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JUMIA TECHNOLOGIES AG-ADR (JMIA) Stock Fundamental Analysis

NYSE:JMIA - New York Stock Exchange, Inc. - US48138M1053 - ADR - Currency: USD

2.21  +0.06 (+2.79%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to JMIA. JMIA was compared to 31 industry peers in the Broadline Retail industry. JMIA has a bad profitability rating. Also its financial health evaluation is rather negative. JMIA is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year JMIA has reported negative net income.
JMIA had a negative operating cash flow in the past year.
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

JMIA has a Return On Assets of -51.59%. This is amonst the worse of the industry: JMIA underperforms 90.32% of its industry peers.
JMIA's Return On Equity of -114.17% is on the low side compared to the rest of the industry. JMIA is outperformed by 83.87% of its industry peers.
Industry RankSector Rank
ROA -51.59%
ROE -114.17%
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

Looking at the Gross Margin, with a value of 59.42%, JMIA belongs to the top of the industry, outperforming 80.65% of the companies in the same industry.
JMIA's Gross Margin has improved in the last couple of years.
JMIA does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 59.42%
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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3

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.
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

Based on the Altman-Z score of -12.80, we must say that JMIA is in the distress zone and has some risk of bankruptcy.
JMIA has a worse Altman-Z score (-12.80) than 83.87% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that JMIA is not too dependend on debt financing.
JMIA has a better Debt to Equity ratio (0.08) than 74.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Altman-Z -12.8
ROIC/WACCN/A
WACC7.97%
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 1.77. 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 1.77. This is in the better half of the industry: JMIA outperforms 61.29% of its industry peers.
A Quick Ratio of 1.70 indicates that JMIA should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.70, JMIA is doing good in the industry, outperforming 77.42% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.77
Quick Ratio 1.7
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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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 8.75% over the past year.
Looking at the last year, JMIA shows a very negative growth in Revenue. The Revenue has decreased by -10.15% in the last year.
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)8.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%10.63%
Revenue 1Y (TTM)-10.15%
Revenue growth 3Y-1.99%
Revenue growth 5Y-1.38%
Sales Q2Q%-2.22%

3.2 Future

The Earnings Per Share is expected to grow by 12.71% on average over the next years. This is quite good.
JMIA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.74% yearly.
EPS Next Y9.46%
EPS Next 2Y12.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.44%
Revenue Next 2Y2.74%
Revenue Next 3YN/A
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.
JMIA Yearly Revenue VS EstimatesJMIA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
JMIA Yearly EPS VS EstimatesJMIA Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 -1 -2 -3

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0

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 10 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 -1

4.3 Compensation for Growth

A more expensive valuation may be justified as JMIA's earnings are expected to grow with 12.71% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.71%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

JMIA does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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JUMIA TECHNOLOGIES AG-ADR

NYSE:JMIA (4/23/2025, 11:38:07 AM)

2.21

+0.06 (+2.79%)

Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustryBroadline Retail
Earnings (Last)02-20 2025-02-20/bmo
Earnings (Next)N/A N/A
Inst Owners28.84%
Inst Owner Change0.22%
Ins Owners1.45%
Ins Owner ChangeN/A
Market Cap270.64M
Analysts42.86
Price Target3.75 (69.68%)
Short Float %16.14%
Short Ratio2.99
Dividend
Industry RankSector 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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)-3.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-97.06%
EPS NY rev (3m)-272.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.5%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.62
P/FCF N/A
P/OCF N/A
P/B 3.12
P/tB 3.12
EV/EBITDA N/A
EPS(TTM)-1.04
EYN/A
EPS(NY)-0.68
Fwd EYN/A
FCF(TTM)-0.5
FCFYN/A
OCF(TTM)-0.47
OCFYN/A
SpS1.37
BVpS0.71
TBVpS0.71
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -51.59%
ROE -114.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 59.42%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.87
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 44.5%
Cap/Sales 2.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.77
Quick Ratio 1.7
Altman-Z -12.8
F-Score4
WACC7.97%
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)8.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%10.63%
EPS Next Y9.46%
EPS Next 2Y12.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.15%
Revenue growth 3Y-1.99%
Revenue growth 5Y-1.38%
Sales Q2Q%-2.22%
Revenue Next Year0.44%
Revenue Next 2Y2.74%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y9.97%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year14.34%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y19.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y21.61%
OCF growth 3YN/A
OCF growth 5YN/A