JUMIA TECHNOLOGIES AG-ADR (JMIA) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:JMIA • US48138M1053

11.91 USD
+1.46 (+13.97%)
At close: Feb 6, 2026
11.9107 USD
+0 (+0.01%)
After Hours: 2/6/2026, 8:04:00 PM
Fundamental Rating

2

JMIA gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 30 industry peers in the Broadline Retail industry. Both the profitability and financial health of JMIA have multiple concerns. JMIA is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

1

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.
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 (-43.38%) is worse than 86.67% of its industry peers.
  • JMIA has a Return On Equity of -130.20%. This is amonst the worse of the industry: JMIA underperforms 80.00% of its industry peers.
Industry RankSector 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
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

  • JMIA's Gross Margin of 55.24% is fine compared to the rest of the industry. JMIA outperforms 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 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%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

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.
  • Compared to 1 year ago, JMIA has a worse debt to assets ratio.
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 -10.66. This is a bad value and indicates that JMIA is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of JMIA (-10.66) is worse than 83.33% of its industry peers.
  • A Debt/Equity ratio of 0.15 indicates that JMIA is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.15, JMIA is doing good in the industry, outperforming 73.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Altman-Z -10.66
ROIC/WACCN/A
WACC7.74%
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 1.38. This is a normal value and indicates that JMIA is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of JMIA (1.38) is comparable to the rest of the industry.
  • JMIA has a Quick Ratio of 1.28. 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 Quick ratio of 1.28. This is comparable to the rest of the industry: JMIA outperforms 50.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.38
Quick Ratio 1.28
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 41.83% over the past year.
  • 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.
  • The Revenue is expected to grow by 14.93% on average over the next years. This is quite good.
EPS Next Y55.27%
EPS Next 2Y30%
EPS Next 3Y24.99%
EPS Next 5YN/A
Revenue Next Year6.65%
Revenue Next 2Y14.4%
Revenue Next 3Y14.93%
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 250M
JMIA Yearly EPS VS EstimatesJMIA Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 -1 -2 -3

More info and screens

Find the best growth stocksShow best growing peers

1

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 20 -20 40 -40 60 80

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. Dividend

5.1 Amount

  • No dividends for JMIA!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

JUMIA TECHNOLOGIES AG-ADR

NYSE:JMIA (2/6/2026, 8:04:00 PM)

After market: 11.9107 +0 (+0.01%)

11.91

+1.46 (+13.97%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustryBroadline Retail
Earnings (Last)11-12
Earnings (Next)02-18
Inst Owners22.89%
Inst Owner Change0.61%
Ins Owners1.2%
Ins Owner ChangeN/A
Market Cap1.46B
Revenue(TTM)164.02M
Net Income(TTM)-69.73M
Analysts80
Price Target11.41 (-4.2%)
Short Float %6.25%
Short Ratio1.14
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)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)45.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)10.54%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.17%
Revenue NY rev (1m)-0.85%
Revenue NY rev (3m)-1.57%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 8.89
P/FCF N/A
P/OCF N/A
P/B 27.23
P/tB 27.23
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 RankSector 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 RankSector 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 -10.66
F-Score2
WACC7.74%
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 Year6.65%
Revenue Next 2Y14.4%
Revenue Next 3Y14.93%
Revenue Next 5YN/A
EBIT growth 1Y-52.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year10.82%
EBIT Next 3Y25.07%
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 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.