2025 2026 131.2 Early Partial Repayment 92.9 60.2 43.2 6.3 4.5 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 During Development Substantial Completion 2015 – Q1-2026
Slide 17: Positioned for Long-Term Value Creation
Positioned for Long-Term Value Creation Unique value proposition • Holistic breadth of offerings with 27 hospitality, 43 residential 22 retail, and 3 healthcare plots activated. • Phased revenue streams allowing for the recycling of invested capital. • Low-risk business model with strategic partners
Slide 18: Q&A
Q&A
Slide 19: Thank You!
Thank You! 19
Umm Al Qura for Development and Construction Company — Q3 2026 Earnings Presentation on 6ix