Umm Al Qura For Development And Construction Company · TADAWUL:4325
Umm Al Qura For Development And Construction — Q2 2026 Earnings Presentation
21 slides from Umm Al Qura For Development And Construction's earnings presentation, Aug 4, 2026
Slide 1: Q2 2026 Earnings Presentation
Umm Al Qura for Development and Construction Company Q2 2026 Earnings Presentation 4 August 2026 1
Slide 2: Disclaimer
By reading this earning presentation 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 o
Slide 3: Q2 Key Highlights
1 Q2 Key Highlights Yasser AbuAteek Chief Executive Officer
Slide 4: Q2 2026 Highlights Key Developments
Q2 2026 Highlights Key Developments .. SAR 915.9Mn Revenue (37% YoY) 2026-2030 Strategy SAR 445.7Mn 48.7% Gross Profit (38% YoY) Gross Margin (0.4% YoY) MASAR Gardens SAR 359.9Mn 39.3% Operating Profit (45% YoY) Operating Margin (2.1% YoY) Foreign Ownership Reforms SAR 216.1Mn 23.6% Net Profit (-9%
Slide 5: MASAR demonstrates UAQ's ability to create lasting destination value
MASAR demonstrates UAQ’s ability to create lasting destination value 81 100% Total plots agreed Completion of major to develop infrastructure works 30+ 40% Strategic Percentage of lands partnerships activated / actioned 5
Slide 6: Market Overview
2 Market Overview Tariq Sharaf Chief Investment Officer
Slide 7: Supply & Demand Outlook
Supply & Demand Outlook Hospitality market demand and supply Residential market cumulative supply Retail market supply & demand (Room nights in mn) and demand gap (2023 – 2030) (GLA sqm in 000’s) 24k units needed Shortfall 2.0m No. of dwellings in 000’s 698 674 Shortfall 1.8m Shortfall 33k 30.2 28.2
Slide 8: Growth Catalysts
Growth Catalysts 1 2 3 Foreign ownership Pilgrim growth Government-led reform expands reinforces recurring urban investment investor access demand unlocks new growth New regulations broaden the Eased Umrah visa policies Coordinated regeneration, potential buyer & investor pool and higher pilgrimage
Slide 9: Masterplan Overview
Masterplan Overview Asset Type Mix (%) Plots (#) Units (#) GFA (sqm) 203 5.8Mn Hospitality 64% 110 ~41K 3.7Mn Residential 29% 68 ~10K 1.7Mn Investment Total GFA Retail 5% 22 - 0.3Mn Plots (sqm) Healthcare 2% 3 - 0.1Mn 9
Slide 10: Monetization Framework
Monetization Framework Development Strategy Diversified Infrastructure Optimal capital Strategic Integrated Drivers offering ready structure partnerships masterplan Self Land Sales Land Lease Joint Ventures Development • Serviced plots sold at • Leased at a floor of 3% • Funding secured for • Land-f
Slide 11: Monetization Progress
Monetization Progress Zone 3 Zone 2 Zone 1 Sold / Leased Reserved SAR ~35k / sqm* SAR ~65k / sqm SAR ~112K / sqm Sold 18 11 16 45 Leased 23 0 4 27 Self-Developments 2 0 6 8 Joint Ventures 1 0 0 1 Disclosed Pipeline* 7 6 3 16 Remaining Plots 7 64 35 106 Total 58 81 64 203 As of end of Q2’26 Source: c
Slide 12: Foreign Ownership Reform
Foreign Ownership Reform Key execution enablers Impact Designated ownership zones approved • Increase the depth of our addressable market Geographic scope framework established by expanding the potential buyer, investor Investor eligibility defined and partner base Multiple ownership structures enab
Slide 13: MASAR Gardens
MASAR Gardens 1.2 Mn 210 140K Square-Meters of Total Mixed-use Square-Meters of Project Area Development Plots Green Spaces 8Km 17Km Pedestrian Pathways Cycling Tracks Under a management development model
Slide 14: Financial performance and outlook
Financial performance 3 and outlook Saeed Al Ghamdi Chief Financial Officer
Slide 15: Topline & Bottomline Overview
Topline & Bottomline Overview Revenue (SAR Mn) Net Profit (SAR Mn) Q1 2,903.2 983.4 Q2 1,823.9 489.6 396.3 1,171.2 995.5 261 669.2 236.7 915.9 216.1 502.0 159.7 80.0 44.9 FY 2024 FY 2025 H1 2025 H1 2026 FY 2024 FY 2025 H1 2025 H1 2026 • Higher revenues quarter to quarter were primarily driven by hig
Slide 16: YoY Operating Margin
YoY Operating Margin Operating Expenses (SAR Mn) Operating Profit (SAR Mn) Other operating expenses S&M G&A Allowance for ECL Q1 Q2 1,093.8 345 382.6 4.1 20.8 166.5 229.3 557.6 197.6 269.3 9.9 456 424.7 0.5 171.7 248.9 63.8 120 359.9 79.50 92.50 175.7 96.1 46 47.7 FY 2024 FY 2025 H1 2025 H1 2026 FY
Slide 17: Capital Management
Capital Management Total Debt (SAR Bn) Debt Repayment (SAR Bn) 4.7 9.9 7.5 7.4 2.0 0.7 FY 2024 FY 2025 H1 2026 2 Years 3-5 Years 5+ Years • Total debt has declined consistently from SAR 9.9bn in FY2024 to SAR 7.4bn as of H1 2026, reflecting disciplined deleveraging • Debt maturities remain well spre
Slide 18: Financial Position
Financial Position Total Assets Investment properties Cash & Cash Equivalent 25.7 760.5 25.4 20.2 25.1 Assets 16.3 15.7 513.0 227.0 Debt to Equity FY 2024 FY 2025 H1 2026 FY 2024 FY 2025 H1 2026 FY 2024 FY 2025 H1 2026 0.46x as of 30 June 2025 Debt to Total Assets Total Debt Total Liabilities Total
Slide 19: Positioned for Long-Term Value Creation
Positioned for Long-Term Value Creation Unique value proposition • Holistic breadth of offerings with 23 hospitality, 33 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 20: Q&A
Q&A
Slide 21: Thank You!
Thank You! 21
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