BMW XM vs Lamborghini Urus
Value retention, real cost and monthly money, compared on the same 2026 South African data.
The Lamborghini Urus wins on money kept: 57% retained after three years vs 53%, worth about R 808 958 at trade-in time.
Both curves, one chart
Head to head
| XM | Urus | |
|---|---|---|
| New price (from) | R 3 675 000 | R 4 875 000 |
| ±Monthly instalment | R 64 233/m | R 85 207/m |
| Retained after 1 year | 75% | 78% |
| Retained after 3 years | 53% | 57% |
| Value after 3 years | R 1 956 479 | R 2 765 438 |
| Lost to depreciation (3y) | R 1 718 521 | R 2 109 562 |
| Value after 5 years | R 1 345 481 | R 1 973 657 |
| Our tier | Luxury flagship & exotic | Luxury flagship & exotic |
BMW XM →
The XM is BMW M's plug-in hybrid flagship SUV, sold in South Africa since 2023 at close to four million rand. Divisive styling and flagship pricing keep volumes tiny. Early examples have already shed value heavily.
Known for: divisive m flagship hybrid suv
Lamborghini Urus →
The Urus is comfortably Lamborghini's best seller in South Africa and the car that made the brand a regular sight in Sandton and Umhlanga. The current plug-in hybrid Urus SE lists from around R4.9 million. Used supply is now substantial, so earlier cars have depreciated in a way older Lamborghinis never did.
Known for: the lamborghini you can use every day
Common questions
Which holds value better, the BMW XM or the Lamborghini Urus?
The Lamborghini Urus. It keeps about 57% of its price after three years against 53% for the BMW XM, a gap of 3 points.
Which is cheaper to own over three years?
Depreciation is the biggest ownership cost. The BMW XM loses about R 1 718 521 over three years and the Lamborghini Urus loses about R 2 109 562. Fuel, insurance and servicing can narrow or widen that, but the depreciation gap is the number to start from.
What do they cost per month?
On typical finance (10% deposit, 72 months, 11.75%), the BMW XM runs about R 64 233 per month and the Lamborghini Urus about R 85 207, before fees and insurance.
Keep going
Modelled estimates on a retail basis; spec levels and real transaction prices vary.