JUMIA TECHNOLOGIES AG-ADR (JMIA) Fundamental Analysis & Valuation

NYSE:JMIA • US48138M1053

7.6 USD
-0.31 (-3.92%)
At close: Mar 6, 2026
7.58 USD
-0.02 (-0.26%)
After Hours: 3/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This JMIA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

Taking everything into account, JMIA scores 2 out of 10 in our fundamental rating. JMIA was compared to 30 industry peers in the Broadline Retail industry. Both the profitability and financial health of JMIA have multiple concerns. While showing a medium growth rate, JMIA is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

1

1. JMIA Profitability Analysis

1.1 Basic Checks

  • JMIA had negative earnings in the past year.
  • In the past year JMIA has reported a negative cash flow from operations.
  • JMIA had negative earnings in each of the past 5 years.
  • In the past 5 years JMIA always reported negative operating cash flow.
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

  • The Return On Assets of JMIA (-49.06%) is worse than 96.67% of its industry peers.
  • JMIA's Return On Equity of -199.45% is on the low side compared to the rest of the industry. JMIA is outperformed by 80.00% of its industry peers.
Industry RankSector Rank
ROA -49.06%
ROE -199.45%
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 (52.82%) is better than 76.67% of its industry peers.
  • In the last couple of years the Gross Margin of JMIA has grown nicely.
  • The Profit Margin and Operating Margin are not available for JMIA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 52.82%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. JMIA Health Analysis

2.1 Basic Checks

  • JMIA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for JMIA has been increased compared to 1 year ago.
  • 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

  • JMIA has an Altman-Z score of -14.71. This is a bad value and indicates that JMIA is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -14.71, JMIA is doing worse than 86.67% of the companies in the same industry.
  • JMIA has a Debt/Equity ratio of 0.23. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.23, JMIA is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF N/A
Altman-Z -14.71
ROIC/WACCN/A
WACC8.98%
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

  • JMIA has a Current Ratio of 1.20. This is a normal value and indicates that JMIA is financially healthy and should not expect problems in meeting its short term obligations.
  • JMIA has a Current ratio of 1.20. This is in the lower half of the industry: JMIA underperforms 70.00% of its industry peers.
  • A Quick Ratio of 1.12 indicates that JMIA should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.12, JMIA is in line with its industry, outperforming 46.67% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.2
Quick Ratio 1.12
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. JMIA Growth Analysis

3.1 Past

  • JMIA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.79%, which is quite impressive.
  • JMIA shows a small growth in Revenue. In the last year, the Revenue has grown by 2.79%.
  • 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)40.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%12.44%
Revenue 1Y (TTM)2.79%
Revenue growth 3Y-1.99%
Revenue growth 5Y-1.38%
Sales Q2Q%25.26%

3.2 Future

  • Based on estimates for the next years, JMIA will show a very strong growth in Earnings Per Share. The EPS will grow by 24.99% on average per year.
  • JMIA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.22% yearly.
EPS Next Y55.27%
EPS Next 2Y30%
EPS Next 3Y24.99%
EPS Next 5YN/A
Revenue Next Year6.57%
Revenue Next 2Y14.21%
Revenue Next 3Y15.6%
Revenue Next 5Y16.22%

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
JMIA Yearly Revenue VS EstimatesJMIA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 100M 200M 300M
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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Find the best growth stocksShow best growing peers

1

4. JMIA Valuation Analysis

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 20 -20

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 24.99% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30%
EPS Next 3Y24.99%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. JMIA Dividend Analysis

5.1 Amount

  • JMIA does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

JMIA Fundamentals: All Metrics, Ratios and Statistics

JUMIA TECHNOLOGIES AG-ADR

NYSE:JMIA (3/6/2026, 8:04:00 PM)

After market: 7.58 -0.02 (-0.26%)

7.6

-0.31 (-3.92%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustryBroadline Retail
Earnings (Last)02-10
Earnings (Next)N/A
Inst Owners22.89%
Inst Owner Change15.43%
Ins Owners1.2%
Ins Owner ChangeN/A
Market Cap930.72M
Revenue(TTM)173.22M
Net Income(TTM)-70.77M
Analysts80
Price Target12.11 (59.34%)
Short Float %8.29%
Short Ratio1.57
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)2
Avg EPS beat(2)24.97%
Min EPS beat(2)10.54%
Max EPS beat(2)39.39%
EPS beat(4)3
Avg EPS beat(4)17.68%
Min EPS beat(4)-42.16%
Max EPS beat(4)62.96%
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)-5.16%
Min Revenue beat(2)-9.99%
Max Revenue beat(2)-0.34%
Revenue beat(4)0
Avg Revenue beat(4)-6.03%
Min Revenue beat(4)-9.99%
Max Revenue beat(4)-0.34%
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)6.14%
PT rev (3m)54.58%
EPS NQ rev (1m)25%
EPS NQ rev (3m)25%
EPS NY rev (1m)0%
EPS NY rev (3m)10.54%
Revenue NQ rev (1m)2.43%
Revenue NQ rev (3m)-5.95%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-1.65%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.37
P/FCF N/A
P/OCF N/A
P/B 26.23
P/tB 26.23
EV/EBITDA N/A
EPS(TTM)-0.3
EYN/A
EPS(NY)-0.23
Fwd EYN/A
FCF(TTM)-0.63
FCFYN/A
OCF(TTM)-0.59
OCFYN/A
SpS1.41
BVpS0.29
TBVpS0.29
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -49.06%
ROE -199.45%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 52.82%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score1
Asset Turnover1.2
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 59.95%
Cap/Sales 2.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.2
Quick Ratio 1.12
Altman-Z -14.71
F-Score1
WACC8.98%
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)40.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%12.44%
EPS Next Y55.27%
EPS Next 2Y30%
EPS Next 3Y24.99%
EPS Next 5YN/A
Revenue 1Y (TTM)2.79%
Revenue growth 3Y-1.99%
Revenue growth 5Y-1.38%
Sales Q2Q%25.26%
Revenue Next Year6.57%
Revenue Next 2Y14.21%
Revenue Next 3Y15.6%
Revenue Next 5Y16.22%
EBIT growth 1Y-41.75%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year11.78%
EBIT Next 3Y26.67%
EBIT Next 5Y24.61%
FCF growth 1Y35.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y37.49%
OCF growth 3YN/A
OCF growth 5YN/A

JUMIA TECHNOLOGIES AG-ADR / JMIA FAQ

What is the ChartMill fundamental rating of JUMIA TECHNOLOGIES AG-ADR (JMIA) stock?

ChartMill assigns a fundamental rating of 2 / 10 to JMIA.


What is the valuation status for JMIA stock?

ChartMill assigns a valuation rating of 1 / 10 to JUMIA TECHNOLOGIES AG-ADR (JMIA). This can be considered as Overvalued.


How profitable is JUMIA TECHNOLOGIES AG-ADR (JMIA) stock?

JUMIA TECHNOLOGIES AG-ADR (JMIA) has a profitability rating of 1 / 10.


Can you provide the financial health for JMIA stock?

The financial health rating of JUMIA TECHNOLOGIES AG-ADR (JMIA) is 2 / 10.


What is the earnings growth outlook for JUMIA TECHNOLOGIES AG-ADR?

The Earnings per Share (EPS) of JUMIA TECHNOLOGIES AG-ADR (JMIA) is expected to grow by 55.27% in the next year.