Jumia Technologies AG (JMIA) AI Stock Analysis

• Market Cap: $1.49B
• Dividend Yield: N/A
• Average Volume (3M): 3.01M
• Price to Earnings (P/E): ―
• Beta (1Y): 2.54
• Revenue Growth: -4.38%
• EPS Growth: N/A
• Country: US
• Employees: 2,163
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Specialty Retail
• EPS (TTM): -0.10
• Shares Outstanding: 122,462,820
• 10 Day Avg. Volume: 2,746,842
• 30 Day Avg. Volume: 3,013,629
• PEG Ratio: -0.04
• Price to Book (P/B): 2.69
• Price to Sales (P/S): 1.40
• P/FCF Ratio: -3.84
• 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: $13.50
• Price Target Upside: 10.93% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): -0.35
• Revenue Forecast (FY): $200.50M

• Rating: 45 Neutral
• Price Target: $11.00 ▼(-9.61% Downside)

Jumia Technologies AG's overall stock score reflects significant financial challenges, with ongoing losses and declining cash reserves being major concerns. While technical indicators show some neutral momentum, the valuation remains unattractive due to a negative P/E ratio. The company's strategic initiatives and growth in physical goods GMV provide some optimism, but profitability remains a distant goal.

Positive Factors

Revenue Growth

The 25% increase in revenue reflects strong consumer demand and effective execution, indicating potential for sustained growth.

Operational Efficiency

Reduced fulfillment costs demonstrate improved operational efficiency, enhancing profitability prospects and competitive positioning.

Strategic Expansion

Expansion into secondary cities unlocks new growth opportunities, diversifying revenue streams and strengthening market presence.

Negative Factors

Profitability Challenges

Ongoing negative net profit margins highlight persistent profitability challenges, potentially impacting long-term financial health.

Cash Flow Issues

Declining cash reserves and negative free cash flow growth indicate potential liquidity issues, affecting operational sustainability.

Gross Profit Margin Decline

A declining gross profit margin suggests pressure on cost management, which could hinder profitability improvements over time.

Jumia Technologies AG Business Overview & Revenue Model

Company Description

Jumia Technologies AG is a leading e-commerce platform in Africa, operating primarily in the online retail and marketplace sectors. Founded in 2012 and headquartered in Berlin, Germany, Jumia offers a wide range of products and services including electronics, fashion, home goods, and groceries. It also provides logistics and payment solutions to facilitate online shopping across multiple African countries, thereby enhancing accessibility to e-commerce for millions of consumers.

How the Company Makes Money

Jumia generates revenue through multiple streams, primarily from its marketplace and logistics services. The marketplace segment earns money by charging sellers commissions on sales made through its platform, which can vary depending on the product category. Additionally, Jumia offers advertising services, allowing brands to promote their products directly on the platform for a fee. Jumia's logistics services, which include warehousing and delivery, also contribute to revenue as they charge merchants for these services. Furthermore, JumiaPay, its payment processing platform, generates income through transaction fees. Key partnerships with local and international brands enhance product offerings, driving sales and increasing overall revenue.

Jumia Technologies AG Financial Statement Overview

Summary

Jumia Technologies AG faces significant financial challenges. Despite a strong gross profit margin, the company struggles with profitability and cash flow generation. The balance sheet shows manageable leverage but poor returns on equity. The cash flow statement highlights declining cash reserves, posing risks if not addressed.

Income Statement

Jumia Technologies AG shows a mixed performance in its income statement. The company has a positive gross profit margin of 55.2% TTM, indicating efficient cost management relative to revenue. However, the net profit margin is negative at -42.5% TTM, reflecting ongoing challenges in achieving profitability. Revenue growth is modest at 5.61% TTM, suggesting some improvement but not enough to offset losses. EBIT and EBITDA margins remain negative, highlighting operational inefficiencies.

Balance Sheet

The balance sheet of Jumia Technologies AG reveals a moderate debt-to-equity ratio of 0.24 TTM, indicating manageable leverage. However, the return on equity is significantly negative at -89.4% TTM, suggesting that the company is not generating sufficient returns on shareholder investments. The equity ratio stands at 24.6% TTM, showing a reasonable level of equity financing but also indicating potential risks if asset values decline.

Cash Flow

Jumia Technologies AG's cash flow statement indicates challenges in cash generation. The operating cash flow to net income ratio is negative at -0.89 TTM, reflecting insufficient cash flow to cover net losses. Free cash flow growth is negative at -15.2% TTM, highlighting declining cash reserves. However, the free cash flow to net income ratio is slightly positive at 1.05 TTM, suggesting some ability to cover net losses with free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	173.22M	167.49M	186.40M	203.30M	167.62M	195.44M
Gross Profit	91.50M	99.53M	107.10M	118.17M	101.47M	132.26M
EBITDA	-87.62M	-86.39M	-86.59M	-192.80M	-195.86M	-208.32M
Net Income	-70.77M	-99.09M	-104.16M	-238.23M	-226.87M	-225.26M
Balance Sheet
Total Assets	144.26M	192.07M	189.94M	330.22M	578.11M	436.50M
Cash, Cash Equivalents and Short-Term Investments	82.53M	133.94M	120.57M	227.43M	512.80M	375.15M
Total Debt	12.53M	11.20M	12.15M	13.85M	12.54M	13.39M
Total Liabilities	109.32M	105.79M	121.22M	155.97M	165.53M	161.60M
Stockholders Equity	35.48M	86.79M	69.23M	174.72M	413.04M	275.34M
Cash Flow
Free Cash Flow	-77.59M	-60.88M	-75.23M	-251.32M	-178.31M	-115.26M
Operating Cash Flow	-72.73M	-57.20M	-72.98M	-240.18M	-171.12M	-112.39M
Investing Cash Flow	76.51M	-10.40M	62.53M	212.25M	-404.81M	66.95M
Financing Cash Flow	-8.26M	89.46M	-7.41M	-8.76M	334.25M	225.04M

Jumia Technologies AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.17
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 12.17 is above the 20-day moving average (MA) of 11.02, above the 50-day MA of 11.28, and above the 200-day MA of 6.19, indicating a bullish trend. The MACD of 0.34 indicates Negative momentum. The RSI at 58.08 is Neutral, neither overbought nor oversold. The STOCH value of 74.03 is Neutral, 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
CART	75 Outperform	$11.32B	23.69	15.33%	―	10.16%	18.29%
MNSO	72 Outperform	$5.90B	19.90	20.83%	3.15%	13.37%	-19.37%
CPNG	66 Neutral	$49.36B	127.88	8.73%	―	16.63%	-62.54%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
ETSY	55 Neutral	$5.26B	37.23	―	―	1.98%	-20.98%
JMIA	45 Neutral	$1.49B	―	-102.25%	―	-4.38%	―
TDUP	45 Neutral	$1.09B	―	-35.37%	―	-4.90%	50.77%

Jumia Technologies AG Corporate Events

Jumia Technologies AG Reports Strong Q3 2025 Growth with 25% Revenue Increase

On November 12, 2025, Jumia Technologies AG announced its financial results for the third quarter ended September 30, 2025. The company reported a 25% increase in revenue and a 21% growth in Gross Merchandise Volume (GMV) compared to the same period in 2024. Jumia also highlighted a significant increase in orders and active customers, demonstrating strong market demand and consumer trust. The company has made strides in operational efficiency, reducing its operating loss by 13% year-over-year. Jumia’s strategic focus on execution and customer engagement is positioning it for sustainable growth, with expectations to reach breakeven in Q4 2026 and full-year profitability by 2027.

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.