(JMIA) Jumia Technologies - Overview

Sector: Consumer Cyclical | Industry: Internet Retail | Exchange: NYSE (USA) | Market Cap: 852m USD | Total Return: 288.6% in 12m

Online Retail, Digital Services, Logistics, Payments
Total Rating 52
Safety 33
Buy Signal -0.73
Internet Retail
Industry Rotation: +4.9
Market Cap: 852M
Avg Turnover: 9.18M USD
ATR: 6.51%
Peers RS (IBD): 97.2
Risk 5d forecast
Volatility87.8%
Rel. Tail Risk-14.2%
Reward TTM
Sharpe Ratio1.69
Alpha147.71
Character TTM
Beta4.545
Beta Downside6.001
Drawdowns 3y
Max DD88.12%
CAGR/Max DD0.36
EPS (Earnings per Share) EPS (Earnings per Share) of JMIA over the last years for every Quarter: "2021-03": -0.12, "2021-06": -0.3754, "2021-09": -0.5113, "2021-12": -0.48, "2022-03": -0.7, "2022-06": -0.36, "2022-09": -0.23, "2022-12": -0.28, "2023-03": -0.16, "2023-06": -0.3168, "2023-09": -0.2273, "2023-12": -0.1745, "2024-03": -0.4019, "2024-06": -0.2161, "2024-09": -0.12, "2024-12": -0.14, "2025-03": -0.12, "2025-06": -0.12, "2025-09": -0.1, "2025-12": 0, "2026-03": 0,
EPS CAGR: 68.91%
EPS Trend: 78.6%
Last SUE: 0.53
Qual. Beats: 0
Revenue Revenue of JMIA over the last years for every Quarter: 2021-03: 38.799963, 2021-06: 40.241, 2021-09: 42.657, 2021-12: 62.048, 2022-03: 47.594, 2022-06: 57.324, 2022-09: 50.487, 2022-12: 66.478, 2023-03: 41.25, 2023-06: 44.032, 2023-09: 41.715, 2023-12: 46.724, 2024-03: 48.893, 2024-06: 36.474, 2024-09: 36.431, 2024-12: 45.688, 2025-03: 36.261, 2025-06: 45.642, 2025-09: 45.632, 2025-12: 61.349523, 2026-03: null,
Rev. CAGR: 7.00%
Rev. Trend: -25.3%
Last SUE: 3.80
Qual. Beats: 1

Warnings

Interest Coverage Ratio -8.7 is critical

Altman Z'' -15.00 < 1.0 - financial distress zone

Volatile

Tailwinds

No distinct edge detected

Description: JMIA Jumia Technologies

Jumia Technologies AG (JMIA) operates an e-commerce platform across multiple regions, including West, North, East, and South Africa, Europe, and the UAE. The companys business model integrates three core services: a marketplace connecting sellers and customers, a logistics service for package delivery, and a payment service, JumiaPay, which facilitates transactions.

The marketplace offers a diverse range of products, from electronics and fashion to fast-moving consumer goods. Additionally, it provides digital services such as utility bill payments and airtime recharge. This integrated approach is common among leading e-commerce platforms, aiming to capture a larger share of the digital economy.

Jumia serves various business clients, including retailers and distributors. The company, incorporated in 2012 and headquartered in Berlin, Germany, was formerly known as Africa Internet Holding GmbH before changing its name in 2019. Further research on ValueRay can provide deeper insights into JMIAs market performance and financial health.

Headlines to Watch Out For
  • African e-commerce adoption drives marketplace growth
  • Logistics network expansion impacts operational costs
  • JumiaPay transaction volume boosts financial services revenue
  • Regulatory changes in African markets pose compliance risks
  • Currency fluctuations in African nations affect profitability
Piotroski VR‑10 (Strict) 4.0
Net Income: -61.5m TTM > 0 and > 6% of Revenue
FCF/TA: -0.39 > 0.02 and ΔFCF/TA -7.68 > 1.0
NWC/Revenue: 7.28% < 20% (prev 43.95%; Δ -36.67% < -1%)
CFO/TA -0.36 > 3% & CFO -47.9m > Net Income -61.5m
Net Debt/EBITDA: error (EBITDA <= 0)
Current Ratio: 1.14 > 1.5 & < 3
Outstanding Shares: last quarter (61.2m) vs 12m ago -50.00% < -2%
Gross Margin: 52.78% > 18% (prev 0.59%; Δ 5.22k% > 0.5%)
Asset Turnover: 116.0% > 50% (prev 87.20%; Δ 28.81% > 0%)
Interest Coverage Ratio: -8.73 > 6 (EBITDA TTM -46.1m / Interest Expense TTM 6.18m)
Altman Z'' -15.00
A: 0.10 (Total Current Assets 112.8m - Total Current Liabilities 99.0m) / Total Assets 133.6m
B: -16.70 (Retained Earnings -2.23b / Total Assets 133.6m)
C: -0.33 (EBIT TTM -54.0m / Avg Total Assets 162.8m)
D: -16.38 (Book Value of Equity -1.77b / Total Liabilities 107.8m)
Altman-Z'' Score: -73.20 = D
Beneish M -3.33
DSRI: 0.93 (Receivables 20.8m/19.7m, Revenue 188.9m/167.5m)
GMI: 1.13 (GM 52.78% / 59.42%)
AQI: 0.42 (AQ_t 0.01 / AQ_t-1 0.03)
SGI: 1.13 (Revenue 188.9m / 167.5m)
TATA: -0.10 (NI -61.5m - CFO -47.9m) / TA 133.6m)
Beneish M-Score: -3.33 (Cap -4..+1) = AA
What is the price of JMIA shares? As of April 07, 2026, the stock is trading at USD 6.88 with a total of 927,030 shares traded.
Over the past week, the price has changed by +6.54%, over one month by -10.00%, over three months by -51.73% and over the past year by +288.64%.
Is JMIA a buy, sell or hold? Jumia Technologies has received a consensus analysts rating of 2.00. Therefor, it is recommend to sell JMIA.
  • StrongBuy: 0
  • Buy: 0
  • Hold: 1
  • Sell: 0
  • StrongSell: 1
What are the forecasts/targets for the JMIA price?
Analysts Target Price 14.5 111.3%
Jumia Technologies (JMIA) - Fundamental Data Overview as of 05 April 2026
P/S = 4.5102
P/B = 32.7627
Revenue TTM = 188.9m USD
EBIT TTM = -54.0m USD
EBITDA TTM = -46.1m USD
Long Term Debt = 11.7m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 3.79m USD (from shortTermDebt, last quarter)
Debt = 15.5m USD (corrected: LT Debt 11.7m + ST Debt 3.79m)
Net Debt = -64.9m USD (from netDebt column, last quarter)
Enterprise Value = 789.8m USD (852.1m + Debt 15.5m - CCE 77.8m)
Interest Coverage Ratio = -8.73 (Ebit TTM -54.0m / Interest Expense TTM 6.18m)
EV/FCF = -15.02x (Enterprise Value 789.8m / FCF TTM -52.6m)
FCF Yield = -6.66% (FCF TTM -52.6m / Enterprise Value 789.8m)
FCF Margin = -27.84% (FCF TTM -52.6m / Revenue TTM 188.9m)
Net Margin = -32.58% (Net Income TTM -61.5m / Revenue TTM 188.9m)
Gross Margin = 52.78% ((Revenue TTM 188.9m - Cost of Revenue TTM 89.2m) / Revenue TTM)
Gross Margin QoQ = 52.28% (prev 52.11%)
Tobins Q-Ratio = 5.91 (Enterprise Value 789.8m / Total Assets 133.6m)
Interest Expense / Debt = 5.12% (Interest Expense 794k / Debt 15.5m)
Taxrate = 21.0% (US default 21%)
NOPAT = -42.6m (EBIT -54.0m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 1.14 (Total Current Assets 112.8m / Total Current Liabilities 99.0m)
Debt / Equity = 0.59 (Debt 15.5m / totalStockholderEquity, last quarter 26.3m)
 Debt / EBITDA = 1.41 (negative EBITDA) (Net Debt -64.9m / EBITDA -46.1m)
 Debt / FCF = 1.24 (negative FCF - burning cash) (Net Debt -64.9m / FCF TTM -52.6m)
 Total Stockholder Equity = 46.0m (last 4 quarters mean from totalStockholderEquity)
RoA = -37.79% (Net Income -61.5m / Total Assets 133.6m)
RoE = -133.7% (Net Income TTM -61.5m / Total Stockholder Equity 46.0m)
RoCE = -93.44% (EBIT -54.0m / Capital Employed (Equity 46.0m + L.T.Debt 11.7m))
 RoIC = -81.55% (negative operating profit) (NOPAT -42.6m / Invested Capital 52.3m)
 WACC = 21.65% (E(852.1m)/V(867.6m) * Re(21.97%) + D(15.5m)/V(867.6m) * Rd(5.12%) * (1-Tc(0.21)))
Discount Rate = 21.97% (= CAPM, Blume Beta Adj.) -> capped to 17.38%
Shares Correlation 3-Years: 100.0 | Cagr: 4.88%
 [DCF] Fair Price = unknown (Cash Flow -52.6m)
 EPS Correlation: 78.60 | EPS CAGR: 68.91% | SUE: 0.53 | # QB: 0
Revenue Correlation: -25.34 | Revenue CAGR: 7.00% | SUE: 3.80 | # QB: 1
EPS next Quarter (2026-06-30): EPS=-0.09 | Chg7d=-0.001 | Chg30d=-0.085 | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=-0.21 | Chg7d=+0.042 | Chg30d=-0.041 | Revisions Net=-1 | Growth EPS=+50.1% | Growth Revenue=+28.7%
EPS next Year (2027-12-31): EPS=-0.04 | Chg7d=+0.001 | Chg30d=+0.043 | Revisions Net=+0 | Growth EPS=+80.1% | Growth Revenue=+25.1%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Current Year)
External Resources
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