Retal Urban Development Company (4322.SR) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-28). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen. A company whose core business is in an excluded sector — weapons/defense, alcohol, gambling, conventional (interest-based) finance, tobacco, pork, or adult entertainment — is non-compliant even if every debt and income ratio passes. So passing ratios below don't override this verdict; check the business-activity screen for the reason.
Computed from published company financials, balance sheet as of 2025-12-31. 4322.SR files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: cleared (no excluded categories detected)
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 30.88% | 30.00% | Fail |
| Interest-bearing investments | 3.46% | 30.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 26.36% | 33.00% | Pass |
| Interest-bearing investments | 2.89% | 33.00% | Pass |
| Non-liquid assets | 87.57% | at least 20.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 25.79% | 33.33% | Pass |
| Cash + interest-bearing securities | 2.89% | 33.33% | Pass |
| Accounts receivable | 12.43% | 33.33% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 25.79% | 33.33% | Pass |
| Cash + interest-bearing securities | 2.89% | 33.33% | Pass |
| Accounts receivable | 12.43% | 50.00% | Pass |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 21.64% | 33.00% | Pass |
| Cash + interest-bearing securities | 2.42% | 33.00% | Pass |
| Accounts receivable | 8.01% | 33.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 24.24% | 33.00% | Pass |
| Cash + interest-bearing securities | 2.71% | 49.00% | Pass |
| Accounts receivable | 8.97% | 49.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 24.24% | 33.33% | Pass |
| Cash + interest-bearing securities | 2.71% | 33.33% | Pass |
| Accounts receivable | 11.68% | 49.00% | Pass |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 37.00 | NEUTRAL |
| Stochastic %K (14) | 0.00 | BUY |
| CCI (20) | -45.09 | NEUTRAL |
| Williams %R (14) | -100.00 | BUY |
| MACD (12,26,9) | 0.03 | BUY |
| ROC (10) | -4.21 | SELL |
| Momentum (10) | -0.42 | SELL |
| EMA (10) | 9.76 | SELL |
| SMA (10) | 9.81 | SELL |
| EMA (20) | 9.86 | SELL |
| SMA (20) | 9.76 | SELL |
| EMA (30) | 10.02 | SELL |
| SMA (30) | 9.82 | SELL |
| EMA (50) | 10.42 | SELL |
| SMA (50) | 10.44 | SELL |
| EMA (100) | 11.17 | SELL |
| SMA (100) | 11.64 | SELL |
| EMA (200) | 11.66 | SELL |
| SMA (200) | 12.15 | SELL |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Real Estate · Real Estate - Development
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.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.