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Jumia Technologies AG

JMIANYSE
Consumer Cyclical
Specialty Retail
$7.14
$0.010(0.14%)
U.S. Market opens in 37h 37m

Jumia Technologies AG Fundamental Analysis

Jumia Technologies AG (JMIA) shows weak financial fundamentals with a PE ratio of -7.16, profit margin of -32.58%, and ROE of -1.34%. The company generates $0.2B in annual revenue with weak year-over-year growth of -10.15%.

Key Strengths

Cash Position17.78%

Areas of Concern

ROE-1.34%
Operating Margin-33.87%
PEG Ratio27.09
We analyze JMIA's fundamental strength across five key dimensions.

The stock receives a Fundamental Health Score of -148.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.

Fundamental Health Score

F
-148.3/100

We analyze JMIA's fundamental strength across five key dimensions:

Efficiency Score

Weak

JMIA struggles to generate sufficient returns from assets.

ROA > 10%
-46.07%

Valuation Score

Moderate

JMIA shows balanced valuation metrics.

PE < 25
-7.16
PEG Ratio < 2
27.09

Growth Score

Weak

JMIA faces weak or negative growth trends.

Revenue Growth > 5%
-10.15%
EPS Growth > 10%
-57.28%

Financial Health Score

Excellent

JMIA maintains a strong and stable balance sheet.

Debt/Equity < 1
0.45
Current Ratio > 1
1.14

Profitability Score

Weak

JMIA struggles to sustain strong margins.

ROE > 15%
-133.66%
Net Margin ≥ 15%
-32.58%
Positive Free Cash Flow
No

Key Financial Metrics

Is JMIA Expensive or Cheap?

P/E Ratio

JMIA trades at -7.16 times earnings. This suggests potential undervaluation.

-7.16

PEG Ratio

When adjusting for growth, JMIA's PEG of 27.09 indicates potential overvaluation.

27.09

Price to Book

The market values Jumia Technologies AG at 16.78 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.

16.78

EV/EBITDA

Enterprise value stands at -11.08 times EBITDA. This is generally considered low.

-11.08

How Well Does JMIA Make Money?

Net Profit Margin

For every $100 in sales, Jumia Technologies AG keeps $-32.58 as profit after all expenses.

-32.58%

Operating Margin

Core operations generate -33.87 in profit for every $100 in revenue, before interest and taxes.

-33.87%

ROE

Management delivers $-1.34 in profit for every $100 of shareholder equity.

-1.34%

ROA

Jumia Technologies AG generates $-46.07 in profit for every $100 in assets, demonstrating efficient asset deployment.

-46.07%

Following the Money - Real Cash Generation

Operating Cash Flow

Jumia Technologies AG generates limited operating cash flow of $-48.46M, signaling weaker underlying cash strength.

$-48.46M

Free Cash Flow

Jumia Technologies AG generates weak or negative free cash flow of $-53.18M, restricting financial flexibility.

$-53.18M

FCF Per Share

Each share generates $-0.86 in free cash annually.

$-0.86

FCF Yield

JMIA converts -11.88% of its market value into free cash.

-11.88%

Financial Ratios Analysis

Valuation Ratios

P/E Ratio

Price to earnings ratio

-7.16

vs 25 benchmark

PEG Ratio

Price/earnings to growth ratio

27.09

vs 25 benchmark

P/B Ratio

Price to book value ratio

16.78

vs 25 benchmark

P/S Ratio

Price to sales ratio

2.36

vs 25 benchmark

Financial Health

Debt/Equity

Total debt to shareholders' equity

0.45

vs 25 benchmark

Current Ratio

Current assets to current liabilities

1.14

vs 25 benchmark

Efficiency Ratios

ROE

Return on equity percentage

-1.34

vs 25 benchmark

ROA

Return on assets percentage

-0.46

vs 25 benchmark

ROCE

Return on capital employed

-1.85

vs 25 benchmark

How JMIA Stacks Against Its Sector Peers

MetricJMIA ValueSector AveragePerformance
P/E Ratio-7.1624.18 Better (Cheaper)
ROE-133.66%1174.00% Weak
Net Margin-32.58%783.00% Weak
Debt/Equity0.450.79 Strong (Low Leverage)
Current Ratio1.142.59 Neutral
ROA-46.07%-8308.00% (disorted) Weak

JMIA outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.

Historical Growth Performance

5-Year Growth Trajectory

This section reviews Jumia Technologies AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.

Revenue CAGR

-5.57%

Industry Style: Cyclical, Growth, Discretionary

Declining

EPS CAGR

60.47%

Industry Style: Cyclical, Growth, Discretionary

High Growth

FCF CAGR

71.69%

Industry Style: Cyclical, Growth, Discretionary

High Growth

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