Jumia Technologies AG (JMIA) AI Stock Analysis

• Market Cap: $1.21B
• Dividend Yield: N/A
• Average Volume (3M): 5.25M
• Price to Earnings (P/E): ―
• Beta (1Y): 2.52
• Revenue Growth: -13.22%
• EPS Growth: N/A
• Country: US
• Employees: 2,163
• Sector: Consumer Cyclical
• Sector Strength: 81
• Industry: Specialty Retail
• EPS (TTM): -0.12
• Shares Outstanding: 122,462,820
• 10 Day Avg. Volume: 3,667,868
• 30 Day Avg. Volume: 5,249,354
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $6.50
• Price Target Upside: -34.41% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 63 Neutral
• Price Target: $9.00 ▼(-9.18% Downside)

Jumia's overall stock score reflects a mix of strong technical momentum and positive earnings call sentiment, offset by significant financial challenges and valuation concerns. The company's strategic initiatives and improved guidance are promising, but persistent financial hurdles and valuation issues weigh on the score.

Positive Factors

Revenue Growth

The 25% YoY revenue growth indicates strong market demand and effective monetization strategies, supporting long-term business expansion.

Operational Efficiency

Reduced cash burn reflects improved operational efficiency, enhancing financial sustainability and supporting future profitability goals.

Market Expansion

Expansion into underserved areas increases market penetration and diversifies revenue streams, strengthening Jumia's competitive position.

Negative Factors

Declining Revenue

A declining revenue trend poses risks to financial stability and growth prospects, challenging Jumia's ability to maintain market leadership.

Negative Cash Flow

Persistent negative cash flows can limit operational flexibility and necessitate additional financing, impacting long-term viability.

Profitability Issues

Severe profitability issues, as indicated by a negative net profit margin, undermine financial health and impede sustainable growth.

Jumia Technologies AG Business Overview & Revenue Model

Company Description

Jumia Technologies AG operates an e-commerce platform in West Africa, North Africa, East and South Africa, Europe, the United Arab Emirates, and internationally. The company's platform consists of marketplace that connects sellers with consumers; logistics service that enables the shipment and delivery of packages from sellers to consumers; and payment service, which facilitates transactions to participants active on the company's platform in selected markets. Its marketplace offers various products in a range of categories, such as fashion and apparel, beauty and personal care, home and living, fast moving consumer goods, smartphones, and other electronics, as well as access to various services, including restaurant food delivery, airtime recharge, and utility bills payment services. The company was formerly known as Africa Internet Holding GmbH and changed its name to Jumia Technologies AG in January 2019. Jumia Technologies AG was incorporated in 2012 and is headquartered in Berlin, Germany.

How the Company Makes Money

Jumia makes money through multiple revenue streams, primarily through its marketplace model, where it charges sellers a commission on each sale made through its platform. Additionally, the company generates revenue from logistics and fulfillment services it provides to sellers, as well as advertising services that allow brands to promote their products on the Jumia platform. Jumia also has partnerships with various financial institutions and payment service providers, which facilitate transactions and enhance customer experience. Furthermore, Jumia's growth in food delivery and other value-added services contributes to its earnings, reflecting its strategy to diversify revenue sources while catering to the evolving consumer demands in the African market.

Jumia Technologies AG Financial Statement Overview

Summary

Jumia faces significant financial challenges, with persistent losses and negative cash flow trends. Despite a reasonable gross profit margin, the company's overall financial health is concerning due to declining revenue, high operating losses, and negative cash flows.

Income Statement

Jumia's income statement reveals significant challenges, highlighted by persistent losses. The company's TTM (Trailing-Twelve-Months) data shows a negative net profit margin of approximately -48.5% and a declining revenue trend, with a revenue decrease of about 7.5% from the previous annual report. Despite a consistent gross profit margin of around 57%, high operating losses reflected in negative EBIT and EBITDA margins indicate severe profitability issues.

Balance Sheet

Jumia's balance sheet shows a moderately leveraged position with a debt-to-equity ratio of approximately 0.18. The equity ratio is around 39.4%, indicating a reliance on equity financing. However, the declining stockholders' equity over recent periods raises concerns about the company's ability to sustain its operations without additional capital.

Cash Flow

The cash flow statement highlights a worrying trend with negative operating and free cash flows, indicating that Jumia is not generating sufficient cash from its operations. The free cash flow growth rate is negative, and the operating cash flow to net income ratio is unfavorable, reflecting cash flow challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	154.85M	167.49M	186.40M	203.30M	167.62M	195.44M
Gross Profit	88.25M	99.53M	107.10M	118.17M	101.47M	132.26M
EBITDA	-94.67M	-86.39M	-86.59M	-192.80M	-195.86M	-208.32M
Net Income	-75.15M	-99.09M	-104.16M	-238.23M	-226.87M	-225.26M
Balance Sheet
Total Assets	174.76M	192.07M	189.94M	330.07M	577.73M	536.86M
Cash, Cash Equivalents and Short-Term Investments	110.70M	133.94M	120.57M	227.83M	512.80M	461.40M
Total Debt	12.33M	11.20M	12.15M	13.85M	12.54M	16.47M
Total Liabilities	106.44M	105.79M	121.22M	155.37M	165.14M	198.74M
Stockholders Equity	68.83M	86.79M	69.23M	175.17M	413.04M	338.63M
Cash Flow
Free Cash Flow	-87.16M	-60.88M	-75.23M	-251.34M	-178.31M	―
Operating Cash Flow	-82.86M	-57.20M	-72.98M	-240.18M	-171.12M	-148.53M
Investing Cash Flow	23.82M	-10.40M	62.53M	212.82M	-404.81M	90.57M
Financing Cash Flow	89.35M	89.46M	-7.41M	-8.76M	334.25M	282.26M

Jumia Technologies AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.91
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JMIA, the sentiment is Positive. The current price of 9.91 is above the 20-day moving average (MA) of 8.52, above the 50-day MA of 6.42, and above the 200-day MA of 4.04, indicating a bullish trend. The MACD of 0.91 indicates Negative momentum. The RSI at 68.08 is Neutral, neither overbought nor oversold. The STOCH value of 81.61 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JMIA.

Jumia Technologies AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CHWY	68 Neutral	$14.94B	97.80	34.48%	―	9.04%	-56.79%
JMIA	63 Neutral	$1.21B	―	-176.83%	―	-13.22%	―
CPNG	62 Neutral	$59.09B	163.19	8.55%	―	18.69%	-65.55%
Sector *	61 Neutral	$18.16B	12.70	-2.51%	3.03%	1.44%	-15.67%
ETSY	59 Neutral	$5.91B	47.14	-39.97%	―	2.38%	-38.88%
W	57 Neutral	$11.69B	―	17.86%	―	0.87%	54.67%
HEPS	57 Neutral	$915.94M	―	-64.24%	―	28.17%	―

Jumia Technologies AG Corporate Events

Jumia Technologies AG Appoints New Supervisory Board Member

Jumia Technologies AG, a leading e-commerce company in Africa, has announced a significant change to its Supervisory Board. Effective September 1, 2025, Mr. Hassanein Hiridjee has been appointed as a new member, following a decision by the Local Court in Charlottenburg, Berlin, Germany. This appointment is expected to bring fresh perspectives to the board, potentially impacting the company’s strategic direction and governance.

Jumia Technologies AG Announces Supervisory Board Changes

On August 25, 2025, Jumia Technologies AG announced a significant change in its Supervisory Board. The company filed a petition to appoint Mr. Hassanein Hiridjee, founder of Axian Telecom, as a new member following the resignation of Angela K. Mwanza on June 23, 2025. This move is expected to impact the company’s strategic direction and governance structure.

Jumia Technologies Reports Strong Q2 2025 Results with Increased Revenue and Reduced Losses

On August 7, 2025, Jumia Technologies AG announced its financial results for the second quarter ending June 30, 2025, highlighting a 25% increase in revenue to $45.6 million compared to the previous year. The company reported a significant reduction in cash burn and operating losses, reflecting improved operational efficiencies and strong consumer demand, particularly in Nigeria. Jumia’s strategic focus on profitability is evident as it raises its full-year guidance for 2025, aiming for breakeven by the end of 2026 and full-year profitability by 2027.