JMIA Stock Analysis: Jumia Technologies | NYSE
Internet Retail | NYSE, USA | Market Cap: 779m USD | 12M Return: -46.7% | US48138M1053 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.65M
Qual. Beats: 0
Rev. Trend: 33.5%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 7.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Jumia Technologies AG (NYSE: JMIA) is a Berlin-headquartered e-commerce company operating a multi-sided platform across Africa, Europe, and the UAE. The platform integrates three core services: a marketplace connecting sellers and buyers, an in-house logistics network handling shipments and last-mile delivery, and a payment service that works with licensed local providers to process transactions. Its marketplace spans categories such as phones, electronics, home and living, fashion, beauty, and fast-moving consumer goods, and it serves consumers, retailers, distributors, and other corporate buyers.
The company was originally founded as Africa Internet Holding GmbH in 2012 and rebranded to Jumia Technologies AG in January 2019, with its U.S. listing following in April 2019. Jumia functions as a hybrid of marketplace operator and infrastructure provider, since its logistics and payment arms are also used by third parties, which is a common structural feature of e-commerce platforms operating in regions with limited legacy retail and delivery infrastructure.
- Active consumers and orders accelerate marketplace revenue growth
- African currency volatility pressures reported revenue and margins
- Competition from Amazon and local rivals intensifies across key markets
| Net Income: -57.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.45 > 0.02 and ΔFCF/TA -7.66 > 1.0 |
| NWC/Revenue: -5.53% < 20% (prev 22.78%; Δ -28.32% < -1%) |
| CFO/TA -0.35 > 3% & CFO -37.9m > Net Income -57.7m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 0.88 > 1.5 & < 3 |
| Outstanding Shares: last quarter (62.0m) vs 12m ago -49.38% < -2% |
| Gross Margin: 55.33% > 18% (prev 55.24%; Δ 0.09% > 0.5%) |
| Asset Turnover: 155.8% > 50% (prev 102.0%; Δ 53.75% > 0%) |
| Interest Coverage Ratio: -8.23 > 6 (EBIT TTM -50.9m / Interest Expense TTM 6.18m) |
| A: -0.11 (Total Current Assets 85.9m - Total Current Liabilities 97.4m) / Total Assets 108.2m |
| B: -20.90 (Retained Earnings -2.26b / Total Assets 108.2m) |
| C: -0.38 (EBIT TTM -50.9m / Avg Total Assets 134.4m) |
| D: 0.01 (Book Value of Equity 888k / Total Liabilities 107.8m) |
| Altman-Z'' = -71.36 = D |
| DSRI: 0.71 (Receivables 19.7m/21.8m, Revenue 209.5m/164.0m) |
| GMI: 1.00 (GM 55.24% / 55.33%) |
| AQI: 0.35 (AQ_t 0.01 / AQ_t-1 0.04) |
| SGI: 1.28 (Revenue 209.5m / 164.0m) |
| TATA: -0.18 (NI -57.7m - CFO -37.9m) / TA 108.2m) |
| Beneish M = -3.48 (Cap -4..+1) = AA |
As of October 26, 2026, the stock is trading at USD 5.70 with a total of 1,206,185 shares traded. Over the past week, the price has changed by -2.23%, over one month by -17.87%, over three months by -3.88% and over the past year by -46.68%.
Current recommended Stop Loss: 5.30 (which is 7% or 1.3 ATR below the current price).
Jumia Technologies has received a consensus analysts rating of 4.80. Therefore, it is recommended to buy JMIA.
- StrongBuy: 4
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 12 | 111.2% |
P/S = 3.7171
P/B = 1044.3281
Revenue TTM = 209.5m USD
EBIT TTM = -50.9m USD
EBITDA TTM = -42.8m USD
Long Term Debt = 9.47m USD (from longTermDebt, last quarter)
Short Term Debt = 4.46m USD (from shortTermDebt, last quarter)
Debt = 25.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 11.7m
Net Debt = 10.8m USD (calculated: Debt 25.6m - CCE 14.8m)
Enterprise Value = 789.9m USD (779.0m + Debt 25.6m - CCE 14.8m)
Interest Coverage Ratio = -8.23 (Ebit TTM -50.9m / Interest Expense TTM 6.18m)
EV/FCF = -16.27x (Enterprise Value 789.9m / FCF TTM -48.5m)
FCF Yield = -6.15% (FCF TTM -48.5m / Enterprise Value 789.9m)
FCF Margin = -23.18% (FCF TTM -48.5m / Revenue TTM 209.5m)
Net Margin = -27.54% (Net Income TTM -57.7m / Revenue TTM 209.5m)
Gross Margin = 55.33% ((Revenue TTM 209.5m - Cost of Revenue TTM 93.6m) / Revenue TTM)
Gross Margin QoQ = 59.04% (prev 58.15%)
Tobins Q-Ratio = 7.30 (Enterprise Value 789.9m / Total Assets 108.2m)
Interest Expense / Debt = 24.11% (Interest Expense 6.18m / Debt 25.6m)
Taxrate = 21.0% (US federal default 21%)
NOPAT = -40.2m (EBIT -50.9m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 0.54 (Total Current Assets 85.9m / Total Current Liabilities 158.4m)
Debt / Equity = 28.88 (Debt 25.6m / totalStockholderEquity, last quarter 888k)
Debt / EBITDA = -0.25 (negative EBITDA) (Net Debt 10.8m / EBITDA -42.8m)
Debt / FCF = -0.22 (negative FCF - burning cash) (Net Debt 10.8m / FCF TTM -48.5m)
Total Stockholder Equity = 18.9m (last 4 quarters mean from totalStockholderEquity)
RoA = -42.90% (Net Income -57.7m / Total Assets 108.2m)
RoE = -304.7% (Net Income TTM -57.7m / Total Stockholder Equity 18.9m)
RoCE = -179.3% (out of range, set to none) (EBIT -50.9m / Capital Employed (Equity 18.9m + L.T.Debt 9.47m))
RoIC = -856.2% (out of range, set to none) (NOPAT -40.2m / Invested Capital 4.70m)
WACC = 16.29% (E(779.0m)/V(804.7m) * Re(16.20%) + D(25.6m)/V(804.7m) * Rd(24.11%) * (1-Tc(0.21)))
Discount Rate = 16.20% (= CAPM, Blume Beta Adj.) -> capped to 12.54%
Shares (quarterly) Correlation: -62.05 | Cagr: -19.56%
[DCF] Fair Price = unknown (Cash Flow -48.5m)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.0 | # QB: 0
Revenue Correlation: 33.45 | Revenue CAGR: 3.40% | SUE: 0.57 | # QB: 0
EPS current Quarter (2026-09-30): EPS=-0.09 | Chg30d=-2.35% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=-0.26 | Chg30d=-21.50% | Revisions=-25% | GrowthEPS=+38.7% | GrowthRev=+26.1%
EPS next Year (2027-12-31): EPS=-0.04 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+83.3% | GrowthRev=+24.2%
[Analyst] Revisions Ratio: -40% (up=0, down=2)