Framework Journal · one stock, one dated entry

Recorded 2026-07-24 · Permanent

Simon Property Group logoSimon Property Group SPG

Outside both standards

An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.

In plain words · Simon Property Group, Inc.

The label
Markup

read at $229.78

Simon Property Group holds its Markup at $229.78.

PHINPOOPSC
  • PHPhase · the trend structure carries the Markup label
  • INInsiders · insiders bought, latest filing 2026-06-30
  • POPositioning · no disclosures inside 60 days, left as found
  • OPOptions · no verdict drawn today, left as found
  • SCScreen · does not pass the values gate
  • edge confirmed
  • edge broken
  • edge forming

Each arm is one independent read. Conviction is not a single call, it is how many edges converge.

The investor read · the season, not the day

As held on the ledger · 2026-07-24
PhaseMarkup
Quantitative stateConsolidating, no directional conviction, held for 3 days
Price$229.78
Valuation15.97 trailing · 34.09 forward price to earnings
Values screenFAIL · score 10.0
Beta1.33

The opportunity · what the numbers say it is worth

Our framework reads AVOID — it trades above our $163.92 fair value estimate, strong competitive moat, 19.30% revenue growth.

Read at
$229.78
15.97 P/E · 34.09 fwd
Our fair value
$163.92
29% premium
Analyst target (avg)
$220.00
-4% to current
Target low $194.00Analyst target rangeTarget high $285.00
▲ current $229.78 · | average target

Price history & projections · where it has been, where the models see it going

$300$190$80TODAY5y agoPROJECTIONAnalyst high$285.00 +34%Analyst avg$220.00 +3%Conservative$163.92 -23%Our fair value$163.92 -23%

The valuation journey · where the price sits against fair value and the Street

Current
$229.78
you are here
Conservative
$163.92
-29%
Analyst avg
$220.00
-4%
Our fair value
$163.92
-29%
Analyst high
$285.00
+24%

Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.

Reading the gap · Both our model and the Street see limited upside at this price.

Revenue growth19.30%
Profit margin70.59%
Debt to equity457.47
Analyst consensusBuy · 19 covering

Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.

The values screen, explained · five checks, plain English

This company is excluded by both standards. There are two widely recognised ways to check whether a company is suitable for a Muslim investor. It fails on both:

The common standard · AAOIFI
Used by most halal investing apps
✗ DOES NOT PASS
Our stricter standard · asset-based
The one Titan applies
✗ DOES NOT PASS

Why it fails. The problem is its debt ratio. Because both standards agree on this, it is a clear exclusion, not a borderline case.

What these two standards are, and how they differ →

  • Business activity Its core business isn't built on prohibited lines — no gambling, alcohol, tobacco, weapons, or interest-based lending. Pass
  • Debt load Interest-bearing debt is 71.9% of its assets, above the one-third ceiling the screen allows. Fail
  • Interest-bearing cash Cash held in interest-bearing accounts and securities is 15.7% of assets, under the one-third limit. Pass
  • Receivables Money owed to the company is 4.3% of assets, under the 49% limit. Pass
  • Revenue purity Only 0.0% of revenue comes from non-compliant sources — under the 5% line. Pass

Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.

The business, in plain words · what the numbers mean

Malls Draw Crowds But Debt Raises Flags

Picture packed shopping centres on a Saturday and it is easy to assume the retail property business is back on track. Simon Property Group shows a strong moat, 19 percent revenue growth, 71 percent profit margins and 114 percent ROE, yet we pass because the shares trade at 33.9 times forward earnings against a fair value well below the current price and the ethical screen flags excessive debt.

That debt burden sits at the centre of the problem. A high valuation leaves little room for error if consumer spending slows or interest costs rise, and the ethical failure on leverage rules the name out regardless of analyst buy ratings or a median target near the current level.

Analysis, not advice.

The fundamentals · plain-English read
Forward P/E34.1x
priced for continued growth
Trailing P/E16.0x
reasonably valued
Revenue growth19.3%
steady growth
Profit margin70.6%
highly profitable on every dollar of sales
Return on equity113.6%
an exceptional return on shareholder capital
Debt to equity4.57
heavy leverage — higher risk if revenue softens
Current ratio0.20
below 1 — short-term bills exceed liquid assets
Beta1.33
moves a little more than the market
Market cap$87.3B
Employees3,100

The risks · The things to watch: it already moves more than the market on an average day; it carries a real debt load, which raises the stakes if revenue slips.

Plain-English interpretation of our own screen data. Analysis, not advice.

Latest news · what the market is reading on SPG

Headlines from third-party outlets, linked for reference — not our reporting, not advice.

Related securities · others in SPG's space worth a look

Screened names in the same industry · explore each on its own page.

Where & how to trade · wherever in the world you are

SPG trades on a US exchange. As a US-listed security it is accessible through almost any international broker offering US markets. New to this, or investing from outside the US? Our guide to accessing global markets covers brokers, currencies and the practical steps.

The trader read · the latest dated commentary

The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 39%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (20 analysts) rates it buy, with a mean price target of $214. It reported earnings in this window, a natural checkpoint for the thesis. Entered 2026-07-28 · Markup

The dated journal · newest first, never edited

2026-07-28 Markup $229.78 +0.0% Entry 5

The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 39%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (20 analysts) rates it buy, with a mean price target of $214. It reported earnings in this window, a natural checkpoint for the thesis.

2026-07-27 Markup $229.78 +9.3% Entry 4

The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 9.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 39%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (20 analysts) rates it buy, with a mean price target of $214. It reported earnings in this window, a natural checkpoint for the thesis.

2026-07-18 Markup $210.31 +0.0% Entry 3

The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 39%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (20 analysts) rates it buy, with a mean price target of $214.

2026-07-03 Markup $210.31 +0.0% Entry 2

The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.

2026-07-02 Markup $210.31 Entry 1

The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.

Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.

The insider ledger · Form 4 filings, as filed

Most recent filings · SPG
DateInsiderTitleTypeSharesValue
2026-06-30 Selig Stefan M Dir Purchase 220 $1
2026-06-30 Leibowitz Reuben S Dir Purchase 508 $1
2026-06-30 Glasscock Larry C Dir Purchase 397 $1
2026-06-30 Stewart Marta R Dir Purchase 182 $1
2026-06-30 Smith Daniel C. Dir Purchase 372 $1
2026-06-30 Rodkin Gary M Dir Purchase 256 $1
2026-06-30 Aeppel Glyn Dir Purchase 243 $1
2026-05-13 GLASSCOCK LARRY C Director 1,233 ·
2026-05-13 LEIBOWITZ REUBEN S Director 1,159 ·
2026-05-13 RODKIN GARY M Director 1,073 ·

Public filings, recorded as found. The full tape lives at Insider Intelligence.

The political ledger · congressional disclosures

Disclosures naming SPG
DatePoliticianPartyTypeAmount
2026-05-08 Bill Keating Democrat Purchase 1K–15K
2026-04-20 Jonathan Jackson Democrat Purchase 15K–50K
20 Apr2026 Jonathan Jackson Democrat buy 15K–50K

What holding actually paid · price plus dividends

If $1,000 had been placed · historical, not a promise
PeriodPrice thenPrice returnDivs per share$1,000 becameTotal return
1 month $198.82 +7.0% $2.25 $1,082 +8.2%
2 months $198.39 +7.3% $2.25 $1,084 +8.4%
3 months $185.53 +14.7% $2.25 $1,159 +15.9%
6 months $177.82 +19.7% $4.45 $1,222 +22.2%
1 year $153.59 +38.6% $8.80 $1,443 +44.3%
2 years $138.14 +54.1% $17.15 $1,665 +66.5%
3 years $95.00 +124.0% $24.90 $2,502 +150.2%
5 years $101.75 +109.1% $40.00 $2,485 +148.5%

Historical returns from market close data. Past performance does not guarantee future results.

This entry now belongs to the ledger. Whatever SPG does next, these words stay.

Simon Property Group · SPG · Markup · $229.78
Recorded 2026-07-24 · before the outcome · scored mechanically

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