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JUMIA TECHNOLOGIES AG-ADR (JMIA) Stock Fundamental Analysis

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

2.76  -0.06 (-2.13%)

After market: 2.8 +0.04 (+1.45%)

Fundamental Rating

2

JMIA gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 32 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.
In the past year JMIA has reported a negative cash flow from operations.
JMIA had negative earnings in each of the past 5 years.
JMIA had a negative operating cash flow in each of the past 5 years.
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 -50M -100M -150M -200M -250M

1.2 Ratios

JMIA has a Return On Assets of -43.73%. This is amonst the worse of the industry: JMIA underperforms 90.32% of its industry peers.
With a Return On Equity value of -94.44%, JMIA is not doing good in the industry: 87.10% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -43.73%
ROE -94.44%
ROIC N/A
ROA(3y)-55.41%
ROA(5y)-56.89%
ROE(3y)-113.91%
ROE(5y)-106.41%
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 0 1K -1K -2K -3K -4K

1.3 Margins

JMIA has a Gross Margin of 61.16%. This is amongst the best in the industry. JMIA outperforms 80.65% of its industry peers.
JMIA's Gross Margin has improved in the last couple of years.
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 61.16%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.29%
GM growth 5Y10.91%
JMIA Yearly Profit, Operating, Gross MarginsJMIA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 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.
The number of shares outstanding for JMIA has been increased compared to 5 years ago.
Compared to 1 year ago, JMIA has an improved debt to assets ratio.
JMIA Yearly Shares OutstandingJMIA Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 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 100M 200M 300M 400M 500M

2.2 Solvency

JMIA has an Altman-Z score of -10.18. This is a bad value and indicates that JMIA is not financially healthy and even has some risk of bankruptcy.
JMIA has a Altman-Z score of -10.18. This is amonst the worse of the industry: JMIA underperforms 90.32% of its industry peers.
JMIA has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.07, JMIA is in the better half of the industry, outperforming 74.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Altman-Z -10.18
ROIC/WACCN/A
WACC7.12%
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 0 200M -200M 400M

2.3 Liquidity

JMIA has a Current Ratio of 1.80. This is a normal value and indicates that JMIA is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.80, JMIA is in the better half of the industry, outperforming 61.29% of the companies in the same industry.
A Quick Ratio of 1.73 indicates that JMIA should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.73, JMIA is doing good in the industry, outperforming 74.19% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.8
Quick Ratio 1.73
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 100M 200M 300M 400M 500M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 30.33% over the past year.
The Revenue for JMIA has decreased by -18.26% in the past year. This is quite bad
Measured over the past years, JMIA shows a small growth in Revenue. The Revenue has been growing by 4.14% on average per year.
EPS 1Y (TTM)30.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%24.05%
Revenue 1Y (TTM)-18.26%
Revenue growth 3Y5.35%
Revenue growth 5Y4.14%
Sales Q2Q%-18.85%

3.2 Future

The Earnings Per Share is expected to grow by 19.68% on average over the next years. This is quite good.
The Revenue is expected to grow by 2.06% on average over the next years.
EPS Next Y24.49%
EPS Next 2Y28.57%
EPS Next 3Y19.68%
EPS Next 5YN/A
Revenue Next Year-5.47%
Revenue Next 2Y-0.15%
Revenue Next 3Y2.06%
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 decreasing.
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 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 -1 -2 -3

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0

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 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 30

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 19.68% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y28.57%
EPS Next 3Y19.68%

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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 (2/21/2025, 8:04:00 PM)

After market: 2.8 +0.04 (+1.45%)

2.76

-0.06 (-2.13%)

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 Owners18.65%
Inst Owner Change-10.28%
Ins Owners1.2%
Ins Owner ChangeN/A
Market Cap338.00M
Analysts42.86
Price Target3.88 (40.58%)
Short Float %11.5%
Short Ratio2.22
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)-65.45%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-117.65%
EPS NY rev (3m)-117.65%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)-0.86%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 2.01
P/FCF N/A
P/OCF N/A
P/B 3.28
P/tB 3.28
EV/EBITDA N/A
EPS(TTM)-0.78
EYN/A
EPS(NY)-0.35
Fwd EYN/A
FCF(TTM)-0.35
FCFYN/A
OCF(TTM)-0.33
OCFYN/A
SpS1.38
BVpS0.84
TBVpS0.84
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -43.73%
ROE -94.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 61.16%
FCFM N/A
ROA(3y)-55.41%
ROA(5y)-56.89%
ROE(3y)-113.91%
ROE(5y)-106.41%
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-5.29%
GM growth 5Y10.91%
F-Score4
Asset Turnover0.76
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 31.66%
Cap/Sales 1.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.8
Quick Ratio 1.73
Altman-Z -10.18
F-Score4
WACC7.12%
ROIC/WACCN/A
Cap/Depr(3y)64.27%
Cap/Depr(5y)59.41%
Cap/Sales(3y)3.42%
Cap/Sales(5y)3.14%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%24.05%
EPS Next Y24.49%
EPS Next 2Y28.57%
EPS Next 3Y19.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-18.26%
Revenue growth 3Y5.35%
Revenue growth 5Y4.14%
Sales Q2Q%-18.85%
Revenue Next Year-5.47%
Revenue Next 2Y-0.15%
Revenue Next 3Y2.06%
Revenue Next 5YN/A
EBIT growth 1Y59.68%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year54.79%
EBIT Next 3Y17.76%
EBIT Next 5YN/A
FCF growth 1Y83.88%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y84.08%
OCF growth 3YN/A
OCF growth 5YN/A