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JUMIA TECHNOLOGIES AG-ADR (JMIA) Stock Fundamental Analysis

NYSE:JMIA - New York Stock Exchange, Inc. - US48138M1053 - ADR - Currency: USD

4.33  -0.12 (-2.7%)

After market: 4.39 +0.06 (+1.39%)

Fundamental Rating

2

JMIA gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 28 industry peers in the Broadline Retail industry. JMIA may be in some trouble as it scores bad on both profitability and health. JMIA does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

JMIA had negative earnings in the past year.
JMIA had a negative operating cash flow in the past year.
In the past 5 years JMIA always reported negative net income.
JMIA had a negative operating cash flow in each of the past 5 years.
JMIA Yearly Net Income VS EBIT VS OCF VS FCFJMIA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 -50M -100M -150M -200M -250M

1.2 Ratios

Looking at the Return On Assets, with a value of -43.00%, JMIA is doing worse than 92.86% of the companies in the same industry.
JMIA's Return On Equity of -109.17% is on the low side compared to the rest of the industry. JMIA is outperformed by 82.14% of its industry peers.
Industry RankSector Rank
ROA -43%
ROE -109.17%
ROIC N/A
ROA(3y)-59.52%
ROA(5y)-51.98%
ROE(3y)-133.65%
ROE(5y)-104.52%
ROIC(3y)N/A
ROIC(5y)N/A
JMIA Yearly ROA, ROE, ROICJMIA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 1K -1K -2K -3K -4K

1.3 Margins

The Gross Margin of JMIA (56.99%) is better than 78.57% of its industry peers.
JMIA's Gross Margin has improved in the last couple of years.
JMIA does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 56.99%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-1.35%
GM growth 5Y4.67%
JMIA Yearly Profit, Operating, Gross MarginsJMIA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150

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3

2. Health

2.1 Basic Checks

JMIA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, JMIA has more shares outstanding
JMIA has more shares outstanding than it did 5 years ago.
The debt/assets ratio for JMIA is higher compared to a year ago.
JMIA Yearly Shares OutstandingJMIA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
JMIA Yearly Total Debt VS Total AssetsJMIA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.2 Solvency

Based on the Altman-Z score of -13.25, we must say that JMIA is in the distress zone and has some risk of bankruptcy.
JMIA has a Altman-Z score of -13.25. This is amonst the worse of the industry: JMIA underperforms 82.14% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that JMIA is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.12, JMIA is doing good in the industry, outperforming 67.86% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Altman-Z -13.25
ROIC/WACCN/A
WACC7.7%
JMIA Yearly LT Debt VS Equity VS FCFJMIA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M

2.3 Liquidity

A Current Ratio of 1.57 indicates that JMIA should not have too much problems paying its short term obligations.
JMIA has a Current ratio (1.57) which is in line with its industry peers.
JMIA has a Quick Ratio of 1.46. This is a normal value and indicates that JMIA is financially healthy and should not expect problems in meeting its short term obligations.
JMIA's Quick ratio of 1.46 is fine compared to the rest of the industry. JMIA outperforms 60.71% of its industry peers.
Industry RankSector Rank
Current Ratio 1.57
Quick Ratio 1.46
JMIA Yearly Current Assets VS Current LiabilitesJMIA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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3

3. Growth

3.1 Past

JMIA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 39.78%, which is quite impressive.
Looking at the last year, JMIA shows a very negative growth in Revenue. The Revenue has decreased by -18.08% in the last year.
Measured over the past years, JMIA shows a decrease in Revenue. The Revenue has been decreasing by -1.38% on average per year.
EPS 1Y (TTM)39.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%66.15%
Revenue 1Y (TTM)-18.08%
Revenue growth 3Y-1.99%
Revenue growth 5Y-1.38%
Sales Q2Q%-25.83%

3.2 Future

JMIA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.30% yearly.
JMIA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.20% yearly.
EPS Next Y33.78%
EPS Next 2Y26.46%
EPS Next 3Y18.3%
EPS Next 5YN/A
Revenue Next Year-3.29%
Revenue Next 2Y2.77%
Revenue Next 3Y5.2%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
JMIA Yearly Revenue VS EstimatesJMIA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
JMIA Yearly EPS VS EstimatesJMIA Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 -1 -2 -3

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for JMIA. In the last year negative earnings were reported.
Also next year JMIA is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
JMIA Price Earnings VS Forward Price EarningsJMIA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
JMIA Per share dataJMIA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 -0.5 1

4.3 Compensation for Growth

A more expensive valuation may be justified as JMIA's earnings are expected to grow with 18.30% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y26.46%
EPS Next 3Y18.3%

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0

5. Dividend

5.1 Amount

No dividends for JMIA!.
Industry RankSector Rank
Dividend Yield N/A

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JUMIA TECHNOLOGIES AG-ADR

NYSE:JMIA (7/11/2025, 8:04:00 PM)

After market: 4.39 +0.06 (+1.39%)

4.33

-0.12 (-2.7%)

Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustryBroadline Retail
Earnings (Last)05-08 2025-05-08/bmo
Earnings (Next)08-05 2025-08-05
Inst Owners11.43%
Inst Owner Change0.12%
Ins Owners1.2%
Ins Owner ChangeN/A
Market Cap530.26M
Analysts42.86
Price Target3.62 (-16.4%)
Short Float %16.95%
Short Ratio3.39
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)10.4%
Min EPS beat(2)-42.16%
Max EPS beat(2)62.96%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-6.89%
Min Revenue beat(2)-9.08%
Max Revenue beat(2)-4.7%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-3.4%
EPS NQ rev (1m)31.25%
EPS NQ rev (3m)31.25%
EPS NY rev (1m)26.87%
EPS NY rev (3m)26.87%
Revenue NQ rev (1m)-2.09%
Revenue NQ rev (3m)-2.09%
Revenue NY rev (1m)-1.69%
Revenue NY rev (3m)-3.71%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 3.42
P/FCF N/A
P/OCF N/A
P/B 7.7
P/tB 7.7
EV/EBITDA N/A
EPS(TTM)-0.66
EYN/A
EPS(NY)-0.3
Fwd EYN/A
FCF(TTM)-0.71
FCFYN/A
OCF(TTM)-0.68
OCFYN/A
SpS1.26
BVpS0.56
TBVpS0.56
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -43%
ROE -109.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 56.99%
FCFM N/A
ROA(3y)-59.52%
ROA(5y)-51.98%
ROE(3y)-133.65%
ROE(5y)-104.52%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-1.35%
GM growth 5Y4.67%
F-Score2
Asset Turnover0.89
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 52.18%
Cap/Sales 2.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.57
Quick Ratio 1.46
Altman-Z -13.25
F-Score2
WACC7.7%
ROIC/WACCN/A
Cap/Depr(3y)54.36%
Cap/Depr(5y)53.7%
Cap/Sales(3y)2.8%
Cap/Sales(5y)2.85%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)39.78%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%66.15%
EPS Next Y33.78%
EPS Next 2Y26.46%
EPS Next 3Y18.3%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.08%
Revenue growth 3Y-1.99%
Revenue growth 5Y-1.38%
Sales Q2Q%-25.83%
Revenue Next Year-3.29%
Revenue Next 2Y2.77%
Revenue Next 3Y5.2%
Revenue Next 5YN/A
EBIT growth 1Y-50.29%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year14.34%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y55.06%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y54.89%
OCF growth 3YN/A
OCF growth 5YN/A