Retal Urban Development Co (SAU:4322) ROA %: 4.04% (As of Mar. 2026) — 52% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SAU:4322 Retal Urban Development Co SAU:4322
89 GF Score
Price ﷼11.13
GF Value ﷼18.60
Valuation Possible Value Trap
! 8 Warning Signs
View Full Analysis

What is Retal Urban Development Co ROA %?

Retal Urban Development Co SAU:4322 -0.54% 89 ROA % is 4.04% as of Mar. 2026, which is 52% below its 10-year median of 8.38. GuruFocus rates SAU:4322 with a GF Score™ of 89/100 and a GF Value™ of ﷼18.60 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 1,804 Real Estate companies, Retal Urban Development Co ranks better than 80.1% on this metric.

ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Retal Urban Development Co's annualized Net Income for the quarter that ended in Mar. 2026 was ﷼237 Mil. Retal Urban Development Co's average Total Assets over the quarter that ended in Mar. 2026 was ﷼5,862 Mil. Therefore, Retal Urban Development Co's annualized ROA % for the quarter that ended in Mar. 2026 was 4.04%.

The historical rank and industry rank for Retal Urban Development Co's ROA % or its related term are showing as below:

SAU:4322' s ROA % Range Over the Past 10 Years
Min: 0.53   Med: 8.38   Max: 12.86
Current: 5.24

During the past 8 years, Retal Urban Development Co's highest ROA % was 12.86%. The lowest was 0.53%. And the median was 8.38%.

SAU:4322's ROA % is ranked better than
80.1% of 1804 companies
in the Real Estate industry
Industry Median: 1.71 vs SAU:4322: 5.24

Retal Urban Development Co  (SAU:4322) ROA % Explanation

ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A bank’s ROA % is typically well under 2%.

Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:

ROA %(Q: Mar. 2026 )
=Net Income/Total Assets
=237.084/5862.338
=(Net Income / Revenue)*(Revenue / Total Assets)
=(237.084 / 2309.616)*(2309.616 / 5862.338)
=Net Margin %*Asset Turnover
=10.27 %*0.394
=4.04 %

Note: The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).

Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.

E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.


Retal Urban Development Co ROA % Related Terms


Retal Urban Development Co ROA % Historical Data

* Premium members only.

The historical data trend for Retal Urban Development Co's ROA % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Retal Urban Development Co ROA % Chart

Retal Urban Development Co Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROA %
Get a 7-Day Free Trial 12.86 11.52 6.69 6.77 5.86

Retal Urban Development Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROA % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.07 5.33 4.16 7.35 4.04

Retal Urban Development Co ROA % Competitor Comparison

For the Real Estate - Development subindustry, Retal Urban Development Co's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Retal Urban Development Co ROA % vs Real Estate Industry

For the Real Estate industry and Real Estate sector, Retal Urban Development Co's ROA % distribution charts can be found below:

* The bar in red indicates where Retal Urban Development Co's ROA % falls into.


SAU:4322
89GF Score
Retal Urban Development Co SAU:4322
ROA % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Retal Urban Development Co ROA % Calculation

Retal Urban Development Co's annualized ROA % for the fiscal year that ended in Dec. 2025 is calculated as:

ROA %=Net Income (A: Dec. 2025 )/( (Total Assets (A: Dec. 2024 )+Total Assets (A: Dec. 2025 ))/ count )
=293.306/( (4235.399+5783.417)/ 2 )
=293.306/5009.408
=5.86 %

Retal Urban Development Co's annualized ROA % for the quarter that ended in Mar. 2026 is calculated as:

ROA %=Net Income (Q: Mar. 2026 )/( (Total Assets (Q: Dec. 2025 )+Total Assets (Q: Mar. 2026 ))/ count )
=237.084/( (5783.417+5941.259)/ 2 )
=237.084/5862.338
=4.04 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data, the Net Income data used here is four times the quarterly (Mar. 2026) net income data. ROA % is displayed in the 30-year financial page.

Frequently Asked Questions Learn more about ROA % →
What does a ROA % of 4.04% mean?
Retal Urban Development Co (SAU:4322) has a ROA % of 4.04% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Retal Urban Development Co and its competitors. This is 52% below median its historical median of 8.38. Over the past decade, Retal Urban Development Co's ROA % has ranged from 0.53 to 12.86. According to the industry distribution chart, Retal Urban Development Co ranks #359 out of 1804 companies in the Real Estate industry, placing it in the top 19.9%.
Is Retal Urban Development Co's ROA % too high?
Retal Urban Development Co's current ROA % of 4.04% is 52% below median its 10-year median of 8.38. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 12.86. The Real Estate industry median ROA % is 1.71. Retal Urban Development Co's value of 4.04% is 136.3% above this industry median. Based on the distribution chart, Retal Urban Development Co ranks #359 out of 1804 companies in the Real Estate industry, which is in the top quartile — a strong position relative to peers. Overall, Retal Urban Development Co has a GF Score™ of 89/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Retal Urban Development Co's ROA % compare to competitors?
According to the Real Estate industry distribution chart, Retal Urban Development Co ranks #359 out of 1804 companies for ROA %. This places Retal Urban Development Co in the top 20% of its industry — outperforming the majority of peers. The industry median ROA % is 1.71. Retal Urban Development Co's value of 4.04% is 136.3% above this benchmark. Historically, Retal Urban Development Co's own ROA % has ranged from 0.53 to 12.86 over the past decade. While the company's 10-year median is 8.38 vs. the industry median of 1.71, Retal Urban Development Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Real Estate company?
The median ROA % among Real Estate companies is 1.71, based on 1,804 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Retal Urban Development Co's current ROA % of 4.04% is 136.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Retal Urban Development Co and its competitors. For the Real Estate industry, the median ROA % is 1.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Retal Urban Development Co's current ROA % is 4.04%, which is 52% below median its own 10-year median of 8.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Retal Urban Development Co stock overvalued right now?
Based on GuruFocus' analysis, Retal Urban Development Co (SAU:4322) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼18.60, compared to a current price of ﷼11.13 — trading 40.2% below its estimated fair value. The current ROA % is 4.04%, which is 52% below median its 10-year median of 8.38 and 136.3% above the Real Estate industry median of 1.71. Retal Urban Development Co's overall GF Score™ is 89/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Retal Urban Development Co (SAU:4322), the current ROA % is 4.04% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Retal Urban Development Co (SAU:4322) Overvalued in 2026?

Based on GuruFocus' analysis, Retal Urban Development Co stock appears to be undervalued. The current stock price of ﷼11.13 is trading 40.2% below its estimated GF Value™ of ﷼18.60. GuruFocus considers Retal Urban Development Co to be Possible Value Trap.

Key valuation signals for SAU:4322:

  • ROA %: 4.04% (52% below median its 10-year median of 8.38)
  • GF Value™: ﷼18.60 vs. price of ﷼11.13 (40.2% below fair value)
  • GF Score™: 89/100 with 8 warning signs
  • Industry Position: 136.3% above the Real Estate median (#359 of 1804)

No single metric tells the full story. See the SAU:4322 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Retal Urban Development Co Business Description

Address Prince Faisal Bin Fahad Bin Abdul Aziz Street, P.O. Box 1448, Al Rawabi, Al Khobar, SAU, 31952
Retal Urban Development Co is principally engaged in the purchase and sale of lands, investment in real estate, its division, and the off-plan sales, and general construction of residential buildings, and non-residential buildings, including schools, hospitals, and hotels. It operates in the Real estate development segment, Investment segment, and other segments. The company derives the maximum revenue from Real Estate Development Segment, which represents properties which are under development, which are acquired, developed and sold.
89GF Score

Get the complete analysis for SAU:4322

ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼11.13
Price
﷼18.60
GF Value