JUMIA TECHNOLOGIES AG-ADR (JMIA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:JMIA - US48138M1053 - ADR
12.28 USD
-0.47 (-3.69%)
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. JMIA may be in some trouble as it scores bad on both profitability and health. JMIA is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
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.
In the past 5 years JMIA always reported negative net income.
In the past 5 years JMIA always reported negative operating cash flow.
1.2 Ratios
With a Return On Assets value of -43.38%, JMIA is not doing good in the industry: 86.67% of the companies in the same industry are doing better.
JMIA has a worse Return On Equity (-130.20%) than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -43.38% | ||
| ROE | -130.2% | ||
| 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
1.3 Margins
The Gross Margin of JMIA (55.24%) is better than 76.67% of its industry peers.
In the last couple of years the Gross Margin of JMIA has grown nicely.
JMIA does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 55.24% |
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%
2. Health
2.1 Basic Checks
JMIA does not have a ROIC to compare to the WACC, probably because it is not profitable.
JMIA has more shares outstanding than it did 1 year ago.
The number of shares outstanding for JMIA has been increased compared to 5 years ago.
Compared to 1 year ago, JMIA has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -9.09, we must say that JMIA is in the distress zone and has some risk of bankruptcy.
JMIA's Altman-Z score of -9.09 is on the low side compared to the rest of the industry. JMIA is outperformed by 76.67% of its industry peers.
JMIA has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
JMIA has a better Debt to Equity ratio (0.15) than 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -9.09 |
ROIC/WACCN/A
WACC7.65%
2.3 Liquidity
JMIA has a Current Ratio of 1.38. 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 1.38. This is in the lower half of the industry: JMIA underperforms 60.00% of its industry peers.
A Quick Ratio of 1.28 indicates that JMIA should not have too much problems paying its short term obligations.
JMIA has a Quick ratio (1.28) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.38 | ||
| Quick Ratio | 1.28 |
3. Growth
3.1 Past
JMIA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.83%, which is quite impressive.
Looking at the last year, JMIA shows a decrease in Revenue. The Revenue has decreased by -7.32% in the last year.
JMIA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.38% yearly.
EPS 1Y (TTM)41.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.78%
Revenue 1Y (TTM)-7.32%
Revenue growth 3Y-1.99%
Revenue growth 5Y-1.38%
Sales Q2Q%25.14%
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.
Based on estimates for the next years, JMIA will show a quite strong growth in Revenue. The Revenue will grow by 12.63% on average per year.
EPS Next Y55.27%
EPS Next 2Y30%
EPS Next 3Y24.99%
EPS Next 5YN/A
Revenue Next Year5.13%
Revenue Next 2Y10.79%
Revenue Next 3Y12.63%
Revenue Next 5YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
JMIA reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for JMIA. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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%
5. Dividend
5.1 Amount
No dividends for JMIA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:JMIA (12/12/2025, 12:35:04 PM)
12.28
-0.47 (-3.69%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustryBroadline Retail
Earnings (Last)
Earnings (Next)
Inst Owners22.93%
Inst Owner Change101.15%
Ins Owners1.2%
Ins Owner ChangeN/A
Market Cap1.50B
Revenue(TTM)164.02M
Net Income(TTM)-69.73M
Analysts80
Price Target7.84 (-36.16%)
Short Float %11.29%
Short Ratio2.02
Dividend
| Industry Rank | Sector 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)2
Avg EPS beat(2)51.18%
Min EPS beat(2)39.39%
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)-4.71%
Min Revenue beat(2)-9.08%
Max Revenue beat(2)-0.34%
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)38.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)10.54%
EPS NY rev (3m)38.7%
Revenue NQ rev (1m)-2.17%
Revenue NQ rev (3m)-0.6%
Revenue NY rev (1m)-2.97%
Revenue NY rev (3m)3.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 9.17 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 28.08 | ||
| P/tB | 28.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.58
EYN/A
EPS(NY)-0.23
Fwd EYN/A
FCF(TTM)-0.75
FCFYN/A
OCF(TTM)-0.71
OCFYN/A
SpS1.34
BVpS0.44
TBVpS0.44
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -43.38% | ||
| ROE | -130.2% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 55.24% | ||
| 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-Score2
Asset Turnover1.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 54.38% | ||
| Cap/Sales | 2.66% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.38 | ||
| Quick Ratio | 1.28 | ||
| Altman-Z | -9.09 |
F-Score2
WACC7.65%
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)41.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.78%
EPS Next Y55.27%
EPS Next 2Y30%
EPS Next 3Y24.99%
EPS Next 5YN/A
Revenue 1Y (TTM)-7.32%
Revenue growth 3Y-1.99%
Revenue growth 5Y-1.38%
Sales Q2Q%25.14%
Revenue Next Year5.13%
Revenue Next 2Y10.79%
Revenue Next 3Y12.63%
Revenue Next 5YN/A
EBIT growth 1Y-52.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year10.87%
EBIT Next 3Y23.61%
EBIT Next 5YN/A
FCF growth 1Y40.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y40.34%
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 of JUMIA TECHNOLOGIES AG-ADR (JMIA) stock?
ChartMill assigns a valuation rating of 1 / 10 to JUMIA TECHNOLOGIES AG-ADR (JMIA). This can be considered as Overvalued.
Can you provide the profitability details for JUMIA TECHNOLOGIES AG-ADR?
JUMIA TECHNOLOGIES AG-ADR (JMIA) has a profitability rating of 1 / 10.
What is the financial health of JUMIA TECHNOLOGIES AG-ADR (JMIA) stock?
The financial health rating of JUMIA TECHNOLOGIES AG-ADR (JMIA) is 2 / 10.